O Emergency Fund, Emergency Fund! Where For Art Thou Emergency Fund?

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Letting go

Have you ever had a true emergency fund before? They say, once you go emergency fund you never go back. Having my beloved emergency fund in my life has been amazing, and I became a better person for meeting her. Ever since the first day I laid eyes on my one true emergency fund, I new I was a changed man. The way she comforted me and made me feel all safe and fuzzy inside. I got butterflies whenever I would think of her. I just knew she was the one! Can you tell I’m struggling? My emergency fund was [...] Read more »

Saying “I Can’t” Is Just Like Saying “I Don’t Want To”

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crossroads

Photo Credit: haydnseek Have you ever said “I can’t?” I have, and you probably have too. What is it that you are really saying when you speak those words? Are you saying you lack the ability to learn, or are you saying you lack the desire to try? I personally feel the phrase “I can’t” is the equivalent of saying “I don’t want to”. If you wanted to do something, wouldn’t you try, and if you didn’t, you couldn’t say I couldn’t, you would have to then say I didn’t? (Tongue twister—I know) Unfortunately, many people say I can’t before [...] Read more »

Perfect Example As To Why You Must Have An Emergency Fund

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enslaved

This is a spontaneous post, brought on by my lingering frustration with how people still manage their money. Hasn’t towering unemployment, record foreclosures, and the looming threat of a double-dip recession (as if there ever was a recovery) taught people anything? For some of us it has, but for others, not so much. That is still better than before we were hit by this recession, BUT I feel I should remind you that we have proven to be a nation plagued by amnesia. As soon as things improve, some of the very same people will go back to their old [...] Read more »

Pay Off Debt By Saving Money

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coupon savings

How often do you mindlessly pay whatever price the store is asking? I’m not even one of those hardcore coupon clippers that spend hours each week laboring over countless newspapers, but I do believe in getting bargains most of the time. Quite honestly, I’m just as guilty as you are about sometimes ignoring possible savings out of mere inconvenience. I sometimes wonder how much I would have saved if I wasn’t so impatient. What if finding and using coupons was actually convenient and less time consuming though? How much faster could you pay off your debt, build that emergency fund, [...] Read more »

How I Saved $168.17 On A Recent Purchase!

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quibids-example

Are you looking to save lots of money by getting huge bargains on merchandise? I don’t know many people that would say no to that question, but I want to make something clear right from the beginning. I’m not an advocate for mass consumption, especially just because you are able to get a huge discount. I am of the opinion that if you need something, it’s just really nice to save money in the process. Today, I am going to share something with you that I have found to be a great resource in helping my family and I save [...] Read more »

When You’re Tired Of Being Broke, You’ll Start Saving

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If you were to ask people why they do not have any savings, you would likely here a multitude of excuses. You say reasons, I say excuses, and here’s why. If saving money was important to you, and not just a feel good line to help cover up your lack of priorities, you could save an emergency fund! Sure there might be things that pop up and make it harder, but those things happen to everybody. In Financial Peace University, Dave Ramsey uses an example to support the idea that if saving money was an emotional priority, you would in [...] Read more »

SAVE MONEY, NOT MOVIES!

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There are lots of things that people waste money on, but I want to talk about something that I used to waste money on.  Movies!  Do you have a DVD collection that rocks?  I have noticed that people take great pride in their DVD collection, and you often hear them proclaim it’s greatness with enthusiasm.  I used to be one of those people that collected movies, that was at least until I realized how much money I WASTED on movies that I hardly ever watched.  I started asking myself if the value was worth the expense. People like to brag [...] Read more »

Fully Funded Emergency Fund – Do It Your Way!

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Go Get You An Umbrella! You’ve reached baby step 3!  You now have NO DEBT except for your house, and are ready to beef up your savings.  Congratulations! You are climbing a mountain and are two-thirds of the way up.  Can you see the top?  Pretty soon you will be at an overlook that you at one time thought was impossible.  Keep moving forward! There may be times when you feel as if you are moving too slow, but just keep moving!  Now isn’t the time to stop!  Now you should be more motivated and here’s why.  When you were [...] Read more »