5 Tips to Ensure Financial Security After Retirement

[This is a guest post] In today’s financial turmoil, we all have become financial worrywarts. We always worry about our financial security, especially after retirement. Unfortunately, we worry a lot, but hardly do anything anything about it, whether it is for the betterment of our retirement or paying next weeks grocery bill. Many people tend to live beyond their means and either lie to themselves about or hide it from their financial advisor, if they have one. Many are losing out on a good night sleep because of the fear that they will be running out of money much sooner […] Read more »

Got Space? – Rent It!

[The following is a guest post.] When wanting to get a little extra cash coming in most people might head towards sites such as Ebay or those buying old electrical items to get the money as soon as possible but in the end your item is gone and you can’t get it back without buying another one. So why not consider renting, not everyone wants a stranger living with them which is likely to be the biggest factor to put someone off, but it can come with advantages, especially if you choose a friend rather than a stranger. In addition […] Read more »

Xzilon Washes – My Only Car Splurge

chevy aveo

The following is a guest post from Crystal at Budgeting in the Fun Stuff, where she covers spending, saving, and budgeting for fun along the way. ———- I drive a crappy car with no upgrades at all, although I think it did have a Xzilon interior treatment before it left the dealership.  I plan to keep driving my car for at least another couple of years. Buying My Car – Xzilon Not Included My car hunt started right after college in 2005 since I needed to give back my parents’ extra car.  I had a really awful experience with a […] Read more »

Shopping For A Mortgage? Don’t Make These Three Credit Mistakes

house for sale

[Guest post by Lindsay from TeacHer Finance] Deciding to take the plunge into homeownership is a really big deal for a lot of people, and for good reason: purchasing a home is a huge commitment that few of us sign onto without serious consideration. After all the hemming and hawing about whether or not to buy or keep renting, many of us are so excited to dive right into house-hunting that we fail to pay attention to some – ahem – key details. Of course, I’m talking about the all-important credit score, the little digit that has the power to […] Read more »

Using Ebay to Kill Debt

magic cards

[The following is a guest post from Crystal at Budgeting in the Fun Stuff, where she covers spending, saving, and working in the fun stuff along the way.] My husband and I didn’t have much debt during or right after college, but we didn’t have much money either.  That meant that the one car payment we did have was extra annoying.  We had day jobs but we wanted to earn a little more to help pay down the car loan even faster.  That’s when we looked around and my husband realized that he had about 10,000 Magic: The Gathering cards […] Read more »

Inflation vs Currency

foreign currency

[Guest post] The Banco Central do Brasil is fighting back against the upward pressure on inflation. In 2012 consumer prices went up by 5.8%; so far this year prices have risen by 6.09%, worryingly close to the upper limits of 6.5% for the year as a whole. The central bank’s response has been to raise its benchmark “Selic” interest rate four times, from the 2012 low of 7.25% to today’s 9%. The latest move took place in late August and analysts are sure there are more increases to come. In the most recent survey by the Bloomberg news agency, the […] Read more »

Three Myths About Mortgages That Are Usually Believed

for sale sign home

(This is a guest post) There are many myths about mortgages that are so widespread that large numbers of people believe them wholeheartedly. Many of these myths are passed on as well-known advice from person to person in attempts to assist friends or family members in making the right mortgage decisions. While some myths have little effect on the person’s finances, believing in others could cost the homebuyer thousands of dollars in additional costs over the life of the loan. Here is some of the most common mortgage myths that people tend to believe. Myth 1– A 20% Down Payment […] Read more »

Make Car Shopping Easier And Faster With These Tips

(Guest post) Car shopping is not a task that many of us undertake often. When we do decide to shop for a new car, it is often out of necessity to replace an older car that has been damaged or broken down. Because we do not have a lot of practice with buying cars, it can seem complicated and difficult while taking up a large amount of time. Fortunately, there are several methods that can be used to make car shopping easier and faster for you. Look Online First A large amount of the time spent on car shopping are […] Read more »

Couples Debt: Is it a Deal Breaker?

Good morning Enemy of Debt readers.  My name is Kristina and I am the blogger over at Dinks Finance.  Today the EOD team was gracious enough to let me chat with you about debt, commitment and marriage. I am thankful for the opportunity and I look forward to spending the morning with you. Dinks Finance is a blog for couples about couples regarding everything related to money.  I have been with my boyfriend for almost 14 years, we started dating as a two broke teenagers in college – now at 32 and 33 years old we are both successful professionals. […] Read more »

I Love You Like a Blogger Roundup – 04/19

Uffda, it’s been a busy week!  For those of you not familiar with “uffda” it’s a Norwegian phrase, but I think you get the idea of what it means and it sums up my week pretty darned well.  One of the very cool things that happened this week was that I increased my flat bench press maximum weight during my strength training routines…..twice. That never happens.  Never. On Monday, I lifted 275lbs for the first time.  Yesterday I pushed 280.  I was super excited as this  is by far the strongest I’ve ever been.  I literally leaped off the bench […] Read more »

Making The Case For Real Estate Agents

(Guest post by Tali Wee of Zillow) In this age of information accessibility, house hunters have countless home details at their fingertips, allowing them to easily shop without the assistance of a real estate agent. Folks looking to buy can spend hours locating homes that fit their wish lists within their markets, and competitive home information is available to the general public on Zillow at no cost. So, why do buyers need real estate agents now that they can shop on their own? House Hunting: Buyers are fortunate to have such a plethora of information to launch their home buying […] Read more »

I Love You Like a Blogger Roundup – 11/23

Its Black Friday……and I really don’t care.   I slept in.  Instead of getting up super early, or even worse staying up all night I think my time would be better spent reading awesome blog posts.  If you agree, you’ll definitely enjoy my favorite posts of the week.   Favorite Posts:   15 Truths About Money from The Daily Money Shot Being On A Budget Doesn’t Mean You’re Poor from BudgetBlonde Thankful For a Perfectly Flawed Life from ExConsumer Personal Finance Lessons That Should Be Taught In High School is a guest post from Briana at Money Q & A   […] Read more »

I Love You Like a Blogger Roundup – 11/16

For the first time, in a very long time, I feel caught up and in control of every aspect of my life.  I had more time for reading blogs, and wow there were a TON of great posts this week!  Below are links to my favs.   Favorite Posts The Most Popular Budget and Why It Sucks from Money Life And More We’re Switching To Cash! (Our ‘A-Ha’ Moment Weekend)   from Plunged In Debt Seriously. What’s 1 percent gonna do?  from Money Plan SOS Life After Debt: How Budgets and Planning Become Lasting Habits from Ask CareOne How I […] Read more »

Why You Should Get into the Savings Habit from a Young Age

piggy bank

(Guest Post by Julian) When you’re a young person (and let’s define that as roughly between the ages of 16-24 for the purpose of this post) it’s common to have the idea of saving and, even more so, the intention of saving, firmly lodged at the back of your mind. It might be that you’re at an age where no one even talks about personal finance so you haven’t even considered saving any money, or, more likely, it might be that you think saving just isn’t necessary, nor sensible, as a 16, 21, or 24 year old. After all, you […] Read more »