Debt Discussions with Kapers

What Big Business does with a budget that most households don't

What key business tool is rarely used by households even though it would improve their financial position almost immediately? The budget review!   In business, an estimate is made of every aspect of the expected annual income and expenses for the coming year, to create a budget. These estimat... Read More >>

Forget the economy - get your life back under control

The nature of the current world-wide economic situation is alarming, and most of us have little or no control over how it continues to unfold.   It is of no comfort to younger people to know that this has happened before, and it will happen again, in some shape or form – that pendulum swi... Read More >>

6 Ways to Rein In Spending

The experts are all recommending rapid debt reduction to soften the current economic crisis.  So here are my top 6 ways to rein in spending on luxury items, while still enjoying their benefits – well, sort of: No. 1 – Gym membership A quick look at family photos from the 50’s begged... Read More >>

If you want my advice about debt consolidation..........

There is no doubt that debt consolidation gives you breathing space.  Having all your debt packaged into one loan, and spread over a longer period of time, reduces your regular payments and frees up your cash.  You breathe a sigh of relief and vow you'll never get into the same situation a... Read More >>

A Bazaar Way to Earn Holiday Cash

My 2 daughters, after producing between them 5 beautiful grandchildren, decided there was no room in their homes for the baby furniture, car seats, tiny shoes hardly worn, elfin-sized clothing and all the other paraphernalia that goes with the arrival of children.  They also decided t... Read More >>