The Alexandrite Group LLC

Conscious Money Choices

Category: Overspending

The Alexandrite Group | What is Personal Overspending?
March 3, 2020

What is Personal Overspending?

Personal overspending is when you spend more money than you earn.  While there can be months where your expenses exceed your monthly income that does not necessarily mean you are overspending.  Because it is offset by months where you spend ...
The Alexandrite Group | Is It Okay to Carry Credit Card Balances
January 28, 2020

Is It Okay to Carry Credit Card Balances

No, it is never okay to carry credit card balances.  This is one of many key ingredients, such as understanding your cash flow or your net worth in order to be or become financially sound. Fiscally responsible adults know that ...
The Alexandrite Group | Seeking Financial Counseling
December 28, 2018

Seeking Financial Counseling

Seeking Financial Counseling There are many reasons why a potential client will contact me. Some are not sure whether they have found the right place. This article is based upon actual email correspondence between a worried and stressed husband and ...
The Alexandrite Group | Why a Spending Plan is Better Than a Budget
October 11, 2018

Why a Spending Plan is Better Than a Budget

  When searching online for help with your overspending, most will look for how to budget. Few will consider how to prepare a spending plan. On the surface, a spending plan and a budget may seem to be the same. ...
The Alexandrite Group | 5 Steps to Help Stop Living Paycheck to Paycheck
July 26, 2018

5 Steps to Help Stop Living Paycheck to Paycheck

Are you among the growing trend of households who are high-income earners but are living paycheck to paycheck? It is likely you have little or no savings, except for your retirement account. However, if you had a minor emergency, you ...
The Alexandrite Group | Why Do We Overspend?
April 27, 2018

Why Do We Overspend?

How Can I Spend Less Money? This is a frequent topic of conversation with friends. They think it is as simple as cutting a cable bill or cancelling a gym membership. But these casual conversations rarely venture into why someone ...
The Alexandrite Group | 4 Bad Spending Habits and How to Break Them
January 8, 2018

4 Bad Spending Habits and How to Break Them

The problem with habits is that they come naturally to us and can be hard to break unless we really make an effort. Sometimes we do things without even thinking, to our own detriment. If you feel like you are ...

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