Remember in the 90’s when coffee became a Thing? It was a tumultuous time in the culture: the heyday of Ross and Rachel, of the musical RENT! of Raising Awareness About Everything and flat-ironing the living shit out of your hair. It was also when s going to a “coffeehouse”

Sometimes this can feel stressful when you don’t feel like you have the funds to buy gifts, or the friend expecting the baby has registered for many expensive baby things. Also, you may feel resistant to buying something from a large store that feels impersonal. After hearing from friends that they received 5 times as much stuff as they needed for the first 6 months of their child’s life, it is motivating to think of other things that would be helpful and meaningful.

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“I am standing up in my friend’s wedding. I am really struggling financially and I have spent over $400, and I just found out that the dress is going to be $250! I am freaking out… what should I do?” – SD

Standing up in a wedding for someone you love and support is a huge honor and it is one of the biggest financial commitments people make to their friends. Some would say that in that type of situation money “shouldn’t matter.”

First Oakland needed a new t-shirt, now it’s Three Twins Ice Cream that’s looking for your fashion instincts and/or graphic design skills. All you’ve got to do is email your design to threetwinstees@gmail.com and make sure it’s got the Three Twins name or logo in it. If you’re the talented

What do you value? What are your priorities? It is impossible to look at spending and savings to see if it is aligned with your priorities if you don’t know what your priorities are. In addition, if I told you how to spend and save your money based on my priorities or Joe Bob’s, then you may do it for a short time but in the long run it isn’t sustainable. You create sustainability when you identify your priorities and align your spending and savings with those priorities.

Our culture values time and money over health and wellness. Do you?

So we want to save money and spend less on “everything” including food. Unfortunately we assume that eating healthy foods is more time consuming and more expensive. In many cases it is. Several years ago I lived alone and traveled a lot. I was sure that I could save money by dining out because I wasted so many groceries. At that time I was eating a lot of fast food, maybe 5-7 times per week or more.

“How do you handle finances in a relationship between two people with totally different incomes?” -Chirabo

Most banks automatically give you overdraft protection, the fees upwards of $30 when you overdraft. Oh Thank YOU! Wow. The guy who invented “automatic overdraft protection” made the banks billions and billions of dollars, for the convenience factor. You know when you are out fine dining you don’t want to be embarrassed that your card was declined, oh no! Well the fear of worrying what others think of our financial situation sure is motivating.

Don’t you think the technology exists for your card to simply be declined when you don’t have any money left in your account? Why would the banks implement something so seemingly customer service oriented and give up billions of dollars? Right.

Outside of a desperate or survival mode purchase, wouldn’t you prefer for the card to be declined instead of paying a $35 fee on top of a $3.00 coffee purchase?