Is There a Downside to Gazelle Intensity?

If you’ve ever heard of Dave Ramsey, you’ve no doubt heard the term “gazelle intensity“. Gazelle intensity is the term Dave uses to describe the intensity with which one should pay off their credit cards. Basically […]

Credit Card Companies Want to Eat You Alive!

In September my husband and I transferred all of our remaining credit card debt to the Citi Home Rebate card. The card had no annual fee, no balance transfer fee, and a 0% intro APR for […]

I’m in the Black!

I’ve never tracked my net worth before. And since my mom just sent out a Christmas letter telling all of our relatives about this blog, you won’t be seeing any specific numbers here today. :) What […]

Mvelopes Review

This is the third post in a series of financial software reviews. I reviewed Mint yesterday, and today, I will tackle Mvelopes. With the slogan “The Simple, Smarter Budgeting System”, Mvelopes gives itself a lot to […]

12 Easy Things to Cut the Fat Out of Your Budget

On the twelfth day of Christmas, my true love gave to me….12 Frugal Things… When you want to save money or pay extra toward your debt, sometimes it’s easy to think about big ways to save […]

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, […]

Things I Wish I Knew When I Was 18

Do you ever look back and wonder, “What if I had known this when I was 18?” I know I do. It’s not that I live in the past and berate myself for mistakes that I’ve […]

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 […]

Unemployment, Tithing, and God’s Provision

It’s been a month and a half since my husband lost his job. He’s worked a few different part time jobs, done a little freelance work, and is still currently looking for a nice full time […]

5 Free Frugality Forums

5 Free Frugality Forums

Reading frugality blogs is great for developing overall strategies in living a frugal lifestyle. And I highly encourage you to keep reading. There are times, however, when you’re searching for a deal on a particular item, […]

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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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