The Vital Difference Between Skimping and Saving on Home Remodels

piggy-bank-tools

When you want to remodel your home, you are probably looking to save money wherever possible. Indeed, very few people start tearing down cabinetry and walls without first creating budgets and comparing costs. However, there is a very fine line between saving — a sensible endeavor to reserve resources — and skimping — the attempt at cutting corners and keeping a buck or two. Skimping during your home remodel could result in thousands of dollars of re-remodels down the line, when your inferior materials degrade and the shoddy craftsmanship starts to fall apart. If you can’t quite tell the difference […] Read more »

6 Ways to Pay Off Debt That You Might Not Have Considered Yet

cc destroy

There a lot of ways to go about eliminating debt from your life. Setting out down that path has helped thousands of people to become happier, feel freer and also put their finances in order for the long-haul. Most of these approaches have the same goal in mind, with the large majority of these steps remaining fairly obvious for those already versed in financial health. But perhaps you’re not one of those people. Maybe you don’t quite “get it” nor have you invested a large amount of time thinking about how you can reset your bank balance and start out […] Read more »

Spice Up Your Basketball Event With A Great Deal From RO*TEL at Walmart!

Rotel2

This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #JustAddRotel #CollectiveBias Are you creating a big snacking spread for the Big Tournament? Looking for ways to spice up game day and save money at the same time? #JustAddRotel is the perfect way to spice up your favorite recipes. From guacamole to pot roast sliders, adding a can of RO*TEL makes a traditional game day recipe into something extraordinary. Click this link http://cbi.as/4wqx  to print a Walmart coupon where you buy 3 cans of RO*TEL, you will get 1 can free! Hurry, this […] Read more »

Using Intermittent Spending To Stay On Budget

EOD_IntermittendSpendingPic

A body builder friend of mine recently posted a link to an article that caught my eye. The article described a diet methodology called Intermittent Fasting in which a person would consume all their food for the day in an 8 hour window followed by 16 hours of fasting. This wasn’t just some person’s half cocked idea about how people should eat, there was actually some science behind it. The thought is that eating all the food for a given day in a short period of time more closely resembled how our ancestors lived. Prehistoric man would spend the day […] Read more »

I Love You Like A Blogger Roundup – 3/20

fistpump

I’m happy to report that I successfully completed my taxes.  Submitted, approved, and paid for.  WHEW, it’s nice to have that off my back.  Now it’s time to turn my attention to saving and planning for our annual Memorial Weekend party.  This seems very appropriate given it’s the first day of Spring. Wait, what?  First day of Spring? That deserves a fist pump all on it’s own….. Posts That Make Me Fist Pump Living On Credit Cards from Live Real, Now Experience over the Event from Debt Discipline Here’s Why You’re Broke: A Sense of Entitlement from Club Thrifty How […] Read more »

Seven Things My Son Needs To Know About Having His Own Debit Card

EOD_DebitCard_pic

My son, who recently turned sixteen and got his driver’s license, also just scored his first part-time job. For the first time in his life he will have the responsibility of scheduled work shifts, but will also enjoy a biweekly paycheck. With a steady income, as well as the expenses of gasoline, car maintenance and insurance that come with driving privileges, he will be traveling new ground in financial responsibility. When he came home from the required drug test for his new job he was told that he could have his paycheck direct deposited into a bank account. My son […] Read more »

How to qualify for a secured loan

OLYMPUS DIGITAL CAMERA

Secured loans are not without their risks, but they can be more accessible and affordable than unsecured loans. Some types of secured lending, such as homeowner loans, essentially represent additional mortgage borrowing against your property’s equity and are often used to fund improvements to a home. However, many people remain unclear on the criteria for homeowner loans and other forms of secured lending. If you are considering taking out a secured loan (and have thoroughly considered all the risks), then there are a number of things you should know. What Is Secured Borrowing? Secured borrowing is a way of taking […] Read more »

Things To Consider When Naming Life Insurance Beneficiaries

beach-sun

Out of all the things that you must do when obtaining life insurance, naming your life insurance beneficiaries is one of the most important. Choosing your life insurance beneficiaries carefully can help you protect your loved ones after your death while averting issues down the road. Unfortunately, when it comes to your beneficiaries, there are a lot of things you can do wrong. The experts at InsureChance has a number of tips that can help you when it comes to naming life insurance beneficiaries. Many people make the mistake of not naming any beneficiaries when filling out the paperwork for […] Read more »

I Love You Like A Blogger Roundup – 3/13

fistpump

It doesn’t seem that long ago that I was riding my bike to clock in at my first job at a Snyder Drug.  This week my son landed his first job at a grocery store.   The store is part of a national chain, therefore puts it in the “large employer” category as far as the great state of Minnesota is concerned requiring it to pay a minimum wage of $8.00 per hour.  My son and I had talked about this previously, as he had been curious as to how much he would expect to earn once he found his first […] Read more »

Debt and Cleaning

EOD_Prudence_cleaning_pic

 Today’s post is from my friend Prudence, who hails from Prudence Debt Free.  I had the honor of having her guest post once before, and I’m very excited to have her back.  So please, give her a warm EOD Nation welcome! Should we hire house-cleaners again? A couple of weeks ago, I was talking with two colleagues about how we used to hire house-cleaners. “Do you hire cleaners?” I asked Cam. “Of course we do!” he answered. As a working couple with two small children, he and his wife found it made life manageable to have the services of a […] Read more »

Find Your Financial Forever Pace

EOD_ForeverPace_pic

The fact that the weather app on my phone said the outside temperature was in the mid thirties was reinforced by the water dripping from the roof of my house. The sun was shining, the snow was melting, and I was stretching out for my first long run outside in months. Nine miles to be exact. The first few miles are always the hardest. Even though I thoroughly stretch out before I start, it always seems to take a few miles before everything gets loosened up. During my run on Saturday it took about 4 miles, at which point something […] Read more »

I Love You Like A Blogger Roundup – 03/06

fistpump

Vonnie and I had a little getaway planned for tonight.  We were going to take the afternoon off, and head to the Minneapolis/St Paul metropolitan area and spend the afternoon together, and then go to a Nickelback/The Pretty Reckless concert tonight.  We had our bags packed, and ready to go.  I had my list of trip preparation items that needed to be done this morning ready to rock, when we found out the concert has been postponed due to a family emergency.   Bummer. I called the hotel to cancel, however their policy is that we would have had to […] Read more »

7 Awesome Ways to Accelerate Your Savings and Build Wealth

Seven Awesome Ways to Accelerate Savings and Build Wealth

Most Americans are saving very little money, if any at all.  I know my savings have been harder to come by in recent years. Over the last few years my income was cut almost in half due to several factors.  On top of that, we were also paying cash for my wife’s bachelor’s and master’s degrees. Things got pretty tight there for a while. Saving money was not an easy thing to do, but we did manage to save a little periodically even though we were under the gun financially. Now my income is now returning to a much more […] Read more »