Tips for Staying Out of Debt in 2015

Today, more people are wary of applying for and using credit cards because of the horror stories our parents and grandparents have witnessed when using them. You may have heard of folks rolling around deeply in debt due to credit card bills and loans. If there’s a way to stay out of debt, wouldn’t you prefer that? Finances change, which is why you should think ahead before applying for any loans or lines of credit. Here are some tips to help keep you on the positive side of your finances. Stay Away from Credit Cards As we’ve already mentioned, credit […] Read more »

Are You Lying To Yourself About Your Finances?


Today’s post is one of a network of posts throughout the personal finance blogosphere taking part in the Financial Literacy Awareness Carnival.  The Carnival is being hosted by Shannon at The Heavy Purse honoring April as Financial Literacy Month. Once you finish this post, head over there to check out other great articles linked to by the carnival. Enjoy! Are you lying to yourself about your finances? Don’t be so quick to answer that question, maybe you should think about it a little harder. You will never reach your full financial potential if you’re lying to yourself about your finances, […] Read more »

Five Objections to FX Trading and Why You Shouldn’t Listen to Them

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Don’t know about you but I’ve heard enough objections to last me several life-times. You want to leave work? Oh, it is so hard to get another job. You want to start your own business? Oh, but most of them fail. You want to run an ultra-marathon? Do you know how many people don’t finish? You want to make enough money to retire in four years’ time? This is impossible. And so it goes about almost anything. You see, I may be an optimist but I’m not delusional; well, not usually, anyway. I know that some things are difficult to […] Read more »

13 Ways You Can Save Money On A Low Income

save money low income limited income

I get a lot of questions from readers wanting to know how they can save money on a low income, so I thought I would write a post about some of the suggestions I’ve been giving out that can help you put money in the bank, even when you’re living on a limited income.  I’ve also included some great resources along with the suggestions that will help you get started putting money in the bank right now!   You Can Still Save Money On A Low Income When you’re living on a small income, it can be especially hard to […] Read more »

I Love You Like A Blogger Roundup – 4/24


I’ve had one of those weeks where I find myself extremely thankful for my career.  I’ve been consciously taking note of the interesting and cutting edge things that I’m doing, and can’t help but want to put my heart and soul into doing the very best I can.   Enjoying my job sure makes it easy to get out of bed in the morning.  Hopefully that will translate into some sweet pay increases. That would definitely be worth a fist pump! Posts That Make Me Fist Pump How to Be a Conscious Spender from Debt Roundup Do You Need A Budget? […] Read more »

The Effect Of Debt….We’ve Come A LONG Way


I know that my life is very different now that we’ve eliminated $109,000 in credit card debt. We have breathing room in our budget, we have the freedom to decide what we do with our money, and life is just over all less stressful. But every now and then, something happens that brings me back to the days when we were struggling and reminds me just how much better off we are without the weight of debt holding us down. My smoker is in need of some maintenance. The rope gasket I had installed on the cover of my smoker […] Read more »

When thinking about selling annuity payments, it can seem overwhelming with all the information you find on the internet


The most difficult part is trying to understand the legal terminology, as well as finding a reputable company whom you can trust. The first thing you need to do is to determine if your annuity is transferable. In the case that your annuity is not transferable, it is impossible for you to sell it. Keep in mind if you do need cash ASAP, you can sell the annuity with what is called a nontransferable annuity list. The next step is to determine if your annuity is a structured settlement. In most states, there are laws that protect individuals who are […] Read more »

I Love You Like A Blogger Roundup 4/17


Last weekend we had a birthday party for our daughter – she turned 13!!!!  Vonnie and I are now the proud parents of TWO teenagers.  We bought a huge roll of contractor’s plastic and built a “splatter paint cube” in our garage.  It was actually our daughter’s idea….but we made it come to life.  Tori and her friends each got a container with washable paint and a brush.  They went in the cube and threw paint everywhere.  They had a blast.  It turned out to be more expensive than we had anticipated, so this weekend is a “lay low” weekend. […] Read more »

Who checks and uses your credit score?

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If you make an application for a loan, mortgage, credit card or other form of borrowing, the lender will perform a credit check on you. The credit check will be used to form part of the lender’s decision-making process to ascertain whether you would be a risky borrower and assess your ability to pay the loan back. Credit checks basically look at various aspects relating to your financial history to see whether you are responsible with money. The checks involve a credit score, which can help lenders to assess how risky it would be to lend you money. The higher […] Read more »

Want Success? Make The Choice!


There is a redemptive power that making a choice has. Rather than feeling like you are an affect to all the things that are happening Make a choice. You just decide what it’s going to be, who you’re going to be, how you going to do it. Just decide. -Will Smith (actor) This quote was stuck in my head all week, and it inspired me to view the world through a different perspective. I walked to the vending machine with every intention of buying a soda to go with my lunch. When I arrived at the bank of vending machines, […] Read more »

How many things do credit scores affect?

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How well do you know your personal credit rating? If the answer is not very well at all, you are advised to become familiar with your report as quickly as you can. Some seemingly minor things can have an effect on credit ratings, and the lasting effect of allowing your score to dip dangerously can be catastrophic. In fact, it can make living from day to day a real struggle. Building a Happy Home The problems in the housing market since the economic downturn of 2008 have been well documented. First-time buyers have had to fight tooth and nail to […] Read more »

I Love You Like A Blogger Roundup – 4/10


Tuesday night, my son brought home from work his very first paycheck.  It was for the 8.5 hours he was in training, and he received a paper paycheck as his direct deposit hadn’t taken effect yet.  When I asked him if he knew what to do with the check, he shook his head, “No.”  I explained to him how to endorse a check, and what he would do once he got to the bank.  I could see his eyes glaze over, so I asked him if he wanted me to go with him.  He said, “Yes.”  Looks like a financial […] Read more »

Recycling Apple: Give your old gadgets a new lease on life by repurposing them


The iPhone forever changed the mobile phone landscape. I remember getting my first one, an iPhone 3G. It was a gift from my ex-girlfriend-turned-wife a few years back, and the very first app I bought was a beer app that showed a glass with beer in it moving and tilting as you move and tilt the phone. So much for productivity! As a token of appreciation, I bought her a sleek looking iPad for Christmas. Amazingly, we still have those two antiquated gadgets and have found great ways to repurpose them. My old iPhone is always on Airplane Mode and […] Read more »

Breeze Through Your Taxes Through Preparation And TaxACT


This post is part of the TaxACT #BeatTheDeadline blog tour which shares tips on how to make tax time a smooth and easy process before the April 15 deadline. TaxACT provides the tools and guidance to help you confidently file taxes easy and fast. Do your own taxes today at TaxACT. You got this. When you think about doing your taxes, what picture immediately forms in your head? Is it one of sitting in front of the computer answering questions displayed on the screen by tax preparation software? Or maybe one of an appointment with an accountant? I’ve noticed something […] Read more »