Using Passive Income to Get Out of Debt

Using Passive Income to Get Out of Debt

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 […]

When to Switch to a Prepaid Cellphone

When to Switch to a Prepaid Cellphone

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 […]

Debt to Income Ratio: How Much Debt is Too Much?

Debt to Income Ratio: How Much Debt is Too Much?

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 […]

Tips for Lending Money to Family and Friends

Tips for Lending Money to Family and Friends

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 Right Way to Do a Debt Consolidation

The Right Way to Do a Debt Consolidation

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 […]

Why Debt Consolidation Doesn’t Work…Usually

Why Debt Consolidation Doesn’t Work…Usually

Want to know a secret about debt consolidation loans? They usually don’t work. There’s a lot of money to be made by promoting and arranging these loans, as well as the enormous hope that surrounds them, […]

Should You Go to Graduate School If You Can’t Get a Job?

Should You Go to Graduate School If You Can’t Get a Job?

Graduate schools see an upsurge in applications during recessions. This is in part from recent college graduates putting off having to throw their resume in the ring, and in part from older workers deciding a layoff […]

8 Ways to Lower Pet Care Costs

8 Ways to Lower Pet Care Costs

Having a pet can bring great joy, laughter and comfort to all around. Unfortunately, they can also mean additional, even unexpected, expenses in today’s already tough economy. According to the ASPCA, approximately 500,000 to 1,000,000 cats […]

3 Steps to Get Your Finances Moving in the Right Direction

3 Steps to Get Your Finances Moving in the Right Direction

There are three laws of motion. Today I just want you to remember Sir Isaac Newton’s First Law. From Newton’s Laws of Motion: “The first law says that an object at rest tends to stay at […]

Tax Deductible Job Expenses

Tax Deductible Job Expenses

You don’t have to own a business to deduct costs related to your job. It’s also possible, in some cases, to deduct the unreimbursed expenses you incur as part of doing your job. Realize, though, that […]

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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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