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- Married couple Amy and Paul earn a comfortable $110,000 per year. They bought an older house, which they are addicted on renovating without considering the cost of each project. As they started some renovations, they found additional problems, such as asbestos and termites, which ended up costing more money to rectify. Despite this uncontrolled spending on the house, they have not cut back on any of their other spending. Paul, who admits he has always spent money foolishly on such items as fast and junk food, sticks his head in the sand about their household finances. In addition, they have their minds set on buying a $1,700 puppy, money which they do not have, nor have they planned for the puppy's upkeep. Not including their mortgage, they are $20,000 in debt. Gail tries to make them see the long term financial cost of their bad habits, ones they may not believe have any major financial implications. With a budget Gail sets aside for it, Amy and Paul have to make a long term plan for what they ultimately want to accomplish with their house in terms of renovations, and when they can achieve each project. And Gail has them work together to set common goals for their spending.