Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!Why, who wouldn't love getting paid to buy products that they use everyday?Here's how I do it.I purchase an item that has a rebate offer (either a store or manufacturer rebate) while it is on... Read More
Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access.... Read More
I think most of us have at some point in our lives. Some how we forget to feed the little piggy. And, like most neglected "pets", your piggy bank will disappear if you don't feed it. A personal budget is important to create financial independence and setting goals for feeding... Read More
Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?...Somehow you've ended up lost in the "plastic... Read More
Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier. My son wasn't much of a challenge. Thank goodness, he's not "fashion conscious".The girls on the other hand were greatly disappointed in the new methods of clothing... Read More
Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably... Read More
Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.However, this is not a prudent way of managing your personal financial affairs.... Read More
Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task. (Before continuing, let me be clear that I do not actually recommend such activities-This... Read More
While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances,... Read More
Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.... Read More
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Debt levels are at an all time high in the... Read More
1. Don't focus on your finances.The reason most people get... Read More
I have to admit, I do it too. I complain.... Read More
Next to our physical health most of us are primarily... Read More
Doesn't it seem like the only impressive numbers we've seen... Read More
1. If you have your haircut every 3 weeks, try... Read More
It's the little things in life that make it interesting.... Read More
With interest rates being at an all-time low, I can... Read More
Whatever your reason for having a tight budget, the truth... Read More
Chapter 7The potential chapter 7 debtor should understand that a... Read More
You've analyzed your past expenses, put them into spreadsheets, loaded... Read More
It is crucial as an individual who is striving for... Read More
Our global society has had a wake up call in... Read More
People haven't always written checks to buy goods and services.... Read More
Sticking to a budget can be difficult, but with so... Read More
Today many women are struggling with debt and it's even... Read More
If You Have an Existing Account and 5 Minutes, You... Read More
If you're like most people, your personal financial records are... Read More
Has anyone been to the gas pumps lately? Soon $3... Read More
As the saying goes: "Buyer Beware". If you see ads... Read More
For months, we were trigger-swipe happy, putting our groceries, clothes,... Read More
Each of us knows how to spend money, but do... Read More
One universal of humanity, no matter who you are or... Read More
The price of gas continues to climb, and with continued... Read More
Millions of people have a checking account and many people... Read More
If you, like most people, have not seriously considered what... Read More
The Check 21 Law is the new federal law for... Read More
The first step to financial success lies in knowing your... Read More
Have you ever stopped to think about how your "mood"... Read More
If You Have an Existing Account and 5 Minutes, You... Read More
Many people spend their little income haphazardly without any planning... Read More
Frugal living is more than a lifestyle. It's a passion.... Read More
I've been sharing the following idea with people for a... Read More
Your food budget is the most flexible area of your... Read More
Have you seen the recent article on a new "green"... Read More
Investing is a subject a lot of people don't want... Read More
Recent findings from the Educational Policy Institute indicated that the... Read More
Our global society has had a wake up call in... Read More
It is crucial as an individual who is striving for... Read More
Most consumers are aware of the importance of their credit... Read More
Women have a love/hate relationship with money. Most of us... Read More
In this age of information, keeping track of your finances... Read More
Six Scholarship judges were sitting around an oval table. Forms... Read More
Developing and living by a household budget is by far... Read More
Super-mumsIt seems that the proof of maternal efforts is no... Read More
Everyone needs to maintain their lives. What I mean by... Read More
Predatory lending exists in the mortgage industry. It's typically when... Read More
Recent security breaches at several credit card companies continue to... Read More
With a traditional Investment Retirement Account (IRA) you pay taxes... Read More
ID theft is a major consumer concern, though there is... Read More
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