Financial Wellness @ Work

The Best Laid Plans…

As someone who did some online shopping this year, I read this article about gifts that didn’t arrive in time for gift giving and felt a great sigh of relief.  I can’t imagine getting to my mother’s house completely empty handed on Christmas Day.  The people who ordered their gifts online, with a “guaranteed” delivery prior to Christmas, and didn’t receive their items probably didn’t have the joyous holiday they expected. There was probably a bit of anxiety and disappointment mixed in with their holiday. Not that the season should be all about gifts…but the reality of where we are as a society places an undue emphasis on a commercialized Christmas.  (My opinion!)  This article made me think about not just my view of the holiday season, but of life in general. Read more

Did You Find a Little Extra in Your Stocking This Year?

As the year winds down, some employees may find a little extra in their stockings this year in the form of profit sharing, year-end bonuses, or other such windfalls.  Such surprises may leave them wondering “What should I do with this?”  Well, if you’ve managed to stay on the nice list all year, here are a few ideas as to what you can do with this extra bit of Christmas cheer: Read more

A New Year, A New Attitude About Electronic Games

This Christmas has been a little rough on the Ward family.  On the one hand, you love to give your children everything they want for Christmas, but on the other hand, you know that giving your child everything they want is a surefire way to spoil them.  My wife even commented on how she has not had quite the same level of joy this year shopping for the kids as she has in previous years, and when you look around our house and see all the forgotten toys and gifts from Christmas past, who can blame her?  You want to give your kids what they want, but you also want the gifts to be appreciated and to be edifying in some way. Read more

Merry Christmas!

Here’s to wishing all my readers a Merry Christmas and a prosperous New Year in 2013!

Give From the Heart, Not (Necessarily) From the Wallet

Christmas is supposed to be a time of goodwill and cheer as families and friends gather to celebrate the holiday.  Unfortunately for some, this will also be a time of nerve-racking stress as they compete with other shoppers to find the best deals on gifts in an attempt to check off every item on their list.  In the end, many will have little more to show for it other than an upset stomach and a large credit card bill.  This year, rather than succumb to the pressure advertisers put on us to buy, buy, buy, let us instead choose to give, give, give. Read more

Don’t Let Your Focus on Today Keep You From Planning for Tomorrow

What a great weekend.  As a family, we drove to Bethlehem (North Carolina) on Saturday night to see a live nativity, but what made this trip even more noteworthy was something that happened on the ride home.  As we were driving home, I took a detour to check on the status of my boat at the repair shop.  (Basically, I just wanted to make sure it was still there.)  After putting my mind at ease, we turned around, and I was about to make a left turn back toward the main road when something caught our eye.   Read more

Tips to Keep Your Holidays Debt and Stress Free

As I write this, it’s only a month before Christmas and all I’ve seen and heard today are ads about Black Friday & Cyber Monday.  I have to admit that it makes me not want to shop at all this year!  (If you’re on my Christmas list, you might want to read another planner’s blog this week!)   Read more

Money is Only Money

When I realized that I’d be posting this blog on Christmas, well at least the legal holiday since the spiritual holiday was Sunday, I thought it was a great opportunity to talk about values.  A season of celebration gives time for reflection on what is important to each and every one of us.  Whether or not you celebrate Christmas isn’t the theme here.  What is important is the question, “Why?”  Why are we doing this?  Why are we saving and investing?  Why are we sacrificing for tomorrow?  Why do we have to learn about our benefits at work and plan our estate?  It all seems like a chore sometimes. Read more