25 Best Side Hustles for Teachers to Make Extra Money

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Teachers are massively important to a well-functioning society. Unfortunately, the vast majority of our educators aren’t paid as well as they should be. Because of that, I know plenty of teachers that are constantly on the lookout to make extra money with a side hustle. I have a soft spot for teachers. In fact, I’m pretty much the only person in my family who has never been in the teaching profession. My grandmother, mom, dad, sister, brother, and wife have all taught or are currently teaching. It’s a profession that runs deep in my family. Because I know so many […] Read more »

How to Achieve Debt Freedom Without Sacrificing the Fun Stuff

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In most cases, it’s not super easy to achieve debt freedom.  But that doesn’t mean your life has to be miserable while you’re getting out of debt.  In fact, you don’t have to sacrifice all the fun in your life just because you’re paying down debt. You can still have fun! In this post I’ll show you how to make a solid plan to achieve debt freedom without being miserable in the process.   You Can Still Have Fun Getting out of debt isn’t completely about deprivation and self-sacrifice, although they do play a role. Some people would rather put […] Read more »

Work at Home Scams- How to Spot Them and How to Avoid Them

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Man using laptop computer while sitting on white floor background with copy space, top view, people and technology, lifestyles work at home

Work at home job scams are everywhere.  You’ll see them all over the internet, in your junk mail, in your email, and even on flyers posted around town.  In fact, work from home scams are so common it’s not always easy to tell the scams from legitimate work at home opportunities. Read on and I’ll show you what to look out for, plus give you some great ideas for legitimate work-at-home jobs to help you provide for your family without a traditional office job.   They Make Huge Promises I’m sure you’ve seen some of the ads for these scams.  […] Read more »

Should You Repair Your Car or Replace it? How to Know for Sure

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Should You Repair Your Car or Replace it? How to Know for Sure

If you’re a car owner, at some point you’ve probably been faced with the gut wrenching decision of whether to repair your car or replace it.  It’s rarely an easy decision to make.  Repairing vs. replacing your car can have huge financial consequences that last months or even years. In today’s article I’ll show you what you need to consider when deciding to repair your car or replace it .  It’s usually not a clear-cut decision, but when you’re armed with the right knowledge, figuring out a game plan is much easier.   Repair Your Car or Replace it ? […] Read more »

Multiple Streams of Income- What is it and Why Do You Need it?

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Did you know the average millionaire has 7 different streams of income?  According to most experts, making money through multiple streams of income is a huge factor in how financially successful you become. I’m a big believer in the concept.  In fact, the first time I heard about multiple income streams I was blown away by its obvious ability to build wealth and sustain it over the long term. Because it’s such a powerful concept, I thought I’d share it with you in today’s post! Multiple Streams of Income are the Key to Wealth Earning money from more than one source is […] Read more »

13 Essential Things You Must Do When You Lose Your Job

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13 Essential Things You Must Do When You Lose Your Job

It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it. Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, you have to take control over your situation if you want to move forward successfully. In this post I’ll show you 13 essential things you must do when you lose your job.  You’ll also discover some awesome resources that’ll help you find your next job or transition into a […] Read more »

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 »

13 Better Money Habits You Need to Get Out of Debt

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13 Better Money Habits You Need to Get Out of Debt

Developing better money habits that lead to getting out of debt is one of those things everybody knows they should do, but sadly most don’t.  I know Angie and I struggled for years with nagging debt that never seemed to go away.  It wasn’t until we changed our money habits and our mindset about money that we were truly able to make a full effort at getting out of debt. We Had to Change Our Money Habits We spent a lot of time putting band-aids on our finances, but never fixed the underlying problem.  When it came down to it, […] Read more »

How to Increase Your Credit Score Without Using Credit Cards

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How to Increase Your Credit Score Without Using Credit Cards

If you’ve read any of my articles before, you know I’m not a big fan of having a credit score.  In fact, I believe the best credit score is no score at all.  So why would I write a post about how to increase your credit score? Well, in some cases it’s easier to increase your credit score quickly rather than waiting for it to go to zero while you’re in the transition of getting out of debt (which may take months to years). This might be necessary if you have an immediate need for buying a home or renting […] Read more »

18 Smart Ways to Save Money on Your Utility Bills

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18 Smart Ways to Save Money on Your Utility Bills

I’m all about saving money wherever I can.  Especially when it comes to saving money on utility bills and other recurring expenses that can get out of hand very quickly if you’re not paying attention. So I thought I would share with you all the ways I’ve found to save money on your utility bills. Saving Money on Utility Bills is Easy! It’s really not that hard to save big bucks on utilities when you know what to do.  Sometimes saving money simply comes down to changing one or two habits, and sometimes it entails making an investment now that […] Read more »

9 Tips For Creating Discipline With Money

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9 Tips For Creating Discipline With Money

I frequently get questions from my readers about how to resolve their various financial problems.  The questions range from not being able to save enough, to tackling huge amounts of debt, to how to stop living paycheck to paycheck. One of the common themes I’ve discovered in the hundreds of emails I’ve received, is that most of those readers tell me the root of their problem is a lack of discipline. Lack of Money is Not the Problem Learning discipline when it comes to money is not always easy, but it’s necessary if you want to get ahead financially.  Many […] Read more »

13 Ways You Can Save Money On A Low Income

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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 »

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 »

Small Victories- Getting Out of Debt One Small Step At a Time

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small victories get out of debt one step at a time

Getting out of debt can seem like a daunting task.  When you finally decide to take the step of getting yourself out of debt, it’s easy to be intimidated by the huge goal you’ve presented for yourself. And when you realize what you’re up against, you’re ready to give up on getting out of debt before you even get started. So how do you overcome that overwhelming feeling when you want to achieve your goal, but you’re so intimidated by all the work you know it will take to get it done? You have to chill out, take a step […] Read more »