Kevin Mulligan's Author Profile and Articles

Kevin MulliganKevin Mulligan is a debt reduction champion with a passion for teaching people how to budget and stay out of debt. He's building a personal finance freelance writing career and has written for RothIRA.com, Discover Bank, and many others.

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Articles by Kevin Mulligan

Handling the Emotions of Helping Your Parents

Handling the Emotions of Helping Your Parents

There’s a great Friends episode where Joey’s Dad is having an affair and his Mom knows about it. Joey gets really upset and thinks his Dad should end the affair and be reconciled to his wife. […]

How to Set Up a Joint Bank Account

How to Set Up a Joint Bank Account

If you are married or about to be married an important question will eventually pop up: should we combine our finances? There are many different factors to consider, but if you do decide to combine some […]

6 Reasons Not to Apply for a Store Credit Card

6 Reasons Not to Apply for a Store Credit Card

We have all experienced the uncomfortable situation of being offered a store credit card when we’re shopping. Whether you are buying groceries, consumer electronics, or some new home decorations, the clerk at the register will stop […]

Should You Choose an Adjustable Rate Mortgage?

Should You Choose an Adjustable Rate Mortgage?

When it comes to fixed rate and adjustable rate (ARM) mortgages the standard personal finance advice is to always get a fixed rate mortgage. Most people opt for a 30-year fixed rate mortgage, but a 15-year […]

5 Important Insurance Policies Everyone Should Have

5 Important Insurance Policies Everyone Should Have

With the many types of insurance policies available it can be difficult to figure out what the most important insurance policies to have really are. You can over-insure yourself, so what should you really focus your […]

When is the Right Time to Refinance Your Home?

When is the Right Time to Refinance Your Home?

With the Federal Reserve doing everything it can to keep interest rates low in the United States, mortgage rates have reached historic lows week after week. If you are a current homeowner the dropping rates could […]

A Little Lifestyle Inflation is Okay…You’ve Earned It

A Little Lifestyle Inflation is Okay…You’ve Earned It

Most of the financial advice you will ever read talk abouts cutting costs to get your spending back in line with what your income is. If you find yourself in debt, you do need to cut back […]

Is It Worth It to Build a Green Home?

Is It Worth It to Build a Green Home?

I’m a dreamer with a big imagination and a disdain for high utility costs. Over the past several years I’ve kept a lot of green or environmental design websites bookmarked. I visit them regularly, check on […]

When to Stop Tithing

You’ve saved diligently and always spent less than you earn. You’ve lived your life on a budget and have a healthy emergency fund. Then the economic troubles we are all facing start to catch up to […]



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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