I recently read that the average American family has an annual income of $43,000 and a credit card debt of $2,200. They probably didn't start out with a single $2,200 purchase though. They probably racked up charges little by little, with compounding interest charges upping the debt every month, ... Read More »
Insights Into Family Finances By Randi
Mother, author, and budget extraordinaire, Randi shares her insights into family finances with a realistic point of view.
Her indispensable tool for being in control of her finances: a budget! Read on to see how it not only works for her, but how it can work for you, too!
Randi Lynn Millward, author and mother of 3, resides in northwestern Pennsylvania. She holds a certificate in Creative Writing and Manuscript Marketing and has an ASB in Business Management with an option in Human Resources Management.
Randi is the author of seven books, including Basic Budgeting, 100 Income Streams for Full-time Moms, Beyond the Traditional Lemonade Stand, and A Book About My Grandmother, amongst others, and her writing has appeared in the Business Builders section of the Christian Work At Home Moms (CWAHM) newsletter on more than a dozen occasions.
Randi's books are available on Amazon.com and other participating retailers. Basic Budgeting, is a very useful tool for anyone and everyone to be in control of their finances. It is easy to understand, very useful to single moms. The book is also very affordable. SingleMom.com highly recommends it.
To contact Randi or order any of her books, visit her website at: RandiLynnMillward.com.
Call me skeptical, but when I was given the book From a Millstone to a Milestone: Get Out of Debt in 5-7 Years, Including Mortgage by Applying God's Principles, I didn't see how it could possibly make any sense. Just 7 years ago, I took out a 30-year mortgage, and it's only about halfway paid off. ... Read More »
Money's tight for pretty much everyone nowadays, whether they've got kids or not. People are clipping coupons, buying on clearance, downgrading their cable, and numerous other attempts at saving money. Those are all good starts, but when you've done everything you can think of to save money, and you ... Read More »
It's admirable to donate to charities, and there sure have been a lot to donate to lately, but how do you know if you're money's really going where it's supposed to? What exactly is your donation being spent on? Don't get me wrong, charitable giving is a good selfless act. However, if you want to ... Read More »
I love coupons, or at least I do in theory. I mean, I'd love to use coupons, but they're pretty much only for pre-packaged junk food. Even the "healthy" ones are loaded with artificial ingredients, preservatives, pesticides, and gmo's. I had about given up on being able to use coupons in all but a ... Read More »
We eat a healthy non-GMO diet, mostly organic, so I don't expect our food to be cheap. I'd really like to lower my food budget, but I'm not sure how to. I recently read a food article buy a woman who feeds her family of 6 (5 of whom are boys with double-digit ages!) on $600 a month. Sadly, that ... Read More »
I know I should be getting ready to close out December's budget, figure out January's budget with my new goal of putting more money into investments every month, and getting various financial records ready for income tax season, but I just don't want to. I'm tired of finances. I'm tired of ... Read More »
I always assumed that I was saving money and getting the best possible price on nearly all of the items that I purchased at my local Dollar General store. After all, a dollar store is a place for absolute rock-bottom prices, right? Surely the prices I was paying had to be the lowest... or ... Read More »
With the unlimited resources on the internet, financial information and resources are much easier to find and use now than they used to be. I remember calling the bank numerous times when I was shopping for my first home trying to figure out what my price range was. I was thoroughly confused by ... Read More »
I have a house that I'm going to be renting out next month. The future tenant called me today to ask if she could drop off part of the security deposit now, some next week, and some the following week so she doesn't "blow it before then". Hmmmm... Sounds to me like someone needs a budget. I ... Read More »