How to Prepare Your Credit for a Mortgage

How to Prepare Your Credit for a Mortgage

Are you considering applying for a mortgage soon or within the next year? Want to have the best chance to get the loan you need? If you think you’re ready-to-buy-a-home ready to buy a house and you are a part of the majority who isn’t going to drop serious money to...
Am I Investing in a Business or a Job?

Am I Investing in a Business or a Job?

Have you ever heard of the cash flow quadrant? Robert Kiyosaki developed this quadrant many years ago, and I firmly believe that before anyone chooses their life’s career path, they should be taught this quadrant. On the left side of the quadrant are 95% of the...
How to Catch Up on Your Retirement Fund

How to Catch Up on Your Retirement Fund

Don’t feel like you are saving enough for retirement? Imagine this scenario: You’re approaching 55, your kids are moving out of the house, and you’re starting to stare retirement in the face. Up until this point your life has been a blur… So,...
4 Mistakes I Made When Financing My Car

4 Mistakes I Made When Financing My Car

It’s no secret that cars are expensive. With the average price of a new vehicle ranging around $32,086, it’s no wonder why Americans are opting for used, more affordable cars to help meet their transportation needs. Yet and still, it’s difficult for some households to...
Investing My Money in 3 Main Areas

Investing My Money in 3 Main Areas

“If you want a secure retirement when you’re older, you should be investing 15% of your money today.” This is what you’ll hear many financial gurus say when asked what percent of your income should be put away for retirement. Allow me to let...
6 Steps to Starting Your Own Business

6 Steps to Starting Your Own Business

Have you ever thought about starting your own business, but when you began thinking about everything you needed to do to get started you quickly dismissed the idea to a later date? I have met many people that postpone their idea of starting a business venture because...
How Having Kids Can Help You Save Money

How Having Kids Can Help You Save Money

Save Money By Not Having Children… Those headlines are everywhere. Experts claim it costs $250,000 to $300,000 to raise a child until the age of 18. While I believe this figure heavily depends on where you reside in the country, some parents feel the heavy...
5 Ways to Avoid Financial Burnout

5 Ways to Avoid Financial Burnout

Obsessing too much over your finances and feeling burnt out? We’ve all been there.While personal finance is extremely important since it affects your everyday life, too much of anything isn’t healthy. Managing your finances properly and improving your financial...
3 Obscure Ways to Save Money

3 Obscure Ways to Save Money

There are so many tips for saving money out there, tips like: Learn to coupon and save 20% off your grocery bills Spend with only cash instead of credit cards Drive slower to save on gas Increase your deductible to save money on your insurance premiums Sign up for a...
How to Start Spending Less Than You Earn

How to Start Spending Less Than You Earn

Spending less than you earn is one of the most popular personal finance concepts that everyone should adopt. It may sound easy at first, but if you don’t budget, live in an area with a high cost of living or tend to overspend, it may be a little difficult to...
6 Unique Ways to Save Money on Groceries

6 Unique Ways to Save Money on Groceries

Food costs are one of the highest expenses for most households usually falling right under housing expenses. This is why it’s so common to have a grocery budget and attempt to stick to it. Even when you make a list and head to the grocery store with every intention of...
How to Develop an Income as a Stay at Home Mom

How to Develop an Income as a Stay at Home Mom

Do you desperately want to become a stay at home mom, but are afraid to give up your day job income? It can be a very scary thing, especially today when most parents work outside the home, but it absolutely can be possible to ditch your employee status and develop a...
How to Avoid Student Loan Debt in Grad School

How to Avoid Student Loan Debt in Grad School

Are you considering going to graduate school or pursuing additional higher education after receiving a bachelor’s degree? A lot of people don’t follow through with grad school due to having no way to cover the costs of tuition. If you already have student loan debt,...
Save Money on Last Minute Back to School Purchases

Save Money on Last Minute Back to School Purchases

As of the beginning of last week, back to school savings are in full swing. Staples, Office Max, Target, Walmart, and even stores like Rite Aid are all competing for your back to school dollars. But, whether you have realized it or not, many of those deals are coming...
How to Reorganize Your Finances During the Year

