Author Archives: Jim Hankins

Numerous individuals and families are experiencing monetary hardship in the current economic environment. With national unemployment rates at near record high levels, gasoline prices constantly fluctuating, and also the cost of living steadily on the rise, numerous are looking for ways to decrease their monthly expenses. Among the most typical recommendations for individuals that are experiencing financial difficulties is to decrease discretionary spending. This recommendation can not apply to all families and individuals as numerous have already trimmed the fat from their monthly budgets. The most desirable course of action is to make way of life and spending modifications that will keep monetary integrity intact. Continue reading →