Credit and Debt

How to Know if a Debt Consolidation Company is Legit

I recently received a question from Lisa. She asked, How can one be sure a debt consolidation company IS reputable? I have a friend who used two that really seemed reputable in our town. They had […]

In the Realm of Good & Bad Debt, Where Does Social Lending Stand?

I had an interesting conversation with some blogging buddies recently. We were discussing debt, and I declared, as I often do, that debt is bad. One astute friend remarked, “Then what about that ad at the […]

The Power of the Snowflake

Have you ever thought about the power of a snowflake? Imagine a single snowflake. It’s tiny, and if it lands on your warm hand, it will melt quickly. Alone, it is powerless. But when combined with […]

Make Paying Down Debt a Priority

One of the questions that many people ask themselves in times like these is this: should I pay down debt, or build my savings? This is a tough question. But many financial planning folks believe that […]

Credit Card Companies Want to Eat You Alive!

In September my husband and I transferred all of our remaining credit card debt to the Citi Home Rebate card. The card had no annual fee, no balance transfer fee, and a 0% intro APR for […]

Is Using Cash Better Than Debit Card?

I received an email from a reader the other day, asking about cash vs. debit cards, and he gave me permission to share with you all. The question was: If one were to stick to paying […]

My Credit Cards are Frozen!

No, not my accounts. The actual cards are frozen. Well, technically, they’re still freezing, since I just put them in the freezer 10 minutes ago. Yes, I’m freezing my credit cards. Why? Because it will make […]

What Little House on the Prairie Taught Me About Debt

I may be dating myself here, but I used to love the show Little House on the Prairie as a kid. Little did I know that I would learn a lot about finances and debt by […]

Finding Snowflakes to Add to Your Snowball

We’ve all heard of the debt snowball. Pay as much toward your smallest debt as you can, and when that debt is paid off, apply that payment to your next debt. It’s a great way to […]

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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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