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…
For many of us, our smartphone is the greatest productivity tool we’ve ever owned. Apps like Todoist, Evernote, and Dropbox make it easier than ever to plan, stay organized, and keep track of our lives. At the same time, our cell phone can be one of our greatest enemies. An interruption from a cell phone […]
It seems like every day you get a new credit card application in the mail. One promises 10% cash back on Amazon purchases. Another promises free airline miles. And yet another offers you rewards from your favorite department store every time you make a purchase. You begin thinking — if you make every purchase on a cash […]
Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything […]
We live in a society where instant gratification is a state of mind, a way of life. And, we have incredible debts as a result. Debts that weigh heavy on our shoulders. As I remember conversations I have had with my Grandma, I noticed my way of looking at money is very different than how […]
I’ve been trying to cut the cable cord for years. If it were up to me, I’d be satisfied with Netflix and Amazon Prime. But I’m married, and I have kids. And my husband and son are both sports fanatics. A few years ago, we cut out cable as an experiment for one year. After […]
It’s unfortunate that so many people don’t consider life insurance to be very important. They’re much more concerned with health insurance and auto insurance, since the need for such coverages is usually more immediate. Life insurance doesn’t seem important until it becomes necessary, and then it becomes critical! That’s because you can’t buy life […]
Dissension in marriage is often caused by conflicting financial priorities. So if you want to experience greater harmony and unity in your marriage, you won’t go wrong by finding ways to create greater harmony and unity in your finances.
Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]
This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.
Christians have a dilemma. We are told to help the needy and we are also told to be wise. The challenge is to do both simultaneously. Is it possible that our “help” isn’t actually helping? Could we be enabling instead? How do we know the difference? What are some guidelines? First, some definitions: Helping is doing something…
I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!
You feel the familiar ache of worry in the pit of your stomach. Something isn’t right with Fido. He’s lethargic and not acting like himself. Is it something major? Fido is a part of the family. You can’t bear to see him hurting. In your heart of hearts you know it’s time to take him […]
Life is so stressful and I’m always looking for ways to minimize the stress in my life. One of the ways stress can be reduced is to simply make life easier. But, how? We would all love to find ways to make our life easier, right? What if I said that there are some AMAZING “life […]
College is expensive. There’s no denying it. According to The Institute for College Access & Success, 69% of students graduating from public and non-profit colleges in 2014 had some form of student loan debt. The average amount? $28,950. That’s a sobering thought. Paying off that kind of debt isn’t easy, but it is possible. And what […]
These are some simple ways to become poor… 1. Spend more than you make – Actually if you only do #1, you won’t have to worry about the other 9. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.
The average student owes $35,051. If you owe student loan debt in this range or higher, you may be wasting money by not refinancing. Whether or not you can benefit by refinancing your student loans will depend upon the interest rate that you are paying on your current loans. Private source student loans usually carry […]
Buying a used car is definitely the best way to get the most car for your money. Used cars depreciate much more slowly than new cars. However, purchasing a used car can be stressful. Did the previous owners take care of the car? Has it been in a wreck? Are there any recalls on the […]
When it comes to the wealthy, there’s often a belief that they’re rich because they were born into money. While that’s certainly true for many, it isn’t the case across the board. Many of the wealthy have had to work their way up to being rich and to do so they’ve had to adopt a different set of habits from most other people.