How to Reorganize Your Finances During the Year

At the start of a new year, everyone is quick to set goals for their life and finances. But as the year progresses, it’s easy to fall off track and get unorganized. This year is flying by so it’s getting reorganized and following up on your progress is crucial. Are...
Why You Should Consider Minimalism

Why You Should Consider Minimalism

Have you ever heard of the term, “minimalism”? While I’m sure many of you have, I’m also quite certain that many of you truly have no idea what it means. You might have a visual of someone living in a tiny house and only owning 100 total...
Last Minute Frugal Family Summer Trips to Take

Last Minute Frugal Family Summer Trips to Take

Summer will be winding down soon but it’s not too late to take a family trip without spending too much money. Going on vacation and getting away from the norm and the daily grind of the work week doesn’t mean you have to book a stay at a 4-star resort on a private...
5 Things You Should Always Buy Used

5 Things You Should Always Buy Used

How often do you buy used items? Is there anything that you won’t buy used? Buying second hand can save you a ton of money in the long run. Most secondhand items for sale are gently used so you can keep more money in your wallet without having to sacrifice quality....
Lifestyle Inflation Is A Beast You Must Tame

Lifestyle Inflation Is A Beast You Must Tame

Ever got a raise at work? Sure you have. Where did it go? How did you spend it? My guess is you bought something, charged even more on your credit cards, or bought a bigger house or a nice car. Sound familiar? If you are guilty of this (and make no mistake I’ve...
5 Easy Ways to Save Money

5 Easy Ways to Save Money

Saving money can be fun, but it can also be a pain in the butt. Sure, you know you could save $5 or $10 on a yard tool by finding it used at a garage sale or thrift shop, but until you physically check out each one of these places, you’ll never know if they...
How To Obtain A Much Needed Raise

How To Obtain A Much Needed Raise

As a result of the economic recession, most Americans have had to deal with rising expenses and housing costs while wages seem to have remained stagnant. It’s a tough pill to swallow when your food, rent, insurance and fuel costs have all gradually increased while...
Should Your Small Business Launch A Podcast?

Should Your Small Business Launch A Podcast?

If you run a small business, whether online or brick and mortar, you might see some of your competitors starting their own podcasts. But what is a podcast and is it right for your business? What Is A Podcast? Simply put a podcast is self-published audio content that...
Burial, Funeral and Final Expense Insurance Explained

Burial, Funeral and Final Expense Insurance Explained

Recently I talked about what death would mean to your family if you passed away unexpectedly. If you allow yourself to “go there” for just a minute, you will quickly realize that your death would put your family into a tough spot. Setting aside the...
4 Common Sense Tips for Investing

4 Common Sense Tips for Investing

Are you currently investing some of your hard-earned money toward retirement? Based on the recent reports, approximately 52% of all Americans are not investing in the stock market, and I sure hope that you’re not included in that staggering percentage. By not...
How to Cut Back on Expenses in a Big City

How to Cut Back on Expenses in a Big City

Reducing your expenses is one of the best ways to improve the way you manage your finances. However, sometimes it’s easier said than done. If you live in a big city or an expensive area with a higher cost of living, it may seem like it’s nearly impossible to scale...
MyFico Review – Is This The Answer To Monitoring Your Credit?

MyFico Review – Is This The Answer To Monitoring Your Credit?

A FICO score is one of the most important three digit numbers that you will ever come across. Essentially, that one number defines who you are, how trustworthy you are, how well you manage your money and more. You must understand that importance of this number and how...
How to Earn More Money at Your Job

How to Earn More Money at Your Job

Out of the millions of people that are able and willing to work, quite a large percentage of them are either underemployed or unemployed (14.5% and 6% respectively) in the United States today, which makes building up a savings account rather difficult to say the...
How to Lower Your Car Insurance Rate

How to Lower Your Car Insurance Rate

Car insurance is one of those pesky expenses that some dread paying each month but wouldn’t imagine going without. For starters, it’s illegal to drive without car insurance in most U.S. states and no matter how much you pay, you get the reassurance that if you ever...
Our Mint.com Review – Should You Use It To Manage Your Finances?

