One of my best frugal shopping strategies is clearance shopping at Target. I almost never pay retail at Target. After only paying 25% of the original price a few times, paying full retail is just….well, not frugal. My family laughs at my adept skill at finding the best bargains at Target. They can laugh all … Read moreClearance Shopping at Target
The seasons will be changing soon, and it will be time to pack away the summer clothes and pull out the winter wardrobe. Now is the time to take inventory of what your children need and fill in the holes. What do you do if your children need clothes and you don’t have a lot … Read moreHow to Dress Your Kids Well on the Cheap
I was reading a blog post at Single Guy Money where he relates the story of a friend who was hiding money from her husband. This woman apparently has a secret checking account where she keeps money that her husband doesn’t know about. My jaw about hit the floor when I read that. Do people … Read moreDo You Keep Secrets from Your Spouse?
No, not my accounts. The actual cards are frozen. Well, technically, they’re still freezing, since I just put them in the freezer 10 minutes ago. Yes, I’m freezing my credit cards. Why? Because it will make them very hard to use, but they’ll be available in the case of an extreme (and I do mean … Read moreMy Credit Cards are Frozen!
I may be dating myself here, but I used to love the show Little House on the Prairie as a kid. Little did I know that I would learn a lot about finances and debt by watching. Here are a few of the things I picked up. 1. Do what you have to do, and … Read moreWhat Little House on the Prairie Taught Me About Debt
We’ve all heard of the debt snowball. Pay as much toward your smallest debt as you can, and when that debt is paid off, apply that payment to your next debt. It’s a great way to pay down debt as fast as you can, but what if that isn’t fast enough? It can be very … Read moreFinding Snowflakes to Add to Your Snowball
The dictionary definition of frugal is “characterized by or reflecting economy in the use of resources”. How does a person reflect economy in the use of resources? This is what it means to me. First, being frugal means prioritizing. I make wise decisions for my time and money. My priorities are reflected in my decisions … Read moreWhat Does “Being Frugal” Mean to Me?
Since I’m listing a bunch of stuff on eBay this week, I thought I’d pass along a few things I’ve learned about eBay over the years. I’ve been an eBay seller for about 4 years now, and I’ve had some successes and made some mistakes along the way. Here are some of the things I’ve … Read moreHow to Create a Successful eBay Auction Listing
My story isn’t unique. I grew up in a lower-middle class family….sometimes lower class, depending on the year. I graduated from high school with the high hopes of doing better for myself. I went away to college, and the first day I walked through the courtyard, I was hit with a credit card offer. A … Read moreMy Story
And how much should you tithe? 10%? Less? Conventional wisdom would lead one to believe that tithing while trying to repay debt is counterproductive to the goal of being debt free. If you put the money you would normally tithe toward debt repayment, you’ll be out of debt more quickly, right? Conventional wisdom, however, is … Read moreShould You Tithe When You Are in Debt?