What Types Of Student Loans Are Available?

There’s much to do to get my son ready for college, including the all important question of how to pay for his education. We will be paying for as much as we can out of our pocket while attends college, but there will be some amount of student loans that will need to be taken out. As we’ve navigated the financial aid process, we’ve learned quite a bit about what kind of student loans are available. Free Application for Federal Student Aid (FAFSA) The first step in the college financial aid process is to fill out the Free Application for […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/14

One way you can tell your kids are growing up is when their spending outpaces their allowance.  My 15 year old daughter goes to the occasional movie or visits a convenience store with her friends to buy snacks, but her passion is shopping for new clothes.  No allowance within the realm of reason can fund a teenage girl’s desire for new clothes.  I was pleasantly surprised when my daughter stated she needed a job.  This shows that she understands the concept of having to work to earn the cash needed to buy the things she wants in life.  The problem […] Read more »

3 Ways To Prevent DIY Projects From Costing You Money

    Do It Yourself projects can save a person a lot of money if they’re done right.  Done incorrectly, you might just end spending as much or more money than hiring someone to do it in the first place. I found this out recently when my garbage disposal decided it was time to retire. A chunk of metal broke off my garbage disposal during normal use. A quick look below the sink gave me confidence that I could replace it myself. I picked up a replacement from a local hardware store, installed it, and made sure it worked. I […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/7

It’s been a busy summer with my son’s graduation, college orientation, a wedding anniversary, a trip to a cabin by a lake for the 4th of July, and the grand finale being my wife’s birthday yesterday.   It was a lot of fun, but with all of that behind us, I’m ready to coast for a few months.  No big events, no trips, no nothing.  Sounds like a great opportunity to go into low spending mode, enjoy some delicious food off the grill and just enjoy summer! Fist Pump for enjoying summer, AND my favorite posts of the week! Posts That […] Read more »

Are Personal Loan Predators Lurking In Your Mailbox?

I’ve been receiving a different type of credit offer in the mail as of late. I’m used to the credit card offers at this point, ripping them in half and throwing them in the trash without thinking about it. Maybe I’ve been getting this type of offer all along, it seems lately I’ve been constantly getting offers for unsecured personal loans in my mailbox. The mailings offer large sums of cash to be used for debt consolidation, home improvement, or whatever I could use funds for. After being flooded with these offers for months, I decided to just a little […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/30

It’s been a special week, as my wife and I celebrated our 21st wedding anniversary.  Time sure does fly by when you’re having fun!  The celebrating continues as next week is her birthday.  I’m confused how I have been married to a woman for 21 years who is still in her late 20’s.  LOL. Fist pump for anniversaries, birthdays, and my favorite posts of the week! Posts That Make me Fist Pump Beating the Tedious Process of Car Buying from DINKS Finance 7 Money Wasting Habits You Need to End from The Money Principle How to Help Your Kids Develop […] Read more »

Perception Will Make You Broke

  One of the biggest reasons people overspend is because they worry what other people think about the possessions a person may or may not have as well as the perceived quality of what a person does own. Or maybe they simply believe they are a better person if they have nicer things.  Many people believe their value as a person is measured by what car they drive, the size of their home or the name on the tag of their clothing.  Unfortunately, that perception will do nothing for you but make you broke. My son was giving my wife […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/23

My son used some of his graduation money to have sub-woofer put into his car this week.   He did some shopping around and actually decided to go with the more expensive option of having it done professionally over a private party.  After it was installed, an employee of the car audio place walked him through what they did, how to properly use the product, and stated if he had any questions or problems to bring the car back in and they’d take care of him.  My son looked at me and smiled with a, “Yeah, I made the right decision,” […] Read more »

Teens And Money: Using A Waiting Period Before Significant Purchases

A spending waiting period can prevent a person from throwing their money away on something they won’t get a significant amount of value from, or something they just flat out don’t need. Whether the waiting period is 24 hours or a week, the concept is the same. Before making a significant purchase, wait a period of time to really reflect upon the purchase. If after the waiting period has expired you still want the item, buy it. This same method can simply prevent a person from making a bad decision when it comes to what product to buy, or whom […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/16

This Sunday is Father’s Day, and you might be thinking of that special dad in your life.  You might even be one of those special dads.  When my wife asked me what I wanted for Father’s Day, I listed two things:  1.) Time.  I want to be allowed to take the time to smoke baby back ribs on the smoker  2.) A new tank top from Walmart that says “Smokin’ Hot Dad” on it, with the picture of smoke billowing from a smoker.  Cost: $5.    In other words I want to be able to spend time doing my favorite hobby […] Read more »

3 Ways To Protect Yourself When Returning Items Through The Mail

How much do you trust the postal system, or any package delivery service? If you’re sending something of importance to another party, how much do you trust that they will acknowledge they received it? Maybe we’re all just a little too trusting. When my wife gets a new mobile phone, she always buys a specific screen protector to protect the screen. If you’re screen doesn’t work, your phone is useless. Since screens are expensive to replace, the $40 product, which comes with a lifetime warranty, seems like a good idea. This type of screen protector does it’s job well, however […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup 6/9

Welcome to Summer Vacation!  Yesterday was the last day of school for my kids, so there’s some unapologetic sleeping in going on this morning.  This also means that our budget has to go into summer mode as well.  We need extra food around for lunches and probably some extra snacks.   After nine months of sandwiches for lunch, my daughter is sick of them, so that will also cause some changes to the grocery shopping list. It’s also time to start saving up for expenses that will be incurred when my daughter starts cheerleading in the fall! Does your budget change […] Read more »

How Much Could You Cut From Your Budget By Downsizing?

It would be easy for you to cut a massive amount of expenses from your monthly budget. That’s a shocking statement, but it holds true for a very large percentage of the population. I came to the conclusion that it was certainly true for me. At the same time, how many of us have whined and complained that we don’t have enough money? With just a couple of lifestyle downgrades, I found I could cut thousands from my monthly budget. Mortgage This would be the hardest one to execute as I’d have to sell my home and move. But disregarding […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup 6/2

Last weekend, my wife and I officially kicked off Summer with our annual Memorial Weekend Luau.  It also doubled as our son’s graduation party.  He actually graduates next weekend, and we’ll have a small get together for very close family and friends that day, but comparatively speaking it will be extremely low key.  While we do have some things ahead of us in the coming months (college orientation for our son, cheer leading for our daughter,  etc), nothing that requires a huge amount of planning, or funds.  I’m basically kicking up my feet and ready to enjoy a low stress […] Read more »