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 [...]

You Tell Me: The Best Financial Advice

The best financial advice I’ve received didn’t come from personal finance books. It came from my 7th grade history teacher and the Bible. It’s Friday, and I’ve come down with a terrible cold. Since I’m not [...]

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, [...]

The Best Budgeting Tools and Software

Sometimes the best tools are the simplest ones. To effectively keep a budget, you need the right tools. And there are many tools out there to choose from. Ranging from free to hundreds of dollars, it’s [...]

How to Budget with a Variable Income

It can be difficult to know how to budget with an irregular income. Budgeting with a variable income is a problem that many people have, and I don’t think it’s covered adequately in most personal finance [...]

How to Make a Budget Plan that Works

Last week I told you about the evolution of my budget. In the past I’ve tried to follow a budget, only to fail time and time again. But I’ve learned from my mistakes. Today I’m going [...]

Do You Have a Fully Funded Emergency Fund?

Don’t touch your emergency fund, unless you are truly having an emergency! The third step in Dave Ramsey’s plan for getting your financial life in shape is a fully funded emergency fund. The definition of a [...]

The Evolution of My Budget

Making your first budget (or your second or third) can be frustrating. Earlier this week I told you about the moment, or rather process, when I realized I needed to change my financial situation. Making a [...]

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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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