Reducing Monthly Expenses to Pay Down Your Debt

Written by on December 11, 2011 · 1 Comment
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Starting the process of paying down your debt involves a lot more than the simple declaration, “no more.” It also requires a thorough review of your personal finances. That doesn’t just mean an assessment of the debts you owe, but also what you spend, on a monthly basis. The first place to start is to see precisely how much money you bring in on a monthly basis. For some, this is easy as it’s simply their monthly paycheck. For others, it’s more complex. But whether you work for someone else, run your own company, do freelance work, or are currently [...] Read more »

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Dave Ramsey’s Financial Peace University Week 7

Written by on November 3, 2011 · 6 Comments
insurance sign

This week's class was called "Clause and Effect". It was about insurance. I know its a fun topic! Everyone loves talking about insurance. NOT. But it is a necessary evil in our lives and overall it makes our lives less risky. Who doesn't want to get rid of some risk in their life? Plus it really doesn't take long to figure out what type of insurance you need and put it in place. Once its done you can check it off your to do list for at least a year, if not forever. Read more »

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Three Ways to Decrease Your Car Insurance Payments

Written by on October 29, 2011 · Leave a Comment
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This is a sponsored post provided by the folks at 21st Century Auto Insurance. Sick of paying high monthly costs for your auto insurance policy? According to CNNMoney, there are three ways in which you can lower your car insurance payments each month. 3 Ways to Save on Auto Insurance The source states one relatively new way to cut down on your auto insurance fees is to install a device in your vehicle which can monitor your driving habits, such as acceleration and breaking patterns, as well as how many miles you drive. But, before having one of these devices [...] Read more »

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Does Where I Live Really Make a Difference in my Auto Insurance Rate?

Written by on September 16, 2011 · Leave a Comment
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A lot of people wonder what factors are used to determine their auto insurance rates. It’s taken for granted that auto insurance companies will likely give you higher rates if your driving record is pockmarked with accidents, infractions and other black marks. Additionally, matters such as age, criminal history and the type of car you own are also taken into account. However, for one reason or another, consumers don’t always understand the affect moving away can have on their auto insurance. They say location is important in real estate, but it can be just as vital in auto insurance. Even [...] Read more »

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When is it the Right Time to Let Your Kids be Financially Responsible?

Written by on September 12, 2011 · 4 Comments
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I am not the kind of person who likes to tell other parents how they should do their job. Everyone has their own methods when it comes to raising children and in most situations there is no right or wrong way of doing things. But conversations between parents are often an invaluable source of ideas, so I’m going to offer some thoughts on the process of how to help your children become financially independent as they grow into young adults. The behaviors that turn children into fiscally prudent adults can begin at a very young age. From spending and saving [...] Read more »

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Great Ways to Save Money on Home Insurance

Written by on August 29, 2011 · 1 Comment
home insurance

There are many great ways in which you can save money on your homeowners insurance – and it’s much easier than you might think. Here are a few suggestions to help you pump less money into your home insurance and more into the house itself. Consider Your Options The fastest and simplest way to reduce your expense is to get home insurance quotes from websites like moneysupermarket.com. This will give you the chance to compare the costs of your current policy with those of every other one on the market. All you need to do is enter the details of [...] Read more »

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Saving Money on Renter’s Insurance

Written by on December 22, 2010 · 2 Comments
apartment insurance

Photo Credit: kowaleski This is a guest post by Jeff Orloff. Cutting insurance altogether is never a good idea, even when you are trying to save money. Unfortunately, one of the biggest myths when it comes to insurance is that renters insurance isn’t necessary so many people take a pass in order to budget that money for something else even if it means leaving the possessions you have accumulated over your lifetime unprotected from theft or disaster. When it comes to renter’s insurance, there are many ways you can cut costs so that your possessions are protected while staying within [...] Read more »

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Tips on Finding You the Right Auto Insurance Coverage

Written by on August 30, 2010 · 3 Comments
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This is a guest post from a recent series of three from the folks at 21st Century Insurance. Make sure you are insured, but most importantly make sure you have the right coverage for you! While there are a plethora of options for auto insurance coverage, it can be tough to find the right provider that works best for you when you need to make that auto insurance claim. But they’re out there. However, the right coverage can’t find you if you don’t go out and look for it. If you’re not sure what discounts you may deserve on your [...] Read more »

7 Tips on Saving Money on Your Auto Insurance Without the Risk!

Written by on August 18, 2010 · 7 Comments
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This is a guest post from the folks at 21st Century Insurance. Perfect timing too because I just renewed my auto insurance and saved myself by using two of the below methods. My total savings for 6 months of coverage dropped by nearly $50. I raised my deductible and change my coverage to better reflect our situation. $50 may not seem like much, but it brought our final insurance quote below $400 for the six month term. I’ve been paying over $400 since I have been with my provider so I was really excited to hear it dropped some more. [...] Read more »

Why The Heck Do You Need Life Insurance Anyway?

Written by on July 15, 2010 · 21 Comments
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This is a guest post from Aaron at Clarifinancial. I was emailing with Brad last week when he suggested I write a guest post. “It would be nice to share with my readers the importance of getting life insurance to begin with,” he said. With that goal in mind, I’m going to try to tap into some of that Brad-passion to explain to you why the heck you need life insurance anyway. I normally ramble in some emotional deep-water metaphor type of stuff, so this will be different. Look, you make money, you own things, and (if you’re reading this [...] Read more »

Tips on Keeping Your Car Insurance Rate

Written by on June 24, 2010 · 1 Comment
car insurance

This is a guest post from the folks at 21st Century Insurance. We are all required to have auto insurance, so it’s nice to know what we need to do in order to keep ourselves from spending more money than we have to. My favorite tip is the last one, mainly because I know I am guilty of assuming. In fact, when my insurance is set to renew I plan on asking for a better rate! Keep your Car Insurance rate where it belongs. If you’re like many of us, car insurance represents a big chunk of your household budget. [...] Read more »

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Insurance You Need And Insurance To Heed

Written by on June 22, 2009 · 10 Comments

Do You Hate Insurance? For most of my life I have HATED insurance.  It always seemed to me that I was getting ripped off, especially if I never had an event to justify having it.  You probably know what I am talking about.  You drive your car for 5+ years without an accident, causing you to think more about all the money you have paid in, that seems to have just been flushed down the toilet.  As much as I hate thinking about that I have learned that insurance is about transferring risk, and the cost that comes with that [...] Read more »

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