The Complete Guide to Beautiful, Frugal Gift Wrap
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It requires intentionality and creativity to avoid the hidden budget busters of gift wrap.

Every Three Years, Say No to Advertisers
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We have a limited amount of willpower. It is a waste to have to expend it to ignore advertising.

Gift Ideas for Minimalists
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Even though tangible things that take up space tend to be bad gifts, there are many items that a minimalist can really appreciate receiving.

Black Friday, Small Business Saturday, Cyber Monday, and How Not to Go Broke at Thanksgiving
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I would like to encourage those of you who like participating in this weekend shopping spree to do the small task of paying yourself first.

A Case Study in Financial Advertising You Should Avoid
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A little bit of work upfront can save a great deal of nuisance later.

Revisiting BRIC Countries 10 Years Later
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In 2003, the Goldman Sachs Global Economics Department predicted the economic and geopolitical influence of Brazil, Russia, India and China (the BRIC countries) would become increasingly visible in the developed world. We revisit those countries here.

Comparative Price Shopping: Extra Virgin Olive Oil in Charlottesville
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Grocery stores know all the shoppers tricks, which means that when comparative price shopping you actually have to compare all the prices to get the best deal.

There Are No Deals “Too Good To Pass Up”
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There is no such thing as saving money buying something. You can go broke “saving money” this way.

The Complete Guide to DIY Household Cleaners
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I began my DIY journey learning about science, so it feels best to start you there as well.

Marital Harmony with a Few “His” and “Her” Budgets
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Each spouse has different spending habits and values different things in life. This can easily lead to bitterness, or at the least, long discussions when the budget is reconciled.

Beware the Two-Pocket Theory of Money
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If you budget well according to your values, a one-pocket theory of money enriches your life, prioritizing your financial dreams above your impulses.

The Route from Wealth to Well-being
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We don’t write a lot about how to spend money, but an international study published this year claims to have found the route from wealth to well-being through spending money.

Financial Peace University in Charlottesville
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The Dave Ramsey website has a list of upcoming classes in the Charlottesville area with start dates varying from September 13 through October 11.

The Business of Being an Artist
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Financial planning is simply doing what it takes to give you the means to do what you want. The poorer you are the more you need financial planning. You don’t have any margin for mistakes.

Five Things You Can Control: Commitment to Saving
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Saving money is not enough. You need to save and invest.

Five Things You Can Control: Spending Discipline
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“Develop spending discipline. People too often forget that the real enemy of investment is consumption.”

The Minimalist Budget
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If you want to be really minimalist about your budgeting, here’s what we suggest: the 65-25-10 rule.

How to Set Endowment Spending Rates
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Endowment spending rates can prove a catalyst for fulfilling or killing the life of the organization itself.

Wealth Management Is In Your Control
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Many feel helpless to direct their own success, but nothing could be further from the truth.

5 Reasons to Have Some Cash Equivalents
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There are at least five reasons to hold cash. Without a good reason to hold cash, you may be holding too much.

Investing 101: Things to Think About Before You Invest
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With a little preparation, you can save and invest over your lifetime to meet your financial goals and dreams.

Radio: Budgeting Benefits
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Having a budget as a boundary for your spending gives you the freedom to work within that boundary, and keeps you on track to save for your goals.

What To Do With That First Paycheck
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You probably know that you should spend less than you earn, but that is only part of the equation.

How to Pay Off Student Loans While Building Wealth
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While your student loans may be a daunting sum, it is still possible to build wealth even while paying off student debt.

Family Budgeting
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If a budget isn’t a team effort, one member of the family will hold the purse strings and everyone else will be resentful.

Guidelines for Using Margin
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Too much leverage is risky because it endangers meeting your goals.

Inflation Illustrated
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We tracked the price of a first class stamp over the last 130 years, noting the changes, to show the steady erosion in buying power during that time.

A Year of Financially Healthy Habits
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It is the season of spring cleaning, so here’s a calendar of ways to clean up your finances one step at a time.

Streamline Your Finances with Schwab Checking
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This Schwab checking account provides six impressive services not true for most local banks.

Reasons to Keep a Local Bank Account
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Investment brokers like Schwab offer many services local banks offer but there are a few reasons why you might want to resist consolidating all of your accounts to a broker.

Millionaire Lifestyle: Drink Sodas at Home, Not Out
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Changing where you drink soda is a small step, but enough small steps can make a huge difference in your savings.

Radio: Financial Planning for Buying a Home
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David John Marotta was interviewed on WINA’s “Real Estate Matters” show with Michael Guthrie, talking about how it is still a good time to buy a house.

Should I Buy Commercial Real Estate?
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Here is a simple way to think about commercial property.

Radio Interview: Financial Gift Giving
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David John Marotta was interviewed recently on radio 1070 WINA’s Schilling Show discussing financial Christmas gifts.

Mailbag: How Much Cash Should I Keep For An Emergency?
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Being prepared is always a good idea, but so is knowing the costs associated with being prepared.

Financial Christmas Gift Ideas
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Financial Christmas gifts don’t need to be a piggy bank. They can be more serious and more meaningful than that.

Financial Advisors’ New Patron Saint Just Cut From the Detroit Lions
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When Ryan Broyles scored a $3.6 million dollar contract after being drafted in the first round he did something quite rare – he sought as much advice as he could find.

How to Convert Taxable Savings Into Your Roth IRA
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Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

How to Save for Large Fast-Approaching Expenses
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The average married couple has dreams of multiple children, annual vacations, and homeownership, but planning for these expenses can be challenging.

How to Get Out of Debt: Summary
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This is a visual summary of the process of getting out of debt.

How Quickly Should I Pay My Student Loans?
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For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

How to Get Out of Debt: Rebuild
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You have laid a good foundation: you are out of debt (or out of bad debt) and you’re ready for a clean start. Commit to keeping your financial life that way.

The Complete Guide to Automating Your Savings
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After automating your entire investment plan, you can save and invest without even having to watch.

How to Get Out of Debt: Monitor and Adjust
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Real life rarely goes according to plan. Set aside time periodically to assess your progress.

How to Get Out of Debt: Implement Your Plan
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Now that you know where you are headed and the steps you want to take to get out of debt, it is time to take action!

How to Get Out of Debt: Make a Plan
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To get out of debt, you need an emergency cushion, a budget, and a plan of attack.

How to Get Out of Debt: Assess Your Situation
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Make a list of all your debt and figure out where your money is going every month.

How to Get Out of Debt: Recognize the Problem
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Most people are comfortable with having some debt (like a mortgage, for example). But how much is too much?

Free eBooks for Lovers of Classic Literature
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If you’re not wedded to the idea of owning a hard copy, there are many options to find classics for free as ebooks.

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