Conservative Personal Finance

Conservative Personal Finance This page is for people who are looking to reduce their personal debt.

05/30/2020

I waited on this until this Coronavirus calmed down some.

I know things are tough now financially. For a SMALL amount of money, you can buy a great guide from Amazon or Barnes & Nobles called:

Conservative Personal Finance: A Guide to Total Debt Elimination

Please take a look, you won't be disappointed! This guide has lots of great advice on getting out of debt, and who doesn't need that right now?

My personal finance book is available at Amazon.com and BarnesandNoble.com.
05/28/2016

My personal finance book is available at Amazon.com and BarnesandNoble.com.

FREE Shipping on orders over $25. Shop Barnes & Noble, the world's largest book seller, for lower prices on Millions of Books, Movies, Music, Toys, Games, Gift and more.

05/19/2016

Thank You to all who liked my business page today! It helps me get more exposure and traffic to my website.

07/04/2015

This is the fourteenth and final post in a 14 week series of short posts related to the guide I recently published that’s available on Amazon.com and BarnesandNoble.com, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.
These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting, "LIKING" and sharing both pages.

Saving Money and Charitable Donations

Once you've used all of the techniques discussed in all the previous posts, to eliminate your debt, you need to start saving money. Make your money work for you now. Invest it, save it, hide it under your mattress. Whatever you do, don’t let yourself go back into debt and don’t waste money. Save every dollar possible. You’ll find that the wealthiest people often are the ones who pinch every penny.

While you need to save, save, save, you also ought to give to charity. Give to your church and to charities you believe in, check them out and make sure they’re doing what they say they’re doing, then give them a percentage of your income. God wants us to be charitable; this is a good way to do that. There are many who are less fortunate than we are.

A percentage of all profits from sales on my book and from any other products associated with Conservative Personal Finance gets donated to charities that we believe are deserving and provide a needed and positive contribution to society.

Thank you all for following my page and Twitter posts. I hope the past 14 weeks have been a time that you used to get your financial house in order. I’ll continue to post useful articles and information to try to help you get out of debt.

Please consider purchasing my personal finance guide that I’ve previously mentioned and stay tuned for more useful personal finance products and services. I’ve yet to finish my website, but am working diligently on it and with realease it soon. Please check back periodically to our website, conservativepersonalfinance.com to see when it’s up and running!!

Until then, spend your income wisely!!

We hope everyone is having a very safe and happy 4th of July!! God Bless America!!

06/27/2015

This is the thirteenth in a 14 week series of short posts related to the guide I recently published that’s available on Amazon.com and BarnesandNoble.com, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.

These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting and "LIKING" and sharing both pages.

A Fit Body & Spirit for Healthy Finances

It’s much cheaper to eat healthy food rather than spend your income on junk food. Carbohydrate-filled foods contribute to increased appetite. Eating foods like this don’t keep hunger satisfied for long and they end up making you spend more money in a few hours to get more food. Eating a diet rich in protein, Omega-3 and 6 fatty acids, complex carbohydrates, nuts and unsaturated fats (fats like peanut oil, olive oil and canola oil) will help you to avoid those cravings and spend less money on food you just don’t need. Evidence is emerging that this kind of diet is good for your heart, too.

Another component of a good personal finance plan is exercise. Proper exercise is as important as proper nutrition in avoiding wasted spending. When we get enough exercise, we feel better than when we don’t, and that goes a long way toward spending less of our income on unnecessary food. We have within us all the equipment we need to get plenty of exercise. We don’t need expensive workout equipment or gym memberships to accomplish this. Walking is a very good exercise and it’s easy to do. Jogging, if done carefully, can also be very good for you physically and psychologically. Of course, you should not try anything strenuous until you have been seen by a physician and obtained his approval.

Last, but not least, a word about God. Since He’s the one who gave us all we have and will ever have, it’s only appropriate that we look to Him for guidance and thank Him for what He’s given us. A few minutes of prayer, attending church regularly and making sure we live a good life will help us to see more clearly what it is that God wants for us. Following His commandments will naturally lead you to better personal finance, as many of the things He‘s told us to do related to our finances are things like not over eating and not spending money frivolously. These things cost money, and lots of it. Following God’s wisdom, we'll all be better for it, financially and spiritually. Since the Commandments are really, simply, very wise rules of human social conduct, widespread violation of them undermines the social stability of both family and society, thereby costing individuals, families, and society as a whole many billions of dollars attempting often ill-conceived social remedies that fail to work and only add greatly to the national debt and taxpayer burdens.

Next week’s article:

Saving Money and Charitable Donations

06/20/2015

We're very excited about this week's article. It's from the chapter on finding other sources of income to help pay off your debts, so you can start to get yourselves in the green, in our Conservative Personal Finance guide. Who doesn't want to have more money? These are just a few suggestions, there are many more ways that aren't discussed here.

These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting and "LIKING" and sharing both pages.

This is the twelfth in a 14 week series of short posts related to the guide I recently published on Amazon, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.

Other Sources of Income

Another way of increasing the speed with which you are able to pay off your debts and start saving is to increase your income. Sounds like a simple concept, but as we all know it’s not so easy to do. There are a number of things you can do here; almost all of them will require hard work on your part, but then again, “Nothing worth having comes easy”. A few ideas are listed below:

• Finish your education to secure a higher paying job.
• Get a second job.
• Ask your current employer for a raise.
• Try your hand at doing something on the Internet to increase your income. There are many things you can do on the Internet to increase your income (such as writing a guide like we did), the trick is to find them.
• Invent something.
• Invest in real estate.

Often the government has grant and loan programs to help with starting a business, going to school, and investing in real estate (the Small Business Administration is a great source of grants and loans for small businesses).

