Personal Finance

What Does Financial Independence Mean to You?

I can’t wait to celebrate my Financial Independence Day! Have you ever thought about what your Financial Independence Day? The day when you are free from all debt? I know I have. I’m planning on celebrating […]

Should I Pursue My Dream Job or Not?

Today we have two questions from two readers, but they’re along the same lines. First, Faye asks, I am immigrating to the US soon, and I am contemplating on going to part-time law school at a […]

Getting Back on Track

Sometimes even the most frugal person feels like money is going out faster than it’s coming in. I’ve always been frugal. Ever since I was a little kid, I’ve always preferred to save my money instead […]

An Overview of Dave Ramsey’s 7 Baby Steps to Financial Peace

Dave Ramsey’s book The Total Money Makeover has motivated hundreds of people to get out of debt. Dave Ramsey has a solid plan that will move you toward financial freedom and over the last two weeks, […]

Why You Should Always Have a Backup Plan

What is it the Boy Scouts say? Be prepared? I made a quick shopping trip last week.  I was running multiple errands in town, and I had my 5 year old son with me.  I had […]

How to Save an Emergency Fund When Money is Tight

Last week Lee left the following comment: This is a great topic! I’ve been trying to save up an emergency fund for a while now and not getting very far. My family’s income is variable, also, […]

12 Days of Christmas – Personal Finance Style

Welcome to the 12 Days of Christmas – Personal Finance Style! Over the next two weeks, personal finance bloggers around the internet will be bringing you the 12 Days of Christmas with a financial twist! We […]

What to Do When You Lose Your Job and Income

What to Do When You Lose Your Job and Income

Well, it happened. I can’t say it was a surprise. Sales were down, and my husband was the new man on the totem pole. He lost his job yesterday. At this point we are officially without […]

Consider Carefully Before Co-signing a Lease for an Apartment

My neighbor came over this afternoon to visit for a bit, and she related to me a financial horror story. She has a daughter who is in college in California. Her daughter needed a place to […]

The Perils of 90 Days Same as Cash

You’ve heard the promos. Buy now, pay nothing until January 2008. No payments. No interest. Great deal, right? Let’s find out. I know I can pay for my item before the interest hits, so this is […]

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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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