How to Become a Stay at Home Mom (or Dad!)- 16 Tips to Get Started

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How to Become a Stay at Home Mom (or Dad!)- 16 Tips

Becoming a stay at home mom ( SAHM ) or dad is an important decision a lot of families struggle with.  Making the decision to stay at home with the kids while the other spouse works takes plenty of consideration and planning if you really want to make it a blessing for your family. If you don’t consider the advantages and disadvantages of staying home with the kids, you can very quickly end up stressed, unhappy and broke! How to Become a Stay at Home Mom (or Dad)! That’s where this post comes in! Below I’ll show you everything you […] Read more »

7 Awesome Ways to Accelerate Your Savings and Build Wealth

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Seven Awesome Ways to Accelerate Savings and Build Wealth

Most Americans are saving very little money, if any at all.  I know my savings have been harder to come by in recent years. Over the last few years my income was cut almost in half due to several factors.  On top of that, we were also paying cash for my wife’s bachelor’s and master’s degrees. Things got pretty tight there for a while. Saving money was not an easy thing to do, but we did manage to save a little periodically even though we were under the gun financially. Now my income is now returning to a much more […] Read more »

How to Get Ahead If You’re Living Paycheck to Paycheck (Part 2)

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get ahead living paycheck to paycheck

In the first article in the series, I covered eight things that might cause you to end up trapped in a paycheck to paycheck life. In this second post, I’m going to show you a few things you can do to get your finances under control, stop spending more than you make, and end the paycheck to paycheck cycle for good. If you read the last article, at this point you’ve probably figured out some of the top reasons why you’re struggling financially. Once you understand those reasons, I explained that it was important to get your mindset right and […] Read more »

“I Don’t Have Time” and Other Budgeting Excuses You Can Fix Right Now

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budget budgeting excuses fix tips

I’ve been recommending doing a written monthly budget for many years now.  That’s not gonna change any time soon. Today I’ll cover what are probably the most common excuses for not making a budget.  I’ll give you tips on how to overcome those excuses, and provide you with a load of killer resources at the end to help get you moving forward.   Everybody Has a Budgeting Excuse Doing a consistent, written budget is the best thing you can do to start getting your finances under control.  When you start this valuable habit and stick to it, you’ll stop living […] Read more »

5 Killer Ways to Make Money, Even in This Economy

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Make Extra Money

Are you needing to make some extra jack because you’re having trouble making ends meet in this difficult economy?  If you’ve already cut expenses to the bone and done everything else you can to use what you have wisely, then here are a few tips you can use to make some extra money that you can do immediately that can help get your bills caught up, and start paying down that debt.  Some of these are just common sense and some you might not have ever thought about, but all of them can make you some extra money to get […] Read more »

Dealing with Debt Collection Agencies

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This is a guest post. Photo by quaziefoto Dealing with Debt Collection Agencies When your debt has been turned over to a debt collection agency, it is important to gather information first. Before you agree to pay the debt, find out what the debt is for, where it originated, and the original amount. If it is a fraudulent debt, you will need to go through the process of finding out whether you are liable for it, and take appropriate steps to work with law enforcement and the credit bureaus, as well as the lender and the debt collection agency to […] Read more »

Frugality Tips – Practice Makes Perfect

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This is a guest post written by Ross of GoBeRich.com. Photo credit: Cliff1066 So I took a little trip to the mall the other day with my girlfriend and one of her friends. This was my first mistake. My second mistake was thinking I would tag along with them while they shopped for clothes and shoes and that it wouldn’t drive me insane. Needless to say, it did drive me insane, so eventually I set off on my own in search of something to occupy myself with. I first headed to Game Stop, as I have to admit, I’m a […] Read more »

Your Children Will Handle Money, The Way You Handle Money

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Money Management In Public Schools? I recently read an article that talked about how Cincinnati Public Schools plan to start teaching money management classes, in grades K-12, starting in 2014.  Now on the surface, this doesn’t sound like a bad idea, but I think that there is another way of looking at it.  Personally, I believe that while teaching kids about money is important, I think that it is more important to know who’s ideas about money management are being taught. My objection isn’t that money management will be taught, it’s about what that will include.  If they are just […] Read more »

Sometimes Just Knowing What To Do Isn’t Enough!

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Broke Financial Gurus?  No Way! It’s true!  You can be considered an expert, but that doesn’t mean you will not struggle with the process itself.  It doesn’t mean that discipline is automatic. and most of how you handle your money is behavior anyway.  We know exactly what it is that we need to do, and why, but even we still have problems when it comes to following through at times. Why is that the case?  For starters, we are human which means we can mess up, and to me there really is no other explanation needed.  Whether it’s impulse spending, […] Read more »

7 Tips To Make Your Budget Work

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1. Maintain An Emergency Fund Of $1,000 This is very important!  If you do not have an adequate emergency fund when life happens to you, you will feel defeated.  It has a very negative impact on your desire to budget when you have to reorganize EVERYTHING to pay for emergencies.  If you have an emergency fund all you have to do is cover the emergency without reorganizing the entire budget. 2. Remember That You & Your Spouse Are On The Same Team The friction caused by disagreement will often cause the budget to be a flop before it ever has […] Read more »

How Can We Love Our Children More?

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That’s How! Our Children Really Are The Future If you have children I can not think of anything as important as teaching them how to manage money at a very early age.  Think about it for a second.  If you would have learned about money at a young age you could have avoided so many of the financial pitfalls that most of us deal with.  I know I would have loved to learn this stuff early on.  It would have kept me from paying extensive amounts of “Stupid Tax”, as Dave Ramsey calls it.  Stupid Tax is money that we […] Read more »

Selling on Ebay is as Easy as 1-2-3!

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Are you looking for a way to make extra money? Many people use Ebay every day to do just that. My wife has recently started getting really serious about it and it has paid off big time. The success we have had has started somewhat of an obsession. Here’s why. Since April 10th, my wife has made an extra $329.73. I am certain that there is more than one way to be successful using Ebay, but here is how we are doing it. Step One~ The Setup We set up an Ebay account and signed up for PayPal. PayPal is […] Read more »