Author Archives: Nelmes

Is your need of success keeping you poor?

I believe focus creates our lives, but why then do so many that have such a strong desire to be successful, fail so miserably when it comes to [..]

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Why Financial Planning might not help you

Managing your finances is an important part of building a life that works for you and your family, and planning and goal setting greatly improves your chances of [..]

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Is everything really that broken?

The financial system focused on profits and sales, our food losing nutrition and gaining poisons, enough resources to take car of everyone, yet many are still starving. With [..]

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Plan Your Spending Using Annual Numbers

When creating a cash flow plan, planning your spending using annual numbers makes a huge difference and allows you to easily compare different expenses.  Often little expenses are [..]

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Fun Critical in Finance

My boys wake up and are ready to play, fun rules their lives.  I am sure when I was  small I was the same way, however as I [..]

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Finding savings without sacrifice

Budgeting is usually surrounded with the idea of sacrifice, coupons and hardship.  However there are some great options to save money without these.  Here are a few ideas; 1.  Banking fees [..]

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Gift of the word “But”

The word “but” is one of those interesting, insightful and powerful words.  By simply hearing yourself use this word, or catching yourself before you use it, you can [..]

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Listing Expenses By Priorities, C7

This step takes the list of expenses you created a couple of steps ago and re write it in order of priority.  For this you can exclude price as [..]

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Honest Income Estimate

With an understanding of your expenses, it is time to list your income.  For this an honest, conservative  and organized estimate is always the best plan. If an income estimate [..]

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Collecting Your Real Spending, C5

Too often when creating a budget, the numbers are invented and the time is not taken to observe our current spending.  This often is dramatically different from the reality,  making [..]

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