Getting to the Root of Mass Shootings: Why a “Single-Fix” Mindset Misses the Mark Mass shootings are one of the most painful and polarizing topics in American life. Communities grieve, politics harden, and the conversation often collapses into a tug-of-war over gun laws versus mental health. If we’re serious about saving lives, we have to get past slogans and build a prevention strategy that matches the complexity of the problem. That starts with a hard look at what the data actually show about who commits these attacks, why they do it, and what works to stop them—before the shooting starts. 
Creating and Following a Budget
Creating and Following a Budget


Money stewardship is the responsible management and oversight of one’s financial resources. At the heart of effective money stewardship lies the art of budgeting. Budgeting is not merely about restricting spending; rather, it is a tool for empowerment and financial freedom. We will discuss the importance of budgeting, how to set up a budget, strategies for following it, and tips for staying on track.
Setting Up a Budget: The first step in effective money stewardship is to create a budget. To begin, gather all sources of income and list them. This may include salaries, bonuses, freelance earnings, or any other sources of income. Next, compile a list of all expenses, categorizing them as fixed (e.g., rent, utilities) or variable (e.g., groceries, entertainment). Subtract total expenses from total income to determine discretionary income. This surplus can be allocated towards charitable giving, savings, investments, or debt repayment.
How to Follow a Budget: Following a budget requires discipline and commitment. Start by establishing clear financial goals. Whether it’s saving for a vacation, paying off debt, or building an emergency fund, having specific objectives will provide motivation to adhere to the budget. Allocate funds accordingly, prioritizing necessities while allowing for some flexibility in discretionary spending. Regularly review and adjust the budget as needed to accommodate changes in income or expenses. If you have a spouse or partner, it is essential that they are on the same page.
Strategies for Staying on Budget: Several strategies can help individuals stay on budget. First, automate savings and bill payments to ensure they are prioritized each month. Additionally, use cash or debit cards for discretionary spending to prevent overspending. Consider using budgeting apps or spreadsheets to track expenses and monitor progress towards financial goals. Set aside time each month to review spending habits and identify areas for improvement. Include your spouse. Finally, practice self-discipline and avoid impulse purchases by sticking to the budgeting plan.
It is important to understand the difference between Needs and Wants. Needs are expenses that are essential for a person to live and may include rent or mortgage payments, insurance premiums, utilities, transportation expenses and food costs. In addition, health and child care fall into this category. Wants, nonessentials, lifestyle and discretionary purchases are costs that are not necessary to maintain your basic quality of life.
By implementing strategies for staying on track, individuals can successfully manage their money and achieve long-term financial success.
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Tim is a graduate of Iowa State University and has a Mechanical Engineering degree. He spent 40 years in Corporate America before retiring and focusing on other endeavors. He is active with his loving wife and family, volunteering, keeping fit, running the West Egg businesses, and writing blogs and articles for the newspaper.
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I think this is key to peaceful living and a beautiful life
Great information and reminders

21 Day Money Challenge
Ready to take control of your money in just three weeks? This 21-Day Money Challenge walks you step-by-step from clarity to action—seeing where your cash goes, cutting waste, automating the good stuff, and protecting what you’re building. Each day gives you one simple task with exactly how to do it and why it matters, so you’ll build momentum without overwhelm. By the end, you’ll have a leaner budget, smarter systems, and confidence that your finances are finally working for you.

The Power of Email Check-Ins
A welcome email isn’t enough — the real relationship and future sales happen through follow-up. Use a sequence of 7-, 14-, 30-, and 60-day check-ins to keep customers engaged, supported, and motivated. Each touchpoint serves a purpose: quick-start connection, momentum building, milestone celebration, and next-step encouragement. When done right, this approach boosts retention, increases referrals, and creates natural upsell opportunities without the hard sell.
I think this is key to peaceful living and a beautiful life
Great information and reminders