Carlos Martinez - Primerica Regional Vice President

Did you know? About 40% of purchases are impulse buys. To avoid the impulse trap, shop with a list and don’t fall for buy-one-get one deals that really add up. (Money, 12/12)

Are you overspending each month? Try building more of a “buffer” into your budget. That way you won’t bust your budget if you spend more than you expect. If you don’t spend the “buffer” money, send it to savings.

The Vaiasuso’s story is one of love, tragedy and eventually, peace of mind. Watch it now.

Primerica Blog – We Do What’s Right: The Vaiasuso Story Joe and Karolein Vaiasuso met in high school. They married young and started a loving family. Less than a year after getting a life insurance policy with Primerica, the family faced the unexpected when Joe was diagnosed with brain cancer.

"Revisit short-, medium- and long-term financial goals. For example, buying a minivan, then a house, and funding college…" - Wall Street Journal, 1/13

A recent survey "found that more than half of Canadians (57 per cent) say they’re comfortable with their debt levels. But more than a third (35 per cent) said they have borrowed too much." - CBC News, 4/13

"You have to begin with the end in mind." - SVP Yvette Henderson

Can budgeting for expensive items cause you to spend more? Check out this article for the surprising answer. http://bit.ly/185GZNs

"Beginning on the first day of a new month, get a receipt for everything you purchase. Stack and review receipts at the end of the month, and you will clearly be able to see where your money is going." - AmericaSaves.org

“Success is where preparation and opportunity meet.” - Bobby Unser

Don't buy into the displays! Here are 7 tips to avoid seasonal impulse buys.

7 Tips to Prevent Impulse Buys | Money Talks News There are only four seasons in the year, right? Wrong. Retailers have up to 20 seasons – just one of the many ways they entice you to make impulse buys. Here's how to resist temptation.

"In the 1970s, fewer than 20 percent of the adult population owned a credit card. Today, between 70 and 80 percent of the adult population does." – The Atlantic, 6/13

"In order to succeed, your desire for success should be greater than your fear of failure." – Bill Cosby

One of the most important principles of saving money is to maintain discipline and delay gratification. Purchases should not be made until the money is available.

Summer is over, but these 10 Commandments of Travel are helpful year-round!

The 10 Commandments of Summer Travel - Yahoo Finance From Yahoo Finance: If you’re planning your summer travel, follow these 10 commandments to protect yourself and your family from identity thieves.

Considering a cash-only lifestyle? Here are some pros and cons!

Primerica Blog – Considering a Cash-Only Lifestyle? In an effort to get off the debt cycle for good, increasing numbers of consumers are saying goodbye to credit cards. Some 29% of respondents in a 2010 poll by…

Did you know that 40% of Americans have $500 or less in savings?

Primerica Blog – 40% of Americans Have $500 or Less 40% of Americans have $500 or less in savings that they could easily access.*

Don't make the mistake of "giving your kids everything they desire. It’s hard to get a feel for the value of a dollar when you grow up never wanting for anything." - MoneyTalksNews, 8/12

Adjust your priorities and think about what you really need. There is a saying that goes, “It’s not what you make, it’s what you keep.” Consider what you really need and try to spend less than what you make, no matter what.

Decisions you make every day determine the health of your financial future. Here are 3 of the worst money habits.

Primerica Blog – Break These Bad Money Habits Following are three of the worst money habits – and how to break them.

The younger you are when you start saving, the more time you have to build your savings!

"If you can't pay your cards off, it means you're buying things you can't afford. Save up for the items you really want, and you won't have to hand over all your money just for the privilege of having things immediately." - HowStuffWorks.com

"Defeat is not the worst of failures. Not to have tried is the true failure." – George E. Woodberry

Almost half of divorced couples cite money issues as a factor that contributed to the breakup of their marriage. Here are five money topics you should make sure you discuss with your spouse.

Primerica Blog – Nearly Half of Divorced Couples Cite Money Issues According to a new survey, 45% of divorced or separated couples say they discovered financial secrets about their spouse.

"Those who don't manage their money will always work for those who do" - Dave Ramsey

Did you know? Five factors go into a FICO credit score: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and types used (10%). - Kiplingers.com,1/13

Are you broke and feeling stuck in your current situation? Imagine your life the way it should be!

Imagine - YouTube Imagine your life the way it should be. Open your mind...open your heart...Imagine the possibilities.

Did you know that wealthy households are more likely than others to be headed by a business owner?

Primerica Blog – Wealthy Households = Business Owners

It seems like a no-brainer but too many people make this mistake: spending more money than they earn. Don't fall in to this trap!

Did you know? Primerica ranks 100% on FindTheBest.com.

Primerica Blog – Primerica Ranks 100% On FindTheBest.com FindTheBest.com, with “unbiased, data-driven comparisons” ranks Primerica’s life companies at the top with a 100% rating.

Need help talking about money before getting married? Here are some tips to help.

How to talk about money before you get married - Jun. 13, 2013 Many engaged couples put off discussing money issues, but experts say that's a major mistake that can derail a marriage. Here's how to start the conversation before saying

"A budget helps you manage small expenses today so you can buy bigger stuff and have more fun tomorrow." - MSN Money, 10/11

A recent survey “found that more than 66 percent of workers spend around $2,000 a year on lunch. If you start brown-bagging it every day, you could easily cut that by 50 percent – and save $1,000 a year." - MoneyTalksNews, 7/12

Buying used items to try and save money? Here are seven things you should avoid.

7 Things to Never Buy Used - Yahoo! Finance From Yahoo! Finance: Some previously owned items could require costly repairs down the road or even pose safety risks.

"A child taught the value of saving rather than spending has a good early foundation in smart money management." - MSN Money 4/13