Heather Davis Richards

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Following: 30
Following Blogs: 12

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Even Your Kids Aren't Safe From IDENTITY THEFT

Heather Davis Richards posted an article on - Oct 21, 2009, 9:00 pm
This week is National Protect Your Identity Week. I know most folks think that identity theft could never happen to them. However, I have met so many people who have been victims. The wildest story on...
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Spending Wars: Husbands versus Wives?

Heather Davis Richards posted an article on - Oct 19, 2009, 9:00 pm
A while back, I wrote about financial infidelity, and the impact it can have on a relationship. But what about the other games we play with money? How do those hurt a relationship? One of the most co...
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Thou Shalt Save!

Heather Davis Richards posted an article on - Oct 12, 2009, 9:00 pm
Jon Hanson is a new guest blogger for It’s Your Money. Uncle Sam wants you! To have an IRA!  Proposed in President Obama’s 2010 budget is a provision for automatic enrollment of employees i...
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Heather Davis Richards is following the blog Daily Finance
Heather Davis Richards is following the blog Blogging Banks
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Heather Davis Richards is following the blog Get Rich Slowly

7 Ways to Save for the Holidays

Heather Davis Richards posted an article on - Oct 7, 2009, 9:00 pm
It’s true. Halloween starts the entire holiday season. It starts with the weather. It barely starts to get colder, and we see pumpkins in grocery stores. The next thing you know, you are washing Tha...
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What Will Happen When Frugal Isn't Chic?

Heather Davis Richards posted an article on - Oct 5, 2009, 9:00 pm
Lately, it seems that everywhere I turn, financial institutions and other organizations are boasting about the increase in the national savings rate. Personal spending is down sharply from 2007, while...
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Is A Government Healthcare Plan Effective Elsewhere?

Heather Davis Richards posted an article on - Oct 1, 2009, 10:27 am
Scott Borden is a guest columnist specializing in the insurance industry. Known as the HSA Guy, Scott addresses some real questions today.  Most people have A LOT of questions about the health care...
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Reverse Mortgage Scams

Heather Davis Richards posted an article on - Sep 28, 2009, 9:00 pm
Today, the Office of the Comptroller of the Currency (OCC) released a consumer advisory in regard to reverse mortgages. http://occ.gov/ftp/advisory/2009-2.pdf This comes at a time when many mortgage ...
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7 Tips for Fall Savings

Heather Davis Richards posted an article on - Sep 23, 2009, 9:00 pm
This week marked the first day of fall. It’s hard to believe that we are almost into the third quarter, and that cold weather is right around the corner for most of us. In Kansas, we still have 70 d...
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The True Cost of Not Getting a Flu Shot

Heather Davis Richards posted an article on - Sep 21, 2009, 9:00 pm
Most people hate needles. The anticipation of pain is always worse than the reality. However, that anticipation is the same reason many adults do not get a flu shot. Now, I am not talking about the H1...
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Put Your Kids on Commission

Heather Davis Richards posted an article on - Sep 16, 2009, 9:00 pm
If you have ever owned your own business, then you understand the concept that you make money when the business does. This really applies to all adults. If we don’t work, we generally don’t get pa...
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9 Ways to Earn Extra Money (and still keep your day job)

Heather Davis Richards posted an article on - Sep 14, 2009, 5:53 pm
There are really only two ways to get ahead financially; spend less and earn more. In this blog, I have talked a lot about how to spend less. However, this time I thought it important to talk about ea...
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Debit Cards are the New Cash Cow for Banks

Heather Davis Richards posted an article on - Sep 9, 2009, 5:07 pm
The Credit Card Act that took effect this year, coupled with the recession, has created a void where many fees have been collected in the past. What pays banks more than penalty fees on credit cards? ...
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What has happened to the new Monopoly Board Game?

Heather Davis Richards posted an article on - Sep 7, 2009, 7:42 pm
Recently, my eight-year-old daughter had a sleepover at a friend’s house. When I arrived to pick her up the next morning, she was playing Monopoly. This was a new version of the board game. I was dr...
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Does Mint.com Really Work?

Heather Davis Richards posted an article on - Aug 27, 2009, 9:00 pm
I have been seeing all of the hype about Mint.com everywhere I seem to look.  I was surprised to learn that Mint is affiliated with Finicity, and I was curious to learn more, so I set up an account. ...
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Successful Saving Starts with Making It a Priority

Heather Davis Richards posted an article on - Aug 25, 2009, 3:40 pm
I recently met Shonda, a young woman who told me that she couldn’t ever save money. Every time she saved an amount, she ended up having to spend that money on bills. She was certain that she w...
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Credit Card Changes in Effect Today

Heather Davis Richards posted an article on - Aug 20, 2009, 9:52 am
In May, President Obama signed into effect the Credit Card Accountability, Responsibility and Protection Act. The act was passed to protect current and future cardholders against unfair practices, and...
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Restaurants and Dining for Less

Heather Davis Richards posted an article on - Aug 17, 2009, 9:00 pm
If you have been reading this blog for any length of time, then you have probably realized by now that I am always trying to find a way to do more with less money. That philosophy also applies to my s...
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How I Saved $100 on a Birthday Party

Heather Davis Richards posted an article on - Aug 12, 2009, 9:00 pm
My daughter was turning eight, which (to her) was a monumental cause for celebration. She named off all of the cool kid places to go, amusement parks, water parks, etc. So we looked into some of the o...
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7 Saving Tips for Back to School

Heather Davis Richards posted an article on - Aug 10, 2009, 9:00 pm
So, school is right around the corner. In fact, for me, it starts a week from today. If you are like most parents, you are probably trying to stretch your budget to get everything you need. Here are m...
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Back to School Budgeting

Heather Davis Richards posted an article on - Aug 6, 2009, 2:40 am
Back to school brings such mixed emotions. I remember as a kid, the excitement of a new school year. I loved getting new clothes, and most of all getting new school supplies. There is something about ...
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Feeling Fear about the Future of Your Money?

Heather Davis Richards posted an article on - Aug 4, 2009, 11:54 am
I talk to a lot of people through my presentations, television segments, our courses, and call-in shows. Fear is everywhere. It is in the air we breathe and the water we drink. As a result, people are...
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Is Now the Time to Refinance?

Heather Davis Richards posted an article on - Jul 29, 2009, 3:26 pm
I’ll admit, I got pretty excited to see the interest rates drop so low. Immediately, I started thinking about refinancing my home. It was fun to think of the money I could save each month, and overa...
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Are You in a DEBT CYCLE?

Heather Davis Richards posted an article on - Jul 27, 2009, 5:06 pm

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