Now that we're a few weeks into the year, is your New Year's budget sticking? Here's an awesome tip that may help you keep that goal rolling through the whole year! Having a personal allowance helps you have the freedom to spend money on yourself but the control to not over do it. Have you established a personal allowed? If so, how has having a personal allowance helped you? 

GUEST BLOGGERS: WILLIAM D. DANKO, Ph.D. AND RICHARD J. VAN NESS, Ph.D.

​​Shop ‘til You Drop?
So many articles have been written about becoming an efficient shopper. It’s exhausting just reading about the techniques that people devise in order to have the ‘best’ shopping season ever. Year-round, buying to assure the best deals, studying the desires of gift recipients, most appropriate wrapping for each person, and on and on. Some even specialize in gift shopping for pets. Seems that all of the major newspapers report on the masters of the creative passion of gift-giving for Christmas and other occasions. Time is a precious commodity, so why do some people participate so vigorously in such activities? Just pause, relax, and breathe. There is no fatal consequence of not attending the circus chaos.

According to debt.org, in 2018 Americans had a combined total of $13.51 trillion of debt. This number is $837 billion above the previous high! So, if you are one of the many contributing to that $13.51 trillion of debt, here's a resource you've got to know more about: PowerPay. 
PowerPay shows you the most efficient and money-saving way possible to get out of debt. First of all, to use PowerPay you’ll need to create an account. Head to powerpay.org and click “New? Sign Up Now” to get started. It shouldn’t take you more than a few minutes to get your account set up. You can also use the free app on your Apple smart phone. Once it’s up and running here’s what you’ll need to gather:

Hey, hey Utah Money Moms! Liz here! I wanted to tell you about one of the books listed on the Utah Money Moms Resource Page, The Automatic Millionaire. I first read this book as a freshman at Utah State and was surprised at how much I liked it! I recently reread the book and wanted to share with you 3 reasons why it’s a good option for anyone looking for a financial boost.

GUEST BLOGGER: KATHY RIGGS