10 Financial Laws for Couples

Just as there are traffic laws to keep cars safe on the road and road signs for clear communication, there are also financial laws which, when followed, will keep financial and relationship patterns open and flowing in a consistent, predictable pattern. But, breaking a financial law may mean getting blindsided,...

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Letter of Reflection

Dear AFCPE Members and Stakeholders, As my Board Presidency draws to a close, I cannot help but reflect on the progress we have made as an organization. When I attended my very first conference as a graduate student in 1998, I remember feeling inspired and awestruck by my esteemed colleagues...

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Timebanking: Serving More Clients Through Alternative Payment Options

The particular irony of working as a financial counselor is that we often come across people who have a critical need for our services, but cannot afford them (because they need financial counseling). While we may be able to donate our services occasionally, it is not something most of us...

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The False Dream of Recruitment

Families with college aspirations for their kids are erroneously relying on the dream of sports scholarships instead of the challenging work of savings. The practice of saving is very tough.  A study by the Pew Charitable Trust reveals a third of all adults are not saving at all!  It is no surprise...

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3 Tips to Help Teenagers Track Their Finances

Most parents desire their teenagers to be a wealth of financial savvy - saving crazily and spending wisely. However, the reality is that at this point in their lives, our teenagers may not hold the same affinity to become financially stable adults.My teenager is a case in point. He is...

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Supporting a Grieving Client

As a Financial Counselor, if you have never gone through the process of grief yourself, then you may find it difficult to know what to say to, or how to work with, a client who is currently grieving. The first step is to understand some of what your client is...

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Mindful Spending: The Emotions Behind Your Financial Decisions

One important factor in planning a financial strategy, and a step so often overlooked, is taking a look at the emotions behind the purchase. Emotions are closely linked to financial habits. If you spend time thinking about the philosophy behind your purchases, you will likely find yourself in a better...

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Money, Marriage & Communication

Money affects all areas of an individual’s life. Issues with money are still a leading factor in divorce. The following tips are essential to every marriage and every budget: If you're not working together, you're working against each other. Creditcards.com conducted an eye opening poll that revealed, "One in 5...

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Values Matter

Whether working with clients or simply your own family’s budget, one of the first things you need to look at are values. Each person has a set of values. Dictionary.com defines values as: “relative worth, merit, or importance”. Personality, culture, and life experience all affect the creation of our personal and family...

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Short term goals and their significance to your entire budget

"If you fail to plan, you are planning to fail." -Benjamin Franklin What is it about that quote that makes planners smile and, well, the rest of us cringe. I am not a person who considers myself a planner... I like to call it 'going with the flow.' However, I have...

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One of the Most Important Counseling Questions You’ll Ever Ask

If you had to pick just one counseling question as the most important question you ask someone you’re trying to help – the granddaddy of them all, the big kahuna, the…number…one  – what would it be?  “How do you see your life playing out if you keep doing things the...

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Kids and Money

From the early years and beyond children should be taught these two truisms: Money does not grow on trees AND You don’t earn money just for breathing! Making money requires work. Keep in mind that you will likely repeat these words regularly (I know I do). The envelope system While...

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