If you’ve ever heard of Dave Ramsey, you’ve no doubt heard the term “gazelle intensity“. Gazelle intensity is the term Dave uses to describe the intensity with which one should pay off their credit cards. Basically it means do whatever it takes to pay off your debt. Sometimes that can mean a second job. Selling … Read moreIs There a Downside to Gazelle Intensity?
When I started college 15 years ago, cell phones were the province of rich business men. They were also huge. Now, a cell phone can easily fit in your pocket. And nearly everyone has a cell phone. The 10-year-old kid down the street has an iPhone. I don’t even have an iPhone (yet). What does … Read moreWhen Should a Child Get a Cell Phone?
Almost everyone I know has a cell phone. And many of them are paying quite a bit for these cell phones. However, they could be saving money if they decided to get a prepaid phone, instead of signing a contract and paying a monthly fee (and possibly being charged for overages). My husband and I … Read moreWhen to Switch to a Prepaid Cellphone
Is your lifestyle flexible? If you needed to make changes, would you be able to? Many of us underrate the idea of flexibility in lifestyle. But when you really stop to think about it, it becomes clear that flexibility really is a big deal. How Much Flexibility Do You Have in Your Finances? One of … Read moreHow Flexible is Your Lifestyle?
One of the sad realities of modern living is that we live in a consumer society where almost everything is disposable. Unfortunately, this can lead to spending more money over time. If you want to get more value for your money, and live better, consider reducing your waste. Buy Less One of the best ways … Read moreWant to Save Money? Reduce Your Waste
One of the things that I’ve been striving to do is to create a lifestyle that I can enjoy with my family. While it takes time to get to the point where you are reasonably happy with your lifestyle, it’s worth making that a goal. Many of us, when we look at our lives, wonder … Read moreWhat Lifestyle Would Make You Happy?
When one thinks of frugality, it is common to assume that the entire point is to pay as little as possible. Therefore, the idea of paying extra seems counterintuitive. However, there are times when it makes sense to pay a little more. In some cases, paying extra can actually save you money over time. Paying … Read moreWhat Would You Pay Extra For?
Too often, we get caught up in setting goals that are rather cliche. Lose weight. Save more money. It’s easy to make those kinds of New Year’s resolutions — and then break them. Not only are those goals rather broad and hard to accomplish without mini-goals to help keep you on track, but they are … Read moreSetting New Year’s Resolutions That Matter
Chances are that you are making your gift list and preparing to make purchases for your friends and family. Giving can help you feel good, no matter the circumstance. But there are some places you can buy gifts and feel extra warm and fuzzy about what you are doing. Before you decide on your gift … Read moreHoliday Gifts for a Cause: Feel Extra Good about Giving
I am a firm believer that money is a means to an end, and not an end itself. I came to this conclusion after years of feeling guilty whenever I spent money. Even spending money on things that I needed, with money that I had, occasionally made me feel guilty. However, there isn’t much point … Read moreHow to Stop Feeling Guilty about Spending Money