Contributor's Author Profile and Articles

ContributorContributors are other personal finance bloggers and frugal bloggers. We occasionally feature their work to help our community spread financial literacy and awareness.

Articles by Contributor

Using Secured Credit Cards to Rebuild Credit after Debt Issues

After suffering from debt issues, you may want to start rebuilding your credit as soon as possible. However, you are likely to find a combination of cold shoulders and vultures – some put you down, and […]

6 Frugal Archetypes: Which One Describes You the Best?

6 Frugal Archetypes: Which One Describes You the Best?

Frugal people are an interesting bunch. There are many types of frugal — each with its own, shall we say, personality quirks. Let’s have a little fun and examine a few. Can you spot the one […]

7 Secrets to Smart Shopping on the Web

7 Secrets to Smart Shopping on the Web

I’ll admit it – I’m a shopping addict. But the last place you’ll see me, if I can help it, is at a shopping mall or retail store. I’m an online shopper and greatly prefer it […]

Debt to Income Ratio: How Much Debt is Too Much?

Debt to Income Ratio: How Much Debt is Too Much?

While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as […]

The Right Way to Do a Debt Consolidation

The Right Way to Do a Debt Consolidation

The situation outlined in Why Debt Consolidation Doesn’t Work…Usually is pretty typical, but if you want to do a debt consolidation this doesn’t have to be your reality. You can make it work, but there are a […]

Why Debt Consolidation Doesn’t Work…Usually

Why Debt Consolidation Doesn’t Work…Usually

Want to know a secret about debt consolidation loans? They usually don’t work. There’s a lot of money to be made by promoting and arranging these loans, as well as the enormous hope that surrounds them, […]

8 Ways to Lower Pet Care Costs

8 Ways to Lower Pet Care Costs

Having a pet can bring great joy, laughter and comfort to all around. Unfortunately, they can also mean additional, even unexpected, expenses in today’s already tough economy. According to the ASPCA, approximately 500,000 to 1,000,000 cats […]

Why Tenants Need to Buy Renter’s Insurance

Tenants often forgo renters insurance under the assumption that either they will be covered under the landlords insurance, or that it’s really not a big deal. But even though you don’t own the building, you still […]

Why It Pays to Buy High Yield Dividend Stocks

When it comes to long term investing, I believe that you should focus more on dividend yileds versus speculation and share price appreciation. While this might mean avoiding sexy names like Apple and Google, there is […]

10 Steps Holiday Shopping Planning Guide and Checklist

10 Steps Holiday Shopping Planning Guide and Checklist

There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping by now. Others have been diligently saving all year long […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

In accordance with FTC guidelines, I state that I have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

Any references to third party products, rates, or websites are subject to change without notice. I do my best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers.

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