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 […]
When it comes to long term investing, I believe that you should focus more on dividend yileds versus speculation and share price appreciation. While this might mean avoiding sexy names like Apple and Google, there is […]
Recently, someone asked about exchange-trade funds (ETFs). He was interested in what they are, as well as how they could be included in his investment portfolio. ETFs are a relatively recent development in the world of […]
The increasing cost of college tuition has many wondering if it is really possible to pay for a degree without the help of student loans. With outstanding student loan debt now surpassing credit card debt in […]
Whenever you are trying to improve your debt situation, whether you are trying to pay down credit cards or refinance your home, it can help to have a solid idea of where you stand. Being able […]
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 […]
If you want to make better financial decisions, one of the best things you can do is to take care of yourself. It’s not just about seeing a lower health insurance bill because you are in […]
There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping by now. Others have been diligently saving all year long […]
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.