Our Mint.com Review – Should You Use It To Manage Your Finances?

This review of Mint.com is based on my use of the service for the better part of 3 years. Yes, I’ve used it all this time and I must tell you – I like it very much. The best part? It’s free to use! How can you beat that?! Below, I will go into detail...
What Is Renters Insurance And Why Do You Need It?

What Is Renters Insurance And Why Do You Need It?

Renters insurance is really one type of insurance that often gets overlooked. Most people who are renting an apartment forget that this coverage is really important to have. They often assume that if their apartment building or rental house burns down or the roof...
4 Ways to Earn Passive Income

4 Ways to Earn Passive Income

One of the key elements to becoming financially stable and even financially independent is building wealth. The most popular ways to build wealth include investing and establishing a passive income. What is Passive Income? Income from your investments is actually a...
Personal Capital – The Modern Way to Manage Your Net Worth

Personal Capital – The Modern Way to Manage Your Net Worth

Managing your money properly is vital to securing a high net worth. However, actually doing so can be quite a complicated process. I recently came across PersonalCapital.com, a system that promised to allow me to manage my net worth in a modern, easy to understand...
My Simple 3-Part Investment Plan

My Simple 3-Part Investment Plan

Saving for retirement doesn’t have to be complicated. But yet, there are quite a few people out there that are so intimidated by investing that they never even start! Do you know what this ultimately costs them?? Let’s say that Jimmy had the chance to...
Why I Plan to Own My Fixer-Upper Forever

Why I Plan to Own My Fixer-Upper Forever

The average person stays in their home for a duration of five to seven years. Then, they sell it and buy another house that is likely bigger and better than the last, but for what reason? Here are the typical responses that I’ve heard: We want to move to a...
Is An Annuity A Good Choice For Retirement?

Is An Annuity A Good Choice For Retirement?

A person who is in retirement or nearing retirement age will need to make some decisions about the management of their retirement nest egg. One way to use the money is by purchasing an annuity that will convert the nest egg into a steady stream of payments that a...
Retirement Has Nothing to Do With Age

Retirement Has Nothing to Do With Age

The average retirement age has been growing steadily over the past 5 years. In 2010, the average retirement age was 59 years old. Today, that age has climbed to 62 years old, but in all honesty, I think the average age should be much higher. Given our current economic...
Surprising Benefits Of Starting Your Own Business

Surprising Benefits Of Starting Your Own Business

Have you ever considered starting your own business? Even a small side hustle to earn extra money? What you might not realize is that there are some real benefits to starting your own business and some of them, you might just not have thought of before. If you are...
Should You Save Time or Save Money?

Should You Save Time or Save Money?

Have you ever asked yourself the question, “Should I try to do this myself? Or should I just hire a professional to get the job done right?” I have been asking myself this question many times lately as my lawn needs cutting, my windows need replacing, and...
Should You Sell Or Just Remodel Your Home?

Should You Sell Or Just Remodel Your Home?

Sometimes you are just unhappy with your current living situation and you need a change. Perhaps the home you are living in is too small, in the wrong neighborhood, or just doesn’t have the amenities that you want. If that is the case, you need to ask yourself...
A Guide to Saving 6 Months’ Worth of Expenses

A Guide to Saving 6 Months’ Worth of Expenses

No matter where you stand financially, it’s important to have an emergency fund in place. An emergency fund not only gives you peace-of-mind by allowing you to feel more prepared when unexpected expenses pop up, but it can also help you stay out of debt and avoid...
The Shocking Truth About What Retirement Looks Like

The Shocking Truth About What Retirement Looks Like

Warning, if you are looking for a feel-good story about how wonderful your retirement is going to be, just stop reading here… Most of us dream of the day that we retire. The day when all our years work comes to an end. However, what might surprise you is that...
Investing In Commodities – An Overview

