Category Archives: Manage Your Finances

How to Save Money: Even Your Milk Money Counts

How to Save Money: Even Your Milk Money Counts

Do you find yourself saying that you don’t have enough money? Is it hard to find the pennies necessary to pay the bills? Saving money can be difficult at times for a lot of reasons. Whether it is because you are stuck in contract to lease a car or can’t stop yourself from buying the latest, greatest item, it can be hard to save money. The simple fact is that it is hard to postpone gratification when you get a “high” right now. The important principle in understanding how to save money is that every little bit helps… even your milk money.Continue Reading

Average Tuition Increase Rates: Why High Projections are WRONG

Average Tuition Increase Rates: Why High Projections are WRONG

If you being responsible and saving for your child’s education years before he/she attends college, I bet you have taken a look at the average tuition increase in order to try and estimate the amount you need to save so that your child doesn’t have sell a body part in order to pay for school. As a person who has paid 3 different schools for tuition (and recently), I know how difficult it can be to pay for the high tuition costs. While tuition costs are certainly high, it doesn’t mean that the estimates of high annual tuition increase predictions are accurate. For those trying to estimate how much college will cost in the future, you need to read this!Continue Reading

Why an Emergency Fund is More Important than Paying Off Debt

Why an Emergency Fund is More Important than Paying Off Debt

You might not know this, but building an emergency fund vs.paying off debt is a touchy subject for many finance bloggers when it comes to which is more important. Some believe that freeing yourself from debt is a critical first step to financial stability. They support their priority by arguing that by focusing on debt first, you save money in interest and get access to more money each month by paying debt off fastest. There are plenty of people who sit in the middle of the debate, but I’m neither a proponent of this priority nor a fence sitter. I strongly believe that an emergency fund should be the first priority for anyone beginning the journey of financial responsibility.Continue Reading

When are You Ready to Buy a House?

When are You Ready to Buy a House?

Buying a home is a BIG financial commitment that should not be taken lightly. As with all big decisions in life, the answer to whether you are ready to buy a home is very personal. There are a lot of factors at play and only you can answer this question. This guide will give you the information to make an informed decision. I detail the costs of home ownership (both common and hidden expenses), and also give you key benchmarks to help you make the decision.Continue Reading

Why Lease a Car: Reasons It’s Better than Buying

Why Lease a Car: Reasons It’s Better than Buying

Have you ever thought that you knew what the right financial decision was, only to be convinced the other way? Recently, a friend of mine told me of her desire to lease a car and she wanted my help. Originally, I was a skeptical, telling her that the best financial decision she could make would be to buy a used car, not lease a new car. While I still stand by my decision, I have come to realize that everyone’s situation is different. It may be easy to convince yourself that you have the best solution to a life situation for someone else, but it is much different to make it a reality.Continue Reading

Should You Use Savings To Pay Off Debt?

Should You Use Savings To Pay Off Debt?

Many times people in debt want to do everything possible to get out of debt as fast as they can. This usually leads to them wondering if they should be taking some of their savings to pay off some of their debt. Unfortunately, many times this can backfire and cause more harm than good. But in some cases, it is a smart thing to do in order to get out of debt.Continue Reading

4 Smart Ways To Pay Off Debt Fast

4 Smart Ways To Pay Off Debt Fast

If you are in debt, you probably want to get out of debt as soon as possible. If so, then this post is for you. I am going to show you 4 smart ways to help you pay off debt fast. After reading this post, you will be motivated to tackle your debt in new ways and finally rid yourself of the monthly payments and the stress.Continue Reading

How To Enjoy Your Life While Living On A Budget

How To Enjoy Your Life While Living On A Budget

Yes a budget is designed to help you reach your future goals, but you don’t have to sacrifice your happiness today in order to get there. You can easily do both. This post is going to show you how to really live on a budget, be happy now, and make progress towards your future goals.Continue Reading

Ways to Get Money with Poor Credit

Ways to Get Money with Poor Credit

Loans are looked upon as bad financial moves. However, there are times you’ll need them for personal, business, or family uses that can prove to be beneficial. In recent times, if you have good credit, you are never broke. Unfortunately, not everyone has those high credit scores lenders now want to see. If you have bad credit, there are a few alternative methods to get loans.Continue Reading