Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…
I am currently reading Your Money or Your Life – which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.
Last Thursday I was having a really great day. I was getting important stuff done and feeling like I was making some good progress on the day’s goals. My parents were coming into town to visit with us for a few days and the weekend was nearing. And then I got the email. As I […]
I often get asked what credit cards I recommend, or budgeting software, or how I invest. So, I decided to put it all in one place for your convenience and give you a peek inside my wallet as well! Listed from left to right: My Saddleback wallet – love that thing A well-worn photo of […]
25 ways to save money by not doing what “normal” people do. A lot of money can be saved by thinking “outside the box.”
I know when you read a title like “how to travel the U.S. for free” you can’t help but be suspicious. But stick with me on this – if this is new to you, you are going to like it. Over the last 5 years, we have gotten 161 hotel nights and 97 flights all […]
The simple truth is that while they cost me a lot of money early in my life in interest charges (because of my bad financial habits), at this point, they save me far more money than I could have ever imagined. This is another one of those articles that I should have written years ago, […]
Read our updated 2018 MediShare review: This Christian health insurance alternative that can saved us 30-50% off of traditional health insurance – Here are our pros and cons…
It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. Here’s what I found . . . .
I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom.
Figuring that you never have to review your insurance needs is one of the most common misconceptions about life insurance! But, if you don’t review your plan annually – or, for that matter, don’t have a financial plan – here are some guidelines to know when you should review your life insurance.
I just love finding new ways to save money. It is kind of an addiction really. 😉 And after spending years being a guinea pig with a lot of money-saving tips I created this 3-step process I used to help me save over 50% on almost all of my purchases. So today I just want […]
Tuition. Fees. Books. It all adds up! College can be ridiculously expensive, but it doesn’t have to be. Don’t accept the idea that you’re going to pay an arm and a leg for college. You can go to college for free.
Every year, J.D. Power and Associates ranks consumer satisfaction across a variety of industries and services using information gathered through surveys, and one of their most areas of expertise is the automotive world. Their list is acclaimed for its accuracy and respectability. In August 2009, they released their annual ratings of auto insurance providers determined by customer satisfaction…
A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.
Since these days so many people are looking for cheap date ideas that are actually fun, I decided to create a little list of a few…
In life, there may be times where you feel alone. Do not despair, for God is with you. At times we all need a little reminder of God’s presence and His love for us. John 3:16, arguably the most well known verse of the Bible, tells us: For God so loved the world that He […]
There are over 1.1 million public charities in the United States, and more than 55,000 new ones were launched in the year 2011, according to the IRS. All of these organizations purport to do good work and make a difference, so how do you decide which ones are the best charities to donate to?
Christmas is around the corner, and with Black Friday behind us you might need to up your game if you’re not done with your list. But before you rush to the store or add something to your cart online, now’s the perfect time to think about some of the biggest mistakes that you should avoid this season.
Let’s be honest, we have all received some homemade Christmas gifts that never saw the light of day again – sometimes they are well intentioned and so we might not care that our peppermint-scented ruler holder won’t get too much use. The thought and love behind it makes up for it’s lack of usefulness…