Debt Free Vacations are Best!

Eastern Caribbean is so pleasant when it’s paid before you get home.

My husband Marc (the first Wise Guy) and I just got home from a wonderful Caribbean cruise to celebrate our 25th Anniversary. We spent 7 nights on our first cruise with ports at the Dominican Republic, St. Thomas, and St. Maarten. We’ve been saving up for a while and so enjoyed it that we thought we’d make a little video to encourage others to be wise with your money so you can enjoy a vacation instead of worrying about the bill when you get home. When you are wise with your money and have no debt, you can save for fun and it’s so much better!  Check out our video.


At Her Wits End

I had the opportunity to guest author with my friend Gary Crist – Penny

Dear Gary: I have a grown daughter who is a single mother to my 5-year-old grandson, Brandon. My daughter works full time, rents an apartment and has transportation. My frustration is with the choices she makes financially and how these affect my grandson.

Just so you know, Brandon’s father is in prison and is of little help to his family. I get very frustrated with the way my daughter blows her money and then comes to me to help her out with monthly bills, etc. She has no savings account and spends money like she has a lot of it. She leases a new car, buys new clothes and expensive things like an iPad, huge flat-screen TV, etc. Much of this goes on her credit cards, which are usually maxed out.

I know I should not enable her by bailing her out every month, but I cannot let my grandson go without the things he needs. I know you are not a financial planner, but any direction or advice I could show her would be very helpful.

— At My Wits End in Loveland