Rent-to-Own vs. Saving Up to Buy Things

Rent-to-Own vs. Saving Up to Buy Things

A while back, we were in need of an extra bed to accommodate a couple of guests. We’re not quite ready to buy another bed, so we decided to rent one. My husband called the rent-to-own […]

6 Reasons Not to Apply for a Store Credit Card

6 Reasons Not to Apply for a Store Credit Card

We have all experienced the uncomfortable situation of being offered a store credit card when we’re shopping. Whether you are buying groceries, consumer electronics, or some new home decorations, the clerk at the register will stop […]

6 Frugal Archetypes: Which One Describes You the Best?

6 Frugal Archetypes: Which One Describes You the Best?

Frugal people are an interesting bunch. There are many types of frugal — each with its own, shall we say, personality quirks. Let’s have a little fun and examine a few. Can you spot the one […]

4 Things You Can Pay Less for with Comparison Shopping

4 Things You Can Pay Less for with Comparison Shopping

Whenever you are shopping for services that do not have fixed pricing it’s always a good idea to do some comparison before choosing your service provider. Be careful to compare similar services to get an accurate […]

5 Things That are Killing Your Budget

5 Things That are Killing Your Budget

Many people that create a budget have a difficult time sticking to it for one reason — incidental expenses. Although incidental expenses are only a small fraction of your expenses, they can have a really big […]

7 Secrets to Smart Shopping on the Web

7 Secrets to Smart Shopping on the Web

I’ll admit it – I’m a shopping addict. But the last place you’ll see me, if I can help it, is at a shopping mall or retail store. I’m an online shopper and greatly prefer it […]

Tips for Finding Estate Sale Bargains

Tips for Finding Estate Sale Bargains

Estate sales are a step-up from yard sales or garage sales. Instead of selling items people no longer want, they are trying to sell a house full of possessions people actually owned and used. They are […]

Should You Choose an Adjustable Rate Mortgage?

Should You Choose an Adjustable Rate Mortgage?

When it comes to fixed rate and adjustable rate (ARM) mortgages the standard personal finance advice is to always get a fixed rate mortgage. Most people opt for a 30-year fixed rate mortgage, but a 15-year […]

5 Ways to Green Your Home and Save Money

5 Ways to Green Your Home and Save Money

Many of us are looking for ways to save money, as well as be greener in our habits. Luckily, more sustainable living and saving money often go hand in hand. Indeed, many of the things that […]

4 Easy Lifestyle Habits That Lead to Financial Freedom

4 Easy Lifestyle Habits That Lead to Financial Freedom

Sometimes when we think about saving money and financial freedom, we think about getting good deals on what we buy and making wise investments. However, saving money and building wealth isn’t just about the bargains we […]

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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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