Investing In Commodities – An Overview

When looking to the commodities market, one can make some serious gains provided they do their homework. Of course, some people do not understand or follow these markets and have no idea how to make money investing in commodities. Here, we discuss ten of the top...
Top 5 Projects That Will Add Value to Your Home

Top 5 Projects That Will Add Value to Your Home

Home values are still on the rise and properties are selling like hotcakes! Finally, people are gaining equity back in their homes and it makes sense to renovate again. Have you been thinking about fixing up your home recently? Will the project still make sense when...
6 Things You Could be Overpaying For

6 Things You Could be Overpaying For

Sometimes our culture can seem like it’s surrounded by the idea of people actively spending money. It’s understandable that money helps keep the economy going and pretty much everything has a price. On the contrary, it’s common for overspending to be glorified and...
How To Start A Small Business – An 8 Step Guide To Get You Started

How To Start A Small Business – An 8 Step Guide To Get You Started

One of the most rewarding things that a person can do is starting a small business. Being an entrepreneur can give you the ability to explore your passions and creativity, directly profit from your hard work and create something that can be passed onto your children....
8 Considerations For A Successful Retirement

8 Considerations For A Successful Retirement

Want to retire someday? Yeah, I think most people would answer that questions with a resounding “yes!”  However, what you may not know is that most of those same people are woefully unprepared to retire. Most Americans haven’t saved enough to replace...
10 Financial Mistakes to Avoid in Your 20s

10 Financial Mistakes to Avoid in Your 20s

Your 20s will be some of the best times of your life. The milestones, the goals you set, the people you meet, and the experiences you have make it a great time to learn more about yourself and set the tone for the rest of your life. Between college, establishing a...
Do You Need Health Insurance For Your Pet?

Do You Need Health Insurance For Your Pet?

Health insurance isn’t just for humans. It’s frequently possible to get a veterinary insurance policy on your pet. Dogs and cats  don’t tend to rack up bills of the same magnitude as their owners, but they can still be quite hard on the average...
Hidden Costs of Buying a Bigger House

Hidden Costs of Buying a Bigger House

Since 1973, the average family size has gone from a little over 3.0 people down to about 2.55 people – a decrease of 15%. During that same time, the average new home size has increased from 1,650 square feet to 2,650 square feet – a 61% increase! With the...
6 Ways to Reduce the Cost of Travel

6 Ways to Reduce the Cost of Travel

Vacation season is nearly here, and I’m sure a lot of couples and families will be preparing for a trip in the coming months. It’s no secret that traveling is expensive, but it’s also a highly sought after experience. While the best way to reduce the cost of travel...
5 Reasons For a No-Debt Life

5 Reasons For a No-Debt Life

Debt has become a way of life for many of us. Our grandparents hardly knew what debt was, but today if you don’t have some sort of payments, then you’re considered a radical. No car payment? That’s weird. No house payment? Now that’s just plain...
Using a Cash-Only Budget to Get Out of Debt

Using a Cash-Only Budget to Get Out of Debt

When you’re actively trying to pay off debt, it can seem like literally everything is getting in your way and derailing you from your goals. There’s also the fear of sinking deeper into debt, or accumulating new debt right after you become debt free. The fear of...
Lending Club Loans- My Peer To Peer Loan Review

Lending Club Loans- My Peer To Peer Loan Review

Looking for a review of Lending Club? Here’s my personal and first hand experience of getting a loan through LendingClub.com: Have you ever really looked at your credit card interest rates? Some people do some people don’t.  I was one of the...
7 Ways to Save Money With Amazon

7 Ways to Save Money With Amazon

Who doesn’t love a good deal when shopping online? Amazon.com is leading the way in convenience, affordability, accessibility, and quality products when it comes to online retail services. Over the past few years, Amazon has turned into the virtual go-to shopping...
How To Get A Home Loan Or A Mortgage Refinanced

