We’ve see this advice before, haven’t we? The first step to getting out of credit card debt: stop using your card(s). About.com offers 7 tricks to stop using credit cards. But I wonder if anyone actually ever took action after reading this article? The thing is, the advice to stop using your credit cards is [...]
Let’s assume that you are frustrated with the way you are currently handling your money. have a debit card with > $20 balance. have an inkling that you’d like to change your ways. You might fit assumption (1) if you feel like you: spend too much money on x don’t save enough don’t invest enough [...]
Speaking of kids activities, walking is a good one. And it’s free. Not only can it be done for free with your kids, it can be done as a family, with your spouse, by yourself. For example, I just went for a solo half hour walk starting at 6:15 am. It was a tremendouse experience. [...]
I created this blog as a place to share the credit card calculator tool that I made almost a year ago. And to date, the original post featuring the calculator has received a whopping 2,109 unique visitors who spent an average of 2 and a half minutes on the page. I am proud of this [...]
Many of us go to the store to buy something on a regular basis. It might be food, clothes, diapers, cigarettes, boos, gas, random things at Target or Walmart. Stores typically have three things in common: they have cash registers, they have product, and they have product crowding the cash registers. This crowded product is [...]
If you found a hundred dollar bill, what would you do with it? Would you spend it differently if you received it as a tip, a bonus, or a gift? Would you spend it wisely or frivolously? If you were given ten one hundred dollar bills, would you follow a similar spending/saving pattern with it? [...]
A common instruction set for reducing credit card debt is to stop using the cards begin overpaying the minimum payment We were deep in credit card debt, with minimum payments totaling over $600. Step #1 is easier said than done. We’ve cut our balances down by more than half by overpaying the minimum balance. While [...]
How many of us know exactly how much money we need each month to get by? As a member of a family who has gone through a successful personal finance renaissance I can tell you that figuring this number is a notable achievement. And there are a few reasons for this: Allows You To Create [...]
I drove home yesterday with a paycheck in my pocket. As I was driving I began to recall how different my mindstate was a year ago. Back then I would have been overwhelmed by the thrill of receiving a lump sum of money. I would have been proud of myself for having earned it and [...]
Paying the minimum payment on your credit card each month through auto-debit is undoubtedly incredibly convenient. I should know because I employed this method on all eight of my cards for several years. Besides being convenient, setting up automatic minimum payments can easily be construed as the responsible thing to do — after all, you are [...]