I try to keep good financial records, especially as I prepare for the end of the year when I want to calculate my finances (earnings and expenses) for my taxes. Is it a fun process? Absolutely not. But it does pay off, at least from an organizational stand point, to keep track of everything related…
Being frugal is a lifestyle and a mindset. But, what really defines being frugal? If you ask two different people, you’re likely to get two different answers. For most, being frugal means being mindful with your money and being resourceful with what you have on hand. For some, it may mean learning to live with…
Budgeting is not an easy topic but one that many deal with or face. Why do we fear budgeting? For some, it’s a matter of sacrifice and learning to live with less. This prospect may scare us. For others, it may be coming to terms with our financial reality. For example, when we carry a…
By now, I’m sure we’ve all seen the commercials out there for payday loans. It’s quick, easy money when you need it. But is getting a payday loan worth it? Is it really something that you should consider when you need money? This was something that my ex and I had once discussed, before we…
I will start this off by saying that I am far from an extreme couponer. I just don’t have the patience to go through every coupon site, weekly ads, etc. But, I do like saving money so I’m willing to do as much work as possible to help with that cause. For example, I like…
Do you know what your credit score is? I’ll be honest, my credit score at one point was respectable. Then, I got in a bit of trouble with my credit cards and my credit score suffered because of it. Now I’m at the point where I’m trying to become debt free on my own and…