Local, County or Federal low-income programs are also available, if necessary, and local charities are good sources of added income. We should earn our own way and not depend on other people. Sometimes, however, we have no choice and are forced to accept this. This is fine to get through tough times, but not so we can be lazy and never work again. We need to remember that the money is coming from someone else’s hard work. Government handouts are not only bad for us personally, but they're bad for the economy and the country and are a HUGE part of the reason the federal and state budgets are so big. They’re a big reason our taxes are so high. So, use them if you need them, but ONLY for as long as absolutely necessary to get back on good financial ground. Government grants mean financial dependence and loss of freedom, since grants normally come with strings attached. You really don’t want to be dependent on anyone else for your well being. It’s a great feeling being financially independent. Financial independence gives personal freedom.

Next week's article:

A Fit Body & Spirit for Healthy Finances

06/13/2015

These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting and "LIKING" and sharing both pages.

This is the eleventh in a 14 week series of short posts related to the guide I recently published on Amazon, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.

Useful Personal Finance Software

Although I can't vouch for all of these personal finance programs, nor can I predict how any of you will like them, I've found some of these programs useful when trying to keep my finances in order. None of them, however, do ALL of the things that I wanted them to do. I have yet to find a program that covers all the bases in a user-friendly fashion, one that’s easy to use and also incorporates all of the functions I'd like into one program. However, some of you may find that one or more of these are sufficient for your needs. This is also why I've developed my own application to organize my finances AND show me where my money is going every month.

Mvelopes – www.mvelopes.com

Budgetmap – www.budgetmap.com

Quicken – www.quicken.com

Moneydance – www.moneydance.com

Budget Planner PRO – www.allpurposesoftware.com

MSMoney – www.microsoft.com/money

Credit Karma – www.creditkarma.com

Next week’s article:

Finding Other Sources of Income

06/06/2015

These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting and "LIKING" and sharing both pages.

This is the tenth in a 14 week series of short posts related to the guide I recently published on Amazon, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.

Useful Personal Finance Websites

Listed below are a number of useful and extremely educational websites – both for debt reduction and many other personal financial matters.

www.Bankrate.com – For the best interest rates on credit cards, insurance, mortgages, and auto loans. Also has good advice about personal finance.

www.Smartmoney.com – Good personal finance advice. Includes advice about debt management and investments.

www.CBSMarketWatch.com – Investment, retirement, insurance and real estate advice. This site also has consumer advice on purchasing automobiles and other high ticket items.

www.foxbusiness.com/personal-finance – Good articles regarding personal finance. Extremely informative.

www.Freegrantsearch.com – Nice site, this site provides information on grants in all parts of the country that can be obtained for different purposes.

www.debtreliefcouncil.com – This site is similar to the one above, but provides alternative sources for grants.

www.Fool.com – Another good source for financial advice. This site deals specifically with investment but also has lots of excellent personal finance information.

www.gasbuddy.com – Through this site you can log onto more than 170 Web sites around the U.S. and in Canada that help consumers find cheap gas prices. Each site has a live forum for consumers to post local low and high gas prices they have found.

www.Kiplinger.com – Good personal finance advice. This website includes advice about debt management and investments.

www.Money.CNN.com – Good retirement and personal finance advice. Very good resource.

www.Fortune.com – Mainly good for investment and retirement income advice.

www.ncpa.org – Good for general economic policy principles. Since all of our financial decisions are based on economic principles, it’s good to have a basic understanding of how our economy works and the driving principles and forces behind it.

www.SBA.gov – Government website dedicated to helping small businesses get started. Provides information on start-up, and can help find/provide start-up capital.

I listed the above websites here and in my personal finance guide for 2 reasons. The first, because I found that they had great articles with personal finance. Second, because the information I found on them was VERY useful in my quest to pay off my debts over the years.

Next week’s article:

Useful personal finance software

05/30/2015

Please "share" and "like" this article with all your friends to help me get exposure for my business! Thank You!

05/30/2015

These articles appear not only on my Conservative Personal Finance page but also my Twitter page. Please help me get more exposure by visiting and "LIKING" and sharing both pages.

This is the ninth in a 14 week series of short posts related to the guide I recently published on Amazon, "Conservative Personal Finance: A Guide to Total Debt Elimination". These posts are meant to help you get something out of the knowledge and experience I have dealing with debt and personal finance.

Using a Spreadsheet to Track Your Debt Payoff Progress

You can effectively and easily use a spreadsheet to not only keep track of your monthly recurring payments, but to also keep track of the progress you’re making using the strategies for automatic bill payments and to track your debts. You can use the spreadsheet to keep track of the balances of all of your loans, insurance premiums, credit cards, income, taxes (property and income) and past energy usage (gas, electric, phone and water). Keeping track of these expenses will help you see from month to month how you’re doing in your struggle to spend less of your precious income. I keep all of this in one spreadsheet so all of this information is at my fingertips. I even keep track (within a month or two) of my debt payoff date. Doing this gives me a target date to aim for. Psychologically this is a good thing, because without a goal to shoot for you’ll take much longer to pay your debts off and spend a great deal more in interest. The date may change, depending on events in your life, but at least if you stick to it you’ll eventually get there.

Creating spreadsheets is relatively simple, and even if you don't know it, you either have a spreadsheet program on your computer right now, or you can easily download one that you'll be able to create any and all spreadsheets you'd like to track your debts.

Next week’s article:

Useful Personal Finance Websites

05/25/2015

Today is the day we remember and honor all those who died protecting our freedom. Without their ultimate sacrifice, we wouldn't be free and we wouldn't have what we have today!

I'll honor these people all week by leaving my banner picture as it is.

One thing I intend to do when I start making a profit from my business is donate a portion of it to a military charity.

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Niagara Falls, NY

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