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Category: Finances

10 Tips To Stop Wasting Money on Curriculum

10 Tips To Stop Wasting Money on Curriculum

July 14, 2013

Tired of wasting money on curriculum? Read these 10 budget friendly tips to start saving today!   Are you a home educating parent, or hoping to be one? If so, you already know the standard formula for selecting curriculum. It goes something like this:   Nervous Parent + Bazillions of Options x Teensie Weensie Budget [...]

Save Money on Healthcare: Read these tips for cost effective trips to the Dr. or Dentist

Save Money on Healthcare: Read these tips for cost effective trips to the Dr. or Dentist

June 13, 2013

Save Money on Healthcare! Don’t get poked by high costs. It may not seem possible to save money on healthcare. Everything just seems to be getting more and more expensive. A simple blood test can cost as much as $100.00. Not to mention the rising cost of caring for our elderly as we enter the baby [...]

Why consolidating your bills might be the best decision you make in 2012

Why consolidating your bills might be the best decision you make in 2012

April 4, 2012

Guest Post by Brad Swain Bill consolidation, or debt consolidation, is the process of combining loans such as auto loans, mortgages, and credit cards into a single fixed-term loan. This allows you to make one monthly payment to one creditor instead of making multiple payments to many creditors. Loan consolidation can be beneficial in a [...]

credit card debt

The Truth About Credit Card Debt

September 16, 2011

Do you struggle with credit card debt? I wrote an article this week for Social Moms called Five Reasons to Cut Up Your Credit Cards Today.  I believe that one of the reasons many families get (and stay!) in debt is because of credit cards.  Credit cards make it oh-so-easy to buy things that we [...]

Should Kids Get an Allowance?

Should Kids Get an Allowance?

August 29, 2011

Should kids get an allowance?  Some parents say yes, kids should get an allowance, and some say no.  I started thinking about this topic after writing an article for Social Moms, 8 Things Every Parent Should Teach Their Children About Money.  While each family has to make the best decision that works for them, in [...]

My Journey with Medical Debt

My Journey with Medical Debt

August 24, 2011

Do you ever get the feeling that you’ll never get out of debt?  That you’ll never get ahead?  I am there now and it is due to our medical bills.  It  has been one thing after another with us, and the day we get these medical bills paid off, I am inviting all of you [...]

How to Build an Emergency Cash Fund

How to Build an Emergency Cash Fund

August 22, 2011

Do you have an emergency cash fund?  I’m not talking about $50.00 in your sock drawer you can use to order pizza when you don’t have anything to cook, or a $20 bill that you’ve tucked away in the glove compartment in case you need gas. I’m talking about a real emergency fund – the [...]

How to Get Out of the Debt Cycle

How to Get Out of the Debt Cycle

August 13, 2011

It’s a scenario all too many of us are familiar with: getting into debt, and spending each month trying in vain to pay it off. And once you’re in that cycle, it can be very hard to get out. Some people end up in a debt cycle without even realizing. Do you nearly always end the [...]

Saving for College: Luxury or Need?

Saving for College: Luxury or Need?

August 12, 2011

Saving for college is an investment for success for your child’s future. Even single mothers should start a plan for a college fund as early as possible to afford the basics in college education. The U.S. Census Bureau reports that the average college graduate will earn about $1 million more than high school graduates over [...]

How to Handle Excessive Debt

How to Handle Excessive Debt

October 13, 2010

Excessive debt is something many people are faced with today.  It is scary, overwhelming, and can keep you awake at night with worry.  And while it is tempting to hide your head in the sand and ignore your debt, that does nothing to solve your problem. 1.  The first step in handling excessive debt is [...]

Tax Free Shopping

Tax Free Shopping

August 4, 2010

Tax free weekends are a great time to save money.  Not all states offer tax free shopping weekends, but for the ones that do, plan your purchases and save a lot of money!  And if you missed a tax free weekend in your state, mark your calendar for next year. According to the Federation of [...]

What to Consider Before Filing Bankruptcy

What to Consider Before Filing Bankruptcy

May 27, 2010

Do you think of bankruptcy as an easy way to offload a crushing debt burden? Sometimes it’s the first method people will reach for since it does relieve the burden, but it’s far from easy and should be the very last thing you use to do so.  The law has made it fairly easy to [...]

Credit Reports:  What They Mean to You

Credit Reports: What They Mean to You

May 27, 2010

Does the thought of looking at your credit report fill you with dread? This is often the case for people struggling in turbulent financial waters. But reality is never your enemy, even when it is unpleasant. In order to promote financial health, and resolve any debt problems you may have, it’s essential to have the [...]

How to Lower Your Property Tax Bill

How to Lower Your Property Tax Bill

May 15, 2010

When looking for ways to cut your household expenses, consider appealing your property taxes. According to the National Taxpayers Union, “…between 30 and 60 percent of taxable property in the United States is over-assessed, and this leads to higher property tax bills. Middle- and lower-income taxpayers are among the most often over-assessed.” How to Appeal [...]

Debt Snowball Method

Debt Snowball Method

November 17, 2009

Have you struggled with getting rid of your debt?  Maybe you have high credit card bills, medical bills, car payments and the like.  And it seems no matter how many payments you make, you never get seem to get rid of them.  Many of us are either there, or have been there, and it is [...]

Total Money Makeover

Total Money Makeover

December 3, 2008

One night while trying to fall asleep, something disturbing popped into my mind – my oldest son is 14 and he’ll be going to college in a short 4 years…and we are not ready to take on the cost of college. There’s more. Three years after he enters college, I will have 3 more sons [...]

No Phishing!

No Phishing!

November 18, 2008

Yesterday I received a phishing email, and it reminded me of how eager some people are to steal our identity. Now granted this wasn’t a very convincing email, but it was still a mean person trying to trick me into giving up confidential information. In this case it was my Paypal login. The Phishing Email [...]

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