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Your Habits Are Showing

What’s one thing that will produce dramatic results in your life, for good or for ill?  Habits.  Today, we’ll explore why habits are so powerful and what you can do to take advantage of an amazing source of power within your own life. Your Stomach Has Habits For our purposes, we’ll define a habit as something you do consistently, with little or no conscious effort or decision-making.  One simple example that illustrates this point is a…

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Mortals Only — Part II

Several weeks ago, we shared the shocking news that yes, even TotalThriver members will one day face their mortality.  Since death is one day closer today than it was yesterday, we highlighted the importance of getting good life insurance in place. Today, we’ll explore another aspect of financial planning related to caring for your loved ones after you are gone:  estate planning. I’ll get to it tomorrow….. Though not always the most glamorous or delightful…

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Wandering into Trouble

I’ve enjoyed many hiking and camping trips since I was a young child.  Walking through the forest, listening to the sounds of wildlife and seeing the sun gleaming through the trees, I’ve had a chance to appreciate the beauty and creativity of our Father’s world.  Occasionally, my hikes have become extended for a bit longer than I was planning on, due to an underestimation of how long a climb might take or a casual disregard for things…

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But I’m special….

Ask five of your friends if it’s important to have money saved for an emergency, and you’ll likely get five affermative answers.  Now ask the same five friends if they have such an account, and you’ll probably get some resounding no’s. Yeah, what do they know?! We’ve all heard from financial experts over and over again how important it is to have an emergency fund.  “Three to six months expenses in a savings account or a…

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Mortals Only

For those of you who aren’t invincible, today’s post will show you one vital practice for demonstrating your love to your family.  It is important that we express our love and affection verbally, but oftentimes it is our actions that truly show our hearts. First some bad news:  you’re going to die.  You knew that, right?  Now, I can’t tell you when it will happen, but I will tell you  one thing–that day is one…

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Planning for Unusual Expenses

Last week, we discussed the importance of including unusual but predictable expenses in your budget.  Items on this list include things like car repairs, home improvements, large gifts, or vacations.  By allocating a fixed amount each month, these big expenses don’t have to catch us off guard.  For example, my wife and I set aside $60 each month for car repairs, which has been plenty for the minor repairs and maintenance that our vehicles have…

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Overcoming the Unexpected

Most of us have been through the following story at some point in our lives: We resolve to “do better” with our money. That credit card company has taken advantage of us for the last time! We’re angry that we let ourselves get into such a vulnerable position and we’re angry that the credit card company hit us while we were down. So, we get out the yellow pad or the computer spreadsheet and we…

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