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Make 2014 Your Best Year Yet!

Posted by Melissa Schmalenberger on December 27, 2013 in Family, life, Moms, money, Uncategorized |

Here we go, the week where we start thinking of our New Year’s Resolutions. The top three resolutions continue to be to lose weight, be financially smart and get more organized. My husband and I are religious gym goers. We have been going 5 days a week for over two years. We dislike going to [...]

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Skills I Want My Boys To Have

Posted by Melissa Schmalenberger on May 3, 2013 in Family, life, Moms, money |

Raising children is a slippery slope at times. We have to compete against friends and the media and our busy schedules to try to mold and grow children into productive members of society. I have one child that has left the nest and I am preparing for two more to leave in the next four [...]

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Tis the Season for Stress

Posted by Melissa Schmalenberger on November 30, 2012 in Family, Holidays, life, Moms, money |

We promise ourselves year after year that we will enjoy the next holiday season…or that we won’t spend as much….or that we will make time for exercise….or we won’t eat as much….or we will get more things done. But we quickly get caught up in the rush of the season and soon it is the [...]

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Black Friday Shopping Hints

Posted by Melissa Schmalenberger on November 15, 2012 in Family, Holidays, life, Moms, money |

As I am bombarded by adds for Black Friday I was shocked to see something different this year…….3AM openings, midnight openings or worse yet, stores that don’t even close for Thanksgiving Day! This year, retailers are working even harder to get your dollar and shoppers are more savy with where and how they are spending [...]

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What Can You Share?

Posted by Melissa Schmalenberger on September 5, 2012 in Family, life, Moms, money |

I had a conversation with a friend today on the art of borrowing (or is it lending?). I told her wouldn’t it be fun to go in with a bunch of girlfriends on a nice diamond tennis bracelet and then when you have your annual exam or mammogram you wear it? It would build a [...]

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Are You A Janitor To Your Possessions?

Posted by Melissa Schmalenberger on August 23, 2012 in Family, life, Moms, money |

Many wealthy people are little more than janitors of their possessions. -Frank Lloyd Wright, architect (1867-1959) A good friend sent me the above quote yesterday. And it truly could not have come at a better time in my life. I think there are two types of wealthy people out there. Ones that are owned by [...]

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Post Graduation Tips To My Son

Posted by Melissa Schmalenberger on May 23, 2012 in Family, life, Moms, money |

  The countdown is on for my oldest child to leave the nest. I am feeling the twinges of guilt suddenly worried that I didn’t teach him everything he needs to know before he leaves home. I keep reminding myself that this is what our goal in parenthood is all about; we want our children [...]

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Too Many People Buy Things They Don’t Need

Posted by Melissa Schmalenberger on February 14, 2012 in Family, life, Moms, money |

Too many people buy things they don’t need with money they don’t have trying to impress people they don’t even like. I know I am guilty of this in the past and sometimes it still creeps up on me! I work really hard to make sure that whatever I purchase is something I really need [...]

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How Much Do You Really Use?

Posted by Melissa Schmalenberger on February 13, 2012 in Family, life, Moms, money |

Imagine a file cabinet with four drawers, jammed with papers and miscellaneous items. Now look at the picture of the five file folders, that is all that remained after the we sorted out a client’s file cabinet. This is an example of what is left when a client is ready to get rid of clutter. [...]

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Law Of Duplication

Posted by Melissa Schmalenberger on February 6, 2012 in Family, life, Moms, money |

This is a real picture taken at a real client’s desk. I protect the innocent here and will not tell you who this person is. But I will tell you that this is typical in homes and offices everywhere. How does someone get seven staplers on one desk? How does one get 5 black pair [...]

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