How to Conquer Overspending

How to Conquer Overspending

Q.  I overspend. It’s simple. Each month I run out of money and then end up using my credit cards. I know I have to make changes. Can you give me some tips? I’ve tried using a budget but my life never seems to stick to it. — Want to change A. We’re so glad you’ve...
Financial Independence for College Kid

Financial Independence for College Kid

  Q. My daughter will start college next year. What the easiest way to manage her cash? Should we have a shared bank account, or is there a better way? My credit isn’t very good and I don’t want to hurt hers. — Mom  A. This is an exciting time...
When College Money Runs Out

When College Money Runs Out

Q:  I was able to pay full tuition for my older child but I will run out of money when my younger one is a sophomore. It doesn’t seem fair to pay for one and not the other. Any ideas?   — Empty pockets A:  If the money’s not there, the money’s not there. No matter...
Paying Bills with Irregular Paychecks

Paying Bills with Irregular Paychecks

Q. My budget isn’t very stable because I work as an independent contractor. How can I be better prepared for unreliable income? Right now I put stuff on my credit card and pay it off when the paychecks come in. — Falling behind A. Budgeting can be a challenge, and...