L.A. Times Money Make-Over From Our Guest Blogger.

From time to time, Delia Fernandez will author a guest post on our blog. [Disclosure:  There is no express or implied relationship or financial ties between Delia's practice and Tredway, Lumsdaine & Doyle, LLP.] In today's L.A. Time's Money Makeover, Delia is the featured financial planner.

Overspending on a six-digit income
'Frivolous' buying and generous giving put the Newlands in serious debt. Now, it's penny-pinching time.

By Kelly Barron
Special to The Times

April 15, 2007

Helen and Ray Newland don't look like big spenders. The Brea couple lives in a modest, 1,800-square-foot home built in the 1950s. Helen drives a dusty, decade-old minivan, and Ray's Hawaiian shirts have seen better days. Their two children get hand-me-down clothes from the neighbors.

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