Cynthia Ramnarace

Location, Location, Location

Where you buy is just as important as the home you choose

How Much Should You Spend on a Wedding Gift?

Cash or gift? And how much to give? You might be surprised by the answers

Note to Self: Small Indulgences are Worth It

In an effort lately to spend less and save more, my husband and I took a hard look at our regular monthly credit card charges. Largest amongst them was our $50.80 monthly New York Times print subscription. Stopping the thump of the newspaper on...

Vacation Budgeting with Kids

How transferring paying power actually helps you spend less.

Need vs. Want: the Internal, Eternal Debate

“I really want it!” my daughter Mira says of a new toy she’s been eyeing, her 8-year-old eyes in puppy-dog mode, each vowel elongated for emphasis. Then comes the sales pitch, creepily echoing Furby’s marketing material. “When you talk, it...

How Refinancing Before Sandy Helped Us After

It was the rarest of July afternoons: The kids were at playdates, and I didn’t have to work. I had two choices. I could relish a rare day alone at the beach. Or I could sit at my desk and finish what I had spent months procrastinating about:...


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