A couple of years ago, a friend of mine made this interesting observation about his financial situation: “I’m comfortable with this level debt. I’m paying it down, but I’m not too worried about paying it down [...]
With the mortgage rates at historic low and the housing market recovering from the crash, more people are thinking about accessing home equity or buying a home. Over the past few years, lenders are starting to [...]
Getting out of credit card debt can be a long and fraustrating process. Every day, interest accumulates on the money owed and every month the bills do not seem to get much smaller. This is particularly [...]
One of the realities of our higher education system is that student loans are increasingly a part of the landscape. According to the Wall Street Journal, two-thirds of students graduate with student loan debt. And according [...]
It never fails. You set out to pay off your debts. You’re ambitious. You snowflake money toward your debts. You go gazelle, as Dave Ramsey would say. You’re successful…for a while. Then you begin to lose [...]
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 [...]
One of the things I gave up when I cut up my credit cards is credit card rewards. For me, it was well worth it, because my track history is that I haven’t always been responsible [...]
You’re two weeks away from payday, and your car breaks down. The fix is going to cost $100. The problem is, you don’t have enough money in the bank for food, much less a $100 car [...]
I was watching Dr. Phil yesterday afternoon, when he interviewed a young couple. They had become engaged, but the young lady hadn’t yet told her mother. But that’s not what jumped out at me. During the [...]
Last year my husband and I paid off our credit cards. Finally. We had dreamed about paying off our credit cards from the day we got married. Unfortunately, we didn’t have a plan at first, so [...]
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.
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