Should You Use Your Emergency Savings to Pay Off Debt?

Emergency Fund Broken

This past year our family experienced more medical expenses than planned. Nevertheless, we made it through the year just fine. I was thankful we didn’t end up accumulating any credit card debt. I know that can’t be the case for everyone . . . so should you use your emergency fund to pay off debt?

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8 Ways to Make Business Trips Fun and Productive

Business Airplane

Personally, I’m not a big fan of business trips. It’s okay every once in a while, but I find myself out of routine and I definitely miss my wife and kids. But duty calls every now and then and it’s part of my job. Overall, I prefer to take a positive outlook on business trips, so here’s a list of things you can do to get some fun and productivity out of your next business trip!

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4 Ideas to Boost Your Income in 2013

I’ve volunteered my time as a financial coach quite a bit and one of the biggest problems I see people experience, aside from debt, is not having enough income. If this is you, have some hope, because there are some ways in which you can boost your income this next year. Keep in mind, you just have to be willing to invest some time and effort to do so.

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How Do You Keep Productivity Tools from Backfiring?

Productive Gears

Too much tooling around can cause us to be unproductive. In other words, we have to stop organizing and using tools and just get to work! Productivity tools should be simple to use and they shouldn’t require more time to manage than the work itself.

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3 Ways to Recharge and Take Your Career to the Next Level


If you’re stuck in a job or career rut, it doesn’t have to be that way. A job you once found exciting can easily get mundane and boring, especially if you’ve been in the position 3 – 5 years. Sure, you could be challenged, but can still be bored. Have you ever felt that way? I have, but I’ve found some ways to work myself out of it and truly appreciate the career and work in front of me again. Consider these three ways to recharge your batteries and take your career to the next level.

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Washing Your Own Car: Advantages and Disadvantages

Growing up I remember my dad out in the driveway on the weekends washing and vacuuming the family cars. His car washing supplies included a bucket of water and soap (dish washing detergent), old bath towels, the garden hose and nozzle and his trusty shop vac.

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6 Reasons to Mow Your Own Lawn this Summer

I consider myself to generally be a wise spender and frugal with my money. As a father of two young children and the sole provider of income for our family, I’ve learned we have to make the best use of the money I earn.

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5 Tips for Spring Cleaning Your Finances

Spring time is upon us and many people are enjoying warmer weather. The change in the weather often prompts us to prepare for the new season. All new sets of chores and tasks emerge to get our house in order which might include cleaning out the garage, doing yard work, or even organizing and cleaning out closets inside the house.

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Saving Money by Fixing Versus Replacing

How often do you consider fixing before replacing? If you’re a home owner, you know there is always something that needs to be done or fixed around the house. Something always needs attention. In our busy lives the after thought is do – it yourself or fix over replace. I think you have to be thoughtful to save extra money versus defaulting to the idea of spending money to fix problems.

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How to be Fashionable on a Budget

So, if you enjoy being fashionable, but don’t have the cash, how can you wear the latest styles? I’m certainly not a fashion expert, but I think you can dress well and not spend a lot of money doing it. After all, the key to dressing fashionable doesn’t doesn’t have to be about the brands you buy, rather, it’s more about how you shop. Try these tips on for size!

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Envelope Budgeting: A Closer Look

Let’s take a closer look at envelope budgeting and a few odds and ends of when it works best and when it might be more challenging to use . . .

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9 Tips for Managing Medical Debt

It’s not uncommon to hear a story about medical related debt. There are a lot of articles about going into credit card debt because of poor spending decisions, but many people accidentally find themselves in a pile of debt because of surprise medical expenses . . .

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Stick With What You Know and Become a Better Money Manager

Especially, when it comes to managing your finances. Before you invest money you need to know exactly what you’re investing in. In other words, stick with what you know and you won’t be sorry…

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5 Ways to Destroy Your Budget

destroy your budget

There are a lot of great articles out there on how to create a budget. Most people who are facing financial challenges with debt, impulse spending, etc. look to have a plan or a budget when things start running out of their control. They reason a plan is what it will take them to reset and head in the right direction…

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