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 »

The Best Student Loan Tips for Recent College Grads

If you just graduated or decided to take a break from school, or you’re already in the process of repaying your student loans, the tips being shared today will help you keep everything under control. By using the suggestions we’re about to make, you’ll be able to protect your credit score, avoid paying extra interest and fees, keep your loan payments inexpensive and learn more valuable information. With that said, let’s take a look at the best student loan tips for recent college grads and students in other situations. Do You Know Your Grace Period? Every loan is going to […] 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 to Get Personal Loans with Bad Credit

Are you languishing in debt and unable to afford your daily expenses? If you have bad credit, getting a loan will be more expensive for you. However, you need to get cheaper bad credit loans that will not drive you further into debt. Before you start applying for several loans with different lenders, you need to check with your local bank. Your bank will have all your information, including average daily balance, number of times you had overdraft, and direct deposits. This information will be taken into account when you apply for a bank loan. The following steps will help […] 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 »

How to Fix Your Credit

Do you have bad credit? You should not give up because many people are in the same boat as you. You can fix your credit but you should accept that this will not happen overnight. Moreover, fixing your credit will take work, so you should be willing to work hard. Here are some tips on how to repair your credit: Check Your Credit You need to start by getting all your credit scores and reports together. You can get free copies from the main credit report bureaus: TransUnion, Equifax, and Experian. Each of your credit reports might contain varying data […] Read more »

Vets-Destitute and Overcoming Debt

It is widely known that Veterans come back post war with a lot of baggage. There are many factors to this and many opinions. According to the US Department of Housing and Urban Development Estimates; It states that around 39471 of veterans are homeless on any given night and the number is increasing. First Command Financial Services, which is an entity that looks over military personnel, found that in 76% of middle class military families; at least one of the individuals in the family reported health issues secondary to financial stress. Another study from the National Foundation for Credit Counseling […] 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 »

Teens And Finances: Online Subscriptions

If you’re going to be successful in managing your finances, you have to budget.   It’s a skill that parents need to teach their children, now more than ever before.  It used to be that kids would only have bills that their parents pushed on them.  For example, my son owes me a predetermined amount each month for his phone and car insurance.   These are what I like to call “responsibility payments” as I pay the bills each month, and he just gives me his portion.  If for some reason he could not pay them, it would be a discussion we […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 5/26

It’s Memorial Day Weekend, which means we’re in all out party preparation mode.  This year’s party has the added dimension of doubling as our son’s graduation party for friends and neighbors.  It’s looking like a great day for the event tomorrow.  As we get close in on the final details, we have to ensure that we don’t just start blindly spending money.  But don’t worry, I’ve got cash in my wallet ready to keep me in check!  Cash is king! Fist pump for cash, and my favorite posts of the week! Posts That Make Me Fist Pump How to Save […] Read more »

3 Reasons to buy term life insurance and 3 reasons to buy whole

When you’re shopping for insurance coverage, it’s vital that you make the best decision for your family. There are several different options that you can choose between. Each kind of plan has different advantages and disadvantages that you’ll need to consider based on your insurance preferences. There is no “perfect plan” that works for everyone. The two main categories of life insurance plans are term insurance and whole life. Both of them are excellent options, but it’s important that you understand the benefits of each of them to ensure that you’re getting the best plan to meet your needs. Term […] Read more »

Tips for Lowering Your Auto Insurance Premium

Between your gas bill, maintenance and repairs, and auto insurance, owning a car can be an expensive endeavor. But there are ways to lessen the financial burden, especially when it comes to your insurance. By understanding how your deductible affects your premium, bundling your insurance policies, and taking advantage of lesser known insurance discounts, you can easily save money on your car insurance. Deductible vs. Premium When it comes to saving money on car insurance, this is the easiest, most effective method. But first, what exactly are deductibles and premiums? Your premium is the amount you pay for each month […] Read more »

4 Ways To Cut The Cost And Stress Of Graduation Parties

In early June my son is graduating from high school, and as is tradition, we are having a graduation reception so friends and family can help celebrate this milestone event. Planning an event for a significant amount of people can take a lot of time, effort, and money. There’s food, drink and in the case of a graduation there is usually some sort of display honoring the graduate. Finding ways to cut down the effort and funds needed for the event is very helpful, here are a few of my favorites. Combine Graduation Parties If you have a child graduating […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 5/19

This morning my son left for a week long trip with his Environmental Awareness class.  They’re going whitewater rafting today, rock climbing tomorrow, then spending five days in the Boundary Waters in Northern Minnesota.  Between the trip costs and the gear needed, we’ve spent several hundred dollars on this trip.  But, I believe it will be something he’ll remember for the rest of his life.  If that hold true, the cost is absolutely worth it!  How about you EOD Nation, have you ever spent a significant amount of money on something unnecessary, and it turned out to be totally worth […] Read more »