Separate Business from Friendship

We’ve
all been there.  We walk into a bank to
apply for a loan, such as a home or car loan. 
We barely walk in the door and the greeter says with a friendly smile,
“How may I help you?”  After we share why
we’re there, the greeter says, “Let me get someone to help you.”  After a few minutes and enough time to make
you think the person you’ll meet is somewhat important, the banker comes around
the corner, introduces themselves and says, “I hear you need help with a
loan.  I can assist.”  We walk into their office where they offer
coffee and donuts and we start discussing needs, loans, terms and
conditions.  Throughout the process the
banker is friendlier than our best friend. 
Once we sign the loan agreement and receive the follow up information in
the mail, the relationship seems to change. 
What happened?

Early to Bed Early to Rise… Improved Our Budget

The saying goes early to bed early to rise makes a man healthy wealthy and wise, but does that mean anything for us today and for our budgets? 

The truth is this was specifically written about and for the agrarian lifestyle. If you were a farmer you had only so many hours in the day that you could work, and it was dictated by the sun. If a farmer stayed up late and slept in he could miss many valuable hours of his workday by sleeping them away. Less work would mean he would be less efficient, less efficient; less income.

After Tonight’s Halloween, Be Yourself

I ran
errands this afternoon.  I stopped by The
Post Office, filled up the car with gas and dropped off dry cleaning.  Everywhere I went festive people were dressed
in Halloween costumes.  I saw Jack
Sparrow and a Harry Potter character.  I
think he was a Harry Potter character.  I
saw a fireman.  I’m positive he wasn’t a
real fireman.  I saw a woman with a witch’s
hat and nothing else on her that resembled a witch.  I saw lots of wigs, too.  There are wigs of all different colors.  Pink and blue seem to be popular this year.  I blame Pink, Nicki Minaj and Katy Perry for
that.    

Know Your Goals and Stick to Them

In 2006, we got the bug to stop renting and buy our own home.  Who didn’t, then, right?  Like most couples, we wanted a place of our own.  We first educated ourselves on the process and the real estate market in the Denver Metro Area.  We didn’t want to live far outside because this is a great location between our work, family and friends.

4 Tips for an Inexpensive Date

Let’s face it, dating is hard.  It’s especially hard if you’re seeing someone new and you’re trying to impress them.  For those in more established relationships, it’s hard to keep things exciting.  Often times impressing people and being exciting mean spending money.  What’s a couple to do on a date and not break the bank?