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Many people think credit card consolidation is a negative thing and people should always avoid it. However, the actual story is different. Credit card consolidation can practically hurt or improve your credit score. But it’ll depend on how to consolidate credit card debt on your own and how you would manage your finances after that. http://www.consolidatecreditcard.org/ … Read more
When it comes to making positive changes in your life, there really is only three ways that it gets done. Those three ways are Motivation, Dedication, or Desperation. It doesn’t matter what kind of life you lead. It could be a good life where you cruise right through it without a care in the world, … Read more
I have been pretty proud of myself for tracking of our expenses. Although I have come to realize that it’s time to step up and lay down the budgeting law. I hope it’s not too late…. Up until recently, I have not known how much we were spending and to where. For that matter, and … Read more
While I’m sure there a ton more, here my favorite 12 Ways to Save Grocery Expenses. We hate grocery shopping. It is one of those repetitive things that must be done in life and every time you feel that you are finally done, you need more food. I don’t know if it’s the hustle and … Read more
Your kids are spoiled. Admit it. You may not see any negative indications of their spoiled-ness (my word, Hands Off!), but it affects them for the rest of their lives. It’s your fault. You’re not alone. We want our kids to have it better and easier than we did when we were growing up. It’s … Read more
Financial literacy is having the knowledge necessary to manage personal finances efficiently. Financially literate people know how to achieve long-term goals and make healthy financial decisions. On the other hand, those who are not financially literate have difficulty applying financial decision-making skills to real-life situations. Not only do they tend to make unhealthy money decisions … Read more
Window shopping new houses isn’t as crazy as you think when you’re in debt. I have posted about renting versus owning before. In that, I listed some of the reasons that renting when you are trying to get your finances in order may actually be better than owning. Not that I’m saying you need to … Read more
So you have created your budget. You have logged all of your purchases and expenditures and although you are pretty proud of yourself, you just haven’t seemed to move forward at all financially. You have even paid attention to the little things. So what the hell am I missing, says you. Could it be, Sacrifice? … Read more
We don’t seem to be getting a handle on this budget thing. A lot of that is because my family is not on board with it yet. A lot of that is because I haven’t pushed it hard enough, and still a lot of that is because we have had some really weird money expenditures … Read more
The one thing that a budget does is to bring consistency to even the most inconsistent months. It changes nothing in and of itself but instead it acts like a solid foundation even when things seem to be as wild as they can get. And that, is the thing that makes going into the next … Read more