Over the course of the last decade we’ve all experienced what was practically an unprecedented boom in home prices. Nationwide, housing prices rose by around 35% (that’s adjusted for inflation). More importantly, even though those home price gains have been most evident to the owners of higher end homes, it’s obvious that the price among homes owned by lower-income families were inflated by the so-called housing-bubble.

The zero-based budget makes up for unplanned use of positive cash flow (see "Budgeting Pitfalls"), in that the goal is to have no free-floating cash whatsoever; all income funds must be allocated into a spending category in some way.

San Jose, CA - November 15, 2007 - In a recent interview with Turning Point TV, the Chairman of Provanta Corporation, Richard Nikoley, describes the common challenge of obtaining referrals from existing clients. Most clients experiencing a financial hardship are reticent to discuss their situation with friends and family.  As a result even a company with a proven track record of success for fifteen years may find it difficult to garner referrals.


 

San Jose, CA - October 25, 2007 - In a recent interview with TurningPointTV.com Provanta Corporation’s Chairman, Richard Nikoley, describes debt settlement and individuals that have become clients.

A significant portion of many families’ budgets is devoted to utility costs, including heat, cooling, electricity and water. Simple strategies, helpful items, and certain home improvements can reduce these costs and provide substantial savings.

Money is a common stressor in marriages, and many couples cite money as their primary marital problem. As with many marital issues, communication and compromise are key in making your money work for your marriage.

Many people spend their weekends shopping flea markets, rummage sales, auctions, clearance sales and more. While great bargains can be found, saving you a substantial sum on needed items; bargain shopping can be a pricey hobby. How can bargain shopping fit into your budget, and are you saving money?

Expecting a new baby is one of the most exciting times in life. It can also be a financially worrisome time. There are medical expenses, baby’s needs, and the costs of caring for and raising a child. While some of those expenses cannot be avoided or altered, others can be. Obviously, you want the best for your new baby, but you can save on what baby needs without sacrificing quality.

Travel is becoming more popular and more affordable each year. New online travel planning options have opened up access to better prices on hotels, airfare and more. More affordable travel has made the world a smaller place, and can allow you to venture out, explore more, and remain closer to distant friends and family.

Food costs are a substantial part of any family budget. This is, however, also one of the most flexible areas of the budget. While no one wants to eat nothing but rice, beans and ramen, some simple tips can help you save on food and still eat delicious and nutritious meals.