Can You Use Expired Kohls Cash?


My wife and I drove to Kohls on Black Friday to look for some long sleeved shirts for our son. He needed a winter wardrobe refresh (darn teenagers grow like weeds) and the shirts were advertised at 75% off. We made sure we had the coupon we got in the mail for an additional 15% off, as well as a $20 Kohls Cash coupon we had received a few weeks ago from buying a new Keurig coffee maker. On our drive to Kohls, my wife noticed that the Kohls Cash had expired. My wife shook her head in disbelief. This […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 11/28


Welcome to a special Saturday edition of Fist Pump Friday!  Alright, so I admit that the Thanksgiving holiday threw my schedule for for a loop and thus I’m a day late with my usual fist pumping. I also have a confession to make:  I went shopping on Black Friday.  Not the crazy, stand in line for hours to buy a low quality, cheap TV kind of shopping.  There were a handful of things that we found in the ads that were good deals that we wanted so Vonnie and I went around to a small number of stores looking for […] Read more »

5 Ways to Save Money While Paying Off Student Loans

baby steps

If you are paying off your student loans and trying to save money for your future, you may feel burdened and you may think it is impossible to do. While it does seem this way, there are ways that you can do both without sacrificing too much of the things you love the most. Below, we will go over some ideas and ways to help you both continue making your student loan payments and save for the future. 1. Make Yourself a Budget If you do not know what you owe and when you owe it, how can you pay […] Read more »

Avoid debt: try these tips

Debt avoid

Debt, debt and more debt – unless you’re a Gordon Gecko kinda guy, it’s about the only thing you’ll ever see on your bank statements. We’re all in the same boat when it comes to needing cash. When we get paid more, our spending rises and the debt invariably increases. And for some the situation can push you dangerously close to full-scale bankruptcy. In these austerity-laden, Tory-led times, financial security feels about as likely as flying a manned rocket to Pluto. But it doesn’t have to be this way. With a few tips you could turn the state of your […] Read more »

10 Forex Money Management Tips That Will Turn You Into A Master Trader

Forex trading

Can you consistently make money trading Forex? How can you be different from the hordes of others who have failed? Yes, Forex trading is risky, but there are ways that you can ensure you’re not just another number. Some simple Forex money management tips will get you well on your way, so that you can get started with Admiral Markets, but first there are some overarching principles we must address. Financial health Your financial health needs to be strong from the start. If you’re trying to use Forex trading to turn around a string of financial failures, you’re just setting […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 11/20


Next week is Thanksgiving (Whoohoo!), and then comes the official  beginning of the holiday shopping season.  I choose not to participate in Black Friday.  The last couple of years I wouldn’t have even if I wanted to – I just couldn’t find anything in the ads that were worth my time and energy.  BUT, I know a lot of people do partake in Black Friday shopping in almost traditional like manner.  If you do, do your research and be armed with price and value comparisons to make sure you get the most for your money.  Our friends over at The […] Read more »

The Dangers Of Swiping A Card


If you’re a regular reader here on Enemy Of Debt, you know that I’m a firm believer that cash is king. I’d much rather throw down some greenbacks than swipe a card. Every reason that I love paying for things with cash was reinforced by a situation with my daughter that occurred over the weekend. As I waded through my email, I noticed three email receipts from Apple for purchases made through iTunes. I hadn’t made any purchases during the week, so I was interested to see what had been bought, and by who. The agreement with my kids is […] Read more »

Property Investing: Finding the Right Help to Get You Started Right

houses Tim

Successfully investing in real estate is a tricky undertaking. There is a lot more to it than finding a house you like. While we don’t have room to discuss every last detail here, we’d like to go over the most important factors to keep in mind. Consider these five resources before you start to search for your first property and your overall chances of success will skyrocket. 1. Find the Right Financing Few people have the money it takes to invest in real estate upfront. The vast majority of investors need to use lender financing in some shape or form. […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 11/13


My wife is hosting a “Ladies Night In” this weekend at our home.  There will be wine, there’s a person coming in to lead the group in a painting activity, and there will be food catered.  Ok, so caterer is me, but it sounds good doesn’t it?  I get to fire up the smoker and make brisket sliders.  Vonnie asked me yesterday if we wanted to simplify things and just buy pre-made brisket from Costco. “We will not serve imitation brisket,” was my response. In addition to the fact that using my smoker is one of my favorite activities, pre-made […] Read more »

From Dream to Reality: Making the Homeownership Decision


If you’ve been renting your home, and dealing with uncooperative landlords, rental inflation, yearly moves and homes that aren’t the way you want them, the idea of homeownership can appear hugely tempting. Should you go ahead and buy? Lifelong renters often point to the fact that home ownership isn’t considered a good investment — property values do not rise reliably, and it’s never a good idea to put nearly all your wealth in a single investment destination. If such reasons have dissuaded you from home ownership in the past, it’s important to see the rub in all of this. While […] Read more »

7 Tips to Buy an Affordable Laptop


Buying a new laptop doesn’t have to break the bank. With modern PC manufacturers looking to offer the highest quality features at reasonable prices, it’s easier than ever to find the notebook that meets your specifications without resorting to costly financing. Here are a few tips to keep in mind when shopping for the best deals: 1. Don’t Skimp on Memory While it’s possible to buy extra sticks of RAM to add to a laptop designed with a free slot, memory isn’t something you want to compromise on. Any decent laptop should have at least 4GB of RAM, so never […] Read more »

Could black box car finance help those with bad credit?


For those with a bad credit rating, buying a new car can be difficult. If you have missed payments in the past, many lenders will be wary of offering you finance. Not having access to a car can be very inconvenient if you need a car to travel to work, pick up the kids and do the weekly shop. In some cases, not having a car can prevent workers from getting a higher paid job that would contribute to improving their financial situation, and some people would lose their job if they were unable to buy a new car. If […] Read more »