Hi Folks,

As James mentioned, I’m off for travel until the 2nd of February but wanted to share a post about an interesting project that one of our readers is working. If folks want to read a bit about Kelley’s project and get involved that would be great.

“I am a documentary photographer and am doing a project on debt in this country to try to shed light on the difficulties of living on today’s working and middle class salaries – as well as to shed light on some of the problems with the credit card/lending industry. I am looking to connect with middle class people and families who find it difficult to live without debt – whether they need the help of credit cards or whether they are in debt from medical bills, paying for school, etc.

I know from personal experience that debt isn’t always something you want to share with the world so anyone who participates in the project can remain anonymous. I am very sensitive to the privacy concerns that people may have when they talk to me about their debt situations. In fact, my idea is to photograph things that represent people’s debt – but not necessarily the people themselves (e.g. groceries, cars, medical bills, school loans, clothes, etc… anything you have gone into debt to pay for).

As I am based in New York City, I am particularly looking to meet people in the NYC metro area; although I’d love to hear from you wherever you are. If you would like to see more of my work to get an idea of my style, you can look at my website: www.kellyshimoda.com If you think you might be interested in participating – or just hearing more about the project – please email me at: debtphotoproject “at” gmail “dot” com Thanks very much!”

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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