From the Editor’s Desk

Gary Foreman

You Reap What You Sow

Hello to all my Frugal Friends!

Do you believe that there are certain laws of nature? Things that just are? I do. Things like gravity. You can’t see or feel it. But drop your pen or your cell phone and you can bet it will fall.

Another law of nature that I believe true is you reap what you sow. And, in multiples of what you sow. And it’s not just true of vegetables. It’s also true of our finances.

If I sow savings and wait awhile, I’ll reap a harvest of more money. Sure, there are variables involved. Some investments are riskier than others. And, yes, you can lose money in the stock market or other investments.

But in the vast majority of cases, if you save $100 today and invest it, you’ll have more money a year from now. And even more 5 or 10 years from now. I know it’s true from my own life.

Why do I bring that up? Because many people just give up. They figure that they’ll always be in debt or broke.

I don’t believe that’s true. With a few exceptions, I think that almost all of us can make decisions that will help our finances this year. We can end 2020 in better shape than we started it.

It will take some work. Maybe some learning. And some discipline. Things that we may not like to do. But we are capable of making those decisions and acting on them. There’s nothing stopping us except ourselves.

In other words, I believe in you. You’re not a victim. You may be struggling financially now, but that’s not a permanent, irreversible situation. You can overcome the problems you face.

Sure, some of you may be living paycheck to paycheck. You’re barely able to pay the bills. I understand. But in almost every situation, there are ways to gather a few dollars each month. It might take some of that work or disciple we talked about. And it might show small results at first. But it is possible.

We’ll help you. We can point you to helpful information and encouragement. A variety of resources. That’s our job. Your job is to take advantage of those resources to better your financial situation.

So whether you start 2020 in good financial shape or not, let’s make 2020 the year that you sow a future financial harvest!

Keep on Stretching those Dollars!

Things To Do Now In Case of Inflation

Hello to all my Frugal Friends!

A new year and a new, clean slate. Well, not exactly. Your financial past does follow you.

If you’ve built up some savings, they’ll continue to earn you some interest or appreciation in 2020. And, conversely, if you’re in debt, you’ll continue to pay interest on the money that you’ve borrowed.

With the holidays, there were a couple of news items that might have been overlooked. The first concerns the federal government deficit. “The federal budget deficit was $984 billion in fiscal year 2019, CBO estimates.” (source: Congressional Budget Office) And, former Federal Reserve Chairman Alan Greenspan says inflation “is inevitably going to rise” as the deficit balloons over $1 trillion. This according to an article on

What can you do if you expect inflation (and I do)? The first thing is to have some assets that will appreciate in an inflationary environment. Metals and real estate are the traditional inflation hedges. There are many ways to own both. Everything from coins and investment properties to mutual funds and REITs.

You’d also be wise to review any debts you have. Fixed rate debt (like a fixed rate mortgage) aren’t so bad. But any variable rate debt (like credit cards, home equity loans, etc., can become painful if rates rise. That’s why this article caught my attention. It’s headline:
“Personal loans are ‘growing like a weed,’ a potential warning sign for the U.S. economy” (source: Those are the exact type of loans that will become a problem if/when inflation returns.

So now is a great time to review your debts and make appropriate changes if necessary. One way to do that is with our How to Conquer Debt ebook. It’s an excellent tool to help you take control of your finances.

On a separate note, I’d like to invite you to visit and follow our Facebook pages. We have one for and one for As you’d expect you’ll find lots of good information there!

Here’s to a happy and prosperous new decade!

Keep on Stretching those Dollars!

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