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Get Financially Fit – By Michelle Gershfeld

A Financial Poise column dedicated to the idea that your financial health starts with how successfully you manage your money.

medical identity theft

Identifying Different Types of Medical Identity Theft: It Can Happen to You

Medical Identity Theft is a High Cost Crime Norah said she thought it was odd when she received a letter from her insurance company denying a $7,000 insulin pump. She wasn’t a diabetic. That letter should have been an alert that Norah had been a victim of medical identity theft. If you are denied insurance […]


special needs parents

Addressing the Various Needs of Special Needs Parents

The Unique Financial and Personal Needs of Special Needs Parents I remember being in the crowded elementary school gym one time, when people literally just stepped over my daughter while she was having a seizure, as though she were a bookbag. I remember standing in line at the grocery store hearing a woman complain bitterly […]


using cash instead of credit

Using Cash Instead of Credit to Keep You Accountable for Your Spending (and Out of Debt)

Get Out of Debt by Using Cash Instead of Credit When Jenny and Kenny (the “Chargers”) came to speak to me the first time, there were raised voices and accusations. The Chargers recognized their spending had become out of control, but each felt the other was to blame. Using cash instead of credit was something […]


identity stolen by family members

Can You Avoid Having Your Identity Stolen by Family?

Having Your Identity Stolen by Family Hurts Worse Raphael’s Story Raphael was distraught and confused to learn that his son, Raphael Jr., had unknowingly and quite fraudulently signed his dad’s name to his own student loans several years back. Dad only found out about the forgery when he was denied credit and learned that Junior’s […]


picking up the tab

Picking up the Tab Can Stress Your Budget- and Your Relationships

How much is dinner out costing you? As we were heading out from a restaurant dinner party last week, my friend, Ann, leaned over and griped to me about the group decision to split the check evenly. While grumbling about how “This always happens to me,” Ann noted who’d had cocktails and who’d ordered the market […]


most expensive refrigerator

The Most Expensive Refrigerator Does a Lot- to Your WALLET

The Needs vs. The WANTS I try very hard to be a minimalist. First, because I like to practice what I preach; and second, because leaving a colossal carbon footprint negates the simplicity I try to reflect in my lifestyle. Don’t get me wrong, I like to have nice things, take vacations and treat myself […]


driving expenses

Driving Expenses Can Really Add Up, Do You Have a “Bumper-to-Bumper Reserve”?

You know that sickening feeling you get when you are happily driving along and a light on your dashboard pops up, indicating the need for some immediate repair? Or worse yet, when the lights that pop up are those of a police car stopping you for a known (or oftentimes unknown) motorist violation? You may […]


swimming in financial debt

How to Stay Afloat When You’re Swimming in Financial Debt

Vanessa and David were swimming in financial debt. They bought real estate at the height of the market and were in over their heads. They owed credit card debt to numerous banks, had significant student loan debt, monthly daycare costs for their 2-year-old twins and owed a $20,000 personal loan to David’s parents (currently paying […]


car accident information

Having Car Accident Information Beforehand May Help Your Headache After

Who’s at Fault? The Money Will Speak for Itself It’s really scary to be involved in a car accident. Having all your necessary car accident information ready to go before such an event occurs will help guide you and may provide some peace of mind amid the turmoil. The story I’ll present here will highlight […]


Giving Charitable Donations

Are You Giving Charitable Donations or Caving to Scary, High Pressure “Help”?

Giving Charitable Donations is One Thing… Debby lives paycheck to paycheck, always struggling to make ends meet, although she does believe in giving charitable donations and helping others where she can. After a long day at work, on a windy, rainy evening last week, Debby needed gas. Rather than pop into the gas station right […]


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