With the Federal Reserve doing everything it can to keep interest rates low in the United States, mortgage rates have reached historic lows week after week. If you are a current homeowner the dropping rates could [...]
With my parents nearing retirement — and my husband and I starting to really put our retirement savings in gear — I have spent a great deal of time lately thinking about where to retire. While [...]
When it comes to money, it is important to make sure you are doing what you can to make sure your money is working for you. However, it seems as though there are plenty of pitfalls [...]
Many stay at home parents are interested in earning a little extra money from home. While you can start your own business, that can involve a great deal of effort and work. If you are look [...]
It is vital that you look for sources of waste in your budget. The less wasteful spending the more financially efficient you become. Some experts estimate that the average household wastes between 10% and 15% of [...]
Do you carry any debt? If you are like most people, then you probably have an account somewhere that you are working hard to pay off. Maybe it is that pesky credit card payment that doesn’t [...]
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 [...]
While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as [...]
Mixing money and family typically is not an advisable financial move. All too often personal feelings get tangled up in a web of financial burdens and it can be a very unpleasant and potentially long-term bad [...]
The situation outlined in Why Debt Consolidation Doesn’t Work…Usually is pretty typical, but if you want to do a debt consolidation this doesn’t have to be your reality. You can make it work, but there are a [...]
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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