14 Ways to Save Money for the Holiday Season

Shop with Cash for the Holiday Season Save money for the holiday season by shopping with cash, sounds simple but the number or people who shop with credit cards, feeling that their budget is unlimited is huge. You don’t have to fail at holiday shopping just because your neighbor is, or you THINK everyone else […]

How a Budget Can Create Financial Freedom in 5 Ways

Financial Freedom Know Where Your Finances Are First Since the most important aspect of financial freedom is no or low debt, I will start with debt. There are those who are in horrific debt and they don’t know it, as high debt is a major robber baron of financial freedom – it is important to […]

9 Ways Big Box Stores Like Costco Entice You to Buy More Than You Need

Big Box Stores Like Costco Start with The Costco Website First of all, big box stores like Costco entice you to sign into their website with your Costco card number, although they say that is not a requirement. Most of the prices on the website have discounts. So, that would place most of them on […]

Your 7-Year-Old Child’s Budget

If a 7-year-old has a great child’s budget, will that make him a frugal adult? It may, and it may not. But, we do have lots of evidence to suggest that spoiled children often become over spending and greedy adults. What happens at 7 could easily happen at 70, since good and bad habits grow […]

3 Types of Predatory Debt You Need to Know About

The type of debt you get matters, and many don’t understand that. Here are 3 types of predatory debt effecting millennial’s and gen x’ers debt snowball. Predatory loans is where the most confusion comes in, and later the pain and sorrow is packed on for years afterwards. So, in case you wonder how debt snowballs, […]

Personal Budgeting for Future Sanity in 5 Ways

Personal budgeting for future sanity; Did you know that your sanity in the future could depend on the way you budget your money today? It does. So, get into the habit of including tomorrow into today. I know this sounds like you are only living for tomorrow and not for today. But, believe me, you […]

Teach Your Teen to Budget, It Is Possible

Is it possible to teach your teen to budget? For some parents or guardians, the answer may be no. But, for others it is possible. If you have not spoiled your cute sweet little toddler into a mean selfish teenager, it is possible. Even if you have engaged in the “spoiled rotten” theory, you can […]

The Difference Between Good Debt and Bad Debt

Good Debt Versus Bad Debt After writing and posting the article “Until Credit Do Us Part,” we received a few emails from women who felt they understood why all debt is bad; the reason being, is because it interfered with their personal life. One woman in particular wrote ” I finished medical school and a […]

Knowing Basics of Small Business Taxes Will Protect You and Your Business

Basics of Small Business Taxes It is imperative that if you have a small business, you should have, at least, the basics of small business taxes so you can check your returns and understand why your accountant has chosen the deductions for you. Where to Get Tax Forms All tax forms are available at IRS.gov. […]