What Types Of Student Loans Are Available?

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There’s much to do to get my son ready for college, including the all important question of how to pay for his education. We will be paying for as much as we can out of our pocket while attends college, but there will be some amount of student loans that will need to be taken out. As we’ve navigated the financial aid process, we’ve learned quite a bit about what kind of student loans are available. Free Application for Federal Student Aid (FAFSA) The first step in the college financial aid process is to fill out the Free Application for […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/14

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One way you can tell your kids are growing up is when their spending outpaces their allowance.  My 15 year old daughter goes to the occasional movie or visits a convenience store with her friends to buy snacks, but her passion is shopping for new clothes.  No allowance within the realm of reason can fund a teenage girl’s desire for new clothes.  I was pleasantly surprised when my daughter stated she needed a job.  This shows that she understands the concept of having to work to earn the cash needed to buy the things she wants in life.  The problem […] Read more »

3 Ways To Prevent DIY Projects From Costing You Money

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    Do It Yourself projects can save a person a lot of money if they’re done right.  Done incorrectly, you might just end spending as much or more money than hiring someone to do it in the first place. I found this out recently when my garbage disposal decided it was time to retire. A chunk of metal broke off my garbage disposal during normal use. A quick look below the sink gave me confidence that I could replace it myself. I picked up a replacement from a local hardware store, installed it, and made sure it worked. I […] Read more »

Personal Debt and the Workplace

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It’s no secret that levels of personal debt have been on the rise in recent years- the Trades Union Congress (TUC) claimed earlier this year that levels were being pushed into a “danger zone”. This suggestion comes in the wake of household debt edging up to an average of £13,200 at the end of 2016. Less widely known, though, are the ways in which this constant financial pressure can impact upon people’s lives; affecting everything from their personal habits to their sleep patterns. We generally like to think of our private and professional lives as two separate threads, but the […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/7

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It’s been a busy summer with my son’s graduation, college orientation, a wedding anniversary, a trip to a cabin by a lake for the 4th of July, and the grand finale being my wife’s birthday yesterday.   It was a lot of fun, but with all of that behind us, I’m ready to coast for a few months.  No big events, no trips, no nothing.  Sounds like a great opportunity to go into low spending mode, enjoy some delicious food off the grill and just enjoy summer! Fist Pump for enjoying summer, AND my favorite posts of the week! Posts That […] Read more »

Are Personal Loan Predators Lurking In Your Mailbox?

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I’ve been receiving a different type of credit offer in the mail as of late. I’m used to the credit card offers at this point, ripping them in half and throwing them in the trash without thinking about it. Maybe I’ve been getting this type of offer all along, it seems lately I’ve been constantly getting offers for unsecured personal loans in my mailbox. The mailings offer large sums of cash to be used for debt consolidation, home improvement, or whatever I could use funds for. After being flooded with these offers for months, I decided to just a little […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/30

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It’s been a special week, as my wife and I celebrated our 21st wedding anniversary.  Time sure does fly by when you’re having fun!  The celebrating continues as next week is her birthday.  I’m confused how I have been married to a woman for 21 years who is still in her late 20’s.  LOL. Fist pump for anniversaries, birthdays, and my favorite posts of the week! Posts That Make me Fist Pump Beating the Tedious Process of Car Buying from DINKS Finance 7 Money Wasting Habits You Need to End from The Money Principle How to Help Your Kids Develop […] Read more »

Cheap and Easy Alternative Investments Anyone Can Utilize To Generate Additional Income

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If you’re in debt, your objective is likely to pay off your debt. This requires building wealth, but alternative investing may seem too risky. What if you lose your money? Your money is better spent on paying off debt than risking it on an un-guaranteed investment; unless, of course, the investment is low-risk and low-cost, in which case the risk is worth the reward because the risk is so minimal. The following is four alternative investments that are just that, cheap and low-risk. Each requires a time commitment and thorough research, but success in each is achievable by everyone. Use […] Read more »

How to Stay Away From Debt While Going Through a Career Change

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Major life events like a career change can have major consequences for your financial future. The extra debt you take on while going through a career change could end up disrupting your plans down the road. So you want to avoid taking on new debt at this time. While that can sound almost impossible when you’re already just trying to figure out how to make ends meet, you can do it! Here are 5 tips to make sure you stay on track and stay away from debt while going through a career change! #1 Cut the Non-Essentials During lean times, […] Read more »

Investments: The Importance of Diversification

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Diversification of investments is thought to be a basic building block of any solid portfolio. Basically, it means that you should not put all of your eggs in one basket. Diversification of investments can be defined as a strategy for a portfolio that combines a variety of assets in order to reduce the overall risk of said portfolio. In other words, if you have invested in a diverse array of things, you won’t go broke if one of those investments flounders. The basic portfolio that is diversified might include things like cash, bonds, and stocks, as well as some other […] Read more »

Perception Will Make You Broke

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  One of the biggest reasons people overspend is because they worry what other people think about the possessions a person may or may not have as well as the perceived quality of what a person does own. Or maybe they simply believe they are a better person if they have nicer things.  Many people believe their value as a person is measured by what car they drive, the size of their home or the name on the tag of their clothing.  Unfortunately, that perception will do nothing for you but make you broke. My son was giving my wife […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/23

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My son used some of his graduation money to have sub-woofer put into his car this week.   He did some shopping around and actually decided to go with the more expensive option of having it done professionally over a private party.  After it was installed, an employee of the car audio place walked him through what they did, how to properly use the product, and stated if he had any questions or problems to bring the car back in and they’d take care of him.  My son looked at me and smiled with a, “Yeah, I made the right decision,” […] Read more »

Teens And Money: Using A Waiting Period Before Significant Purchases

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A spending waiting period can prevent a person from throwing their money away on something they won’t get a significant amount of value from, or something they just flat out don’t need. Whether the waiting period is 24 hours or a week, the concept is the same. Before making a significant purchase, wait a period of time to really reflect upon the purchase. If after the waiting period has expired you still want the item, buy it. This same method can simply prevent a person from making a bad decision when it comes to what product to buy, or whom […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 6/16

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This Sunday is Father’s Day, and you might be thinking of that special dad in your life.  You might even be one of those special dads.  When my wife asked me what I wanted for Father’s Day, I listed two things:  1.) Time.  I want to be allowed to take the time to smoke baby back ribs on the smoker  2.) A new tank top from Walmart that says “Smokin’ Hot Dad” on it, with the picture of smoke billowing from a smoker.  Cost: $5.    In other words I want to be able to spend time doing my favorite hobby […] Read more »