Ramoney

Addicted to the Sunday ads? You’re not alone friend. Help curb your spending by doing without the Sunday paper.

Stop making other people’s mortgage payments.

Some odds are better than others. Winning the lottery? Not as much.

Wish you could go back in time and stop yourself from buying that electric abdominal machine that promises rock hard abs in just 2 minutes a day? While the time machine hasn’t been invented (yet), going forward you can avoid future mishaps by discerning between the basics (needs) and the frivolous (wants).

Finances are a part of life. Ramoney will examine ways to improve them every Monday. The first one is here: Build an emergency fund.