It’s Time for Your Financial Checkup

It’s Time for Your Financial Checkup

Every year or so, we all have to wipe out several appointment slots to go into the doctor’s office for a regular physical. A bunch of numbers and letters are thrown around, like the values for BMI, BP, HR, LDL, HDL — and the list goes on. The end result is a...
Prioritize Your Passion

Prioritize Your Passion

“Time is really the only capital that any human being has and the only thing he can’t afford to lose.” – Thomas Edison Thomas Edison realized that no one ever gets their time back. Especially with the pandemic, we’ve all come to realize how...
Is Social Security Dead? Maybe.

Is Social Security Dead? Maybe.

Social Security has always been a hot topic politically. There are almost no circumstances in which an elected official would ever even imply that Social Security should be cut. But this is 2020. Starting today, September 1st — two months before Election Day —...
Spending Plans Are for Everyone

Spending Plans Are for Everyone

Have you ever partially charged your phone, but you got a call — and then partially charged it again when another call comes through — etc., etc.? It makes you wonder about the battery, even though there is no real problem. Likewise, sometimes people think their...
Help for a Marriage in Trouble

Help for a Marriage in Trouble

At Judith Heft & Associates, we do so many unusual projects for our clients!  It’s actually de rigeur. Right now we’re working on a project with a couple who’ve been having some marital problems.  These problems are based on finances.  There have been...
Chipping Away at Your Fixed Expenses

Chipping Away at Your Fixed Expenses

Life has been different for five months,  Some people are just beginning to feel the economic impact.  An entrepreneur friend of mine has seen her revenue plummet.  What little is left gets consumed by rent, electricity, insurance premiums — in other words, fixed...
Separating Yourself from Temptation with Kitchen Safe

Separating Yourself from Temptation with Kitchen Safe

I’ve always been creative thinking of ways to spend less and save more. As a young adult, I developed what I thought was a pretty neat method for making my credit cards impossible to use . I would freeze them in a giant block of ice. That way, I would have to wallow...