How To Get A Home Loan Or A Mortgage Refinanced

Qualifying for a mortgage is not a mysterious nor a random process. Lenders actually look at a number of factors when determining if you qualify for a home loan and how large of a loan you qualify for. Good credit is extremely important when trying to qualify for a...
How to Live on Practically Nothing

How to Live on Practically Nothing

Have you ever gotten through the month and breathed a sigh of relief because there was still a little bit of money left in your account? Many of us have, and it’s certainly no picnic. When money is tight, life is stressful! So guess what it’s like when...
Top 4 Investing Myths Exposed

Top 4 Investing Myths Exposed

If you’re interested in managing your money better and building wealth eventually, I’m sure investing has probably come across your mind. Investing can be a complex and tricky concept to a lot of people. While there are plenty of benefits involved with investing...
How To Make A Monthly Budget You Can Stick To

How To Make A Monthly Budget You Can Stick To

Having a monthly budget set in place is a way for you to better manage your finances without worrying or stressing over bills you receive regularly. The more actively you get involved with managing your household’s budget, the easier it is to keep yourself...
How To Get Through College Without Taking Student Loans

How To Get Through College Without Taking Student Loans

One of the biggest problems facing college graduates today is student loan debt. College costs are rising dramatically and with that comes increased debt to pay for those costs. Today’s students graduate with tens or even hundreds of thousands of dollars in debt....
5 Ideas For a Cheap Side Business

5 Ideas For a Cheap Side Business

Have you ever thought about starting a small business in addition to your full-time job? It definitely takes some work, but a cheap side business could easily earn you an additional $10,000 a year. Or better yet, if you grow it large enough it could even replace your...
How I Save $6220/yr By Living a Frugal Lifestyle

How I Save $6220/yr By Living a Frugal Lifestyle

Are you looking to save more money this year in order to become content with less and meet your financial goals? The answer is simple. Become frugal. Frugality is not just a habit or a trend, it’s a lifestyle. Frugal living involves being resourceful and choosing to...
What Are The Best Credit Cards For Travel?

What Are The Best Credit Cards For Travel?

Travel credit cards are ideal for people who travel frequently. They offer some amazing rewards including free flights, nights at top-tier hotels, access to exclusive airport lounges etc. These benefits make them equally suitable for people who want to avoid shelling...
What Will $1,000,000 Be Worth When You Retire?

What Will $1,000,000 Be Worth When You Retire?

The term, “millionaire” still sounds impressive today, but should it really? Due to inflation, the purchasing power of a million dollars is decreasing every year. If you are planning to scrimp and save your way to millionaire status 40 years from now, will...
How Does Whole Life Insurance Work?

How Does Whole Life Insurance Work?

Considering a whole life insurance policy? If so, you might have questions about how these whole life policies work. If you’re looking to augment your existing life insurance coverage or to purchase your first life insurance policy, it pays to know the types of...
Paying Off Your Debts: How to Get Started

Paying Off Your Debts: How to Get Started

Have you ever witnessed the benefits of being debt free and then longed to get rid of your own debts? I have seen it many times, but often people are intimidated by the initial steps and instead just accept their fate of being in debt forever. This does not have to...
The ABCs of Establishing A Solid Emergency Fund

The ABCs of Establishing A Solid Emergency Fund

Saving up for emergency expenses by building up a solid emergency fund should be included in everyone’s financial plan. Unexpected events and expenses are going to pop up, that’s life. It’s important to be prepared for a rainy day whether it is a job loss, medical...
What Is The Best Age To Buy Term Life Insurance?

What Is The Best Age To Buy Term Life Insurance?

If you are considering buying life insurance you might be interested to know: what is the best age to make that purchase? Life insurance policies are seemingly simple products right? You buy a policy, something unexpected happens to you and your beneficiary receives a...
Save 70% or More by Thinking Outside of the Box

Save 70% or More by Thinking Outside of the Box

There are so many articles on the Internet today that talk about saving money, but many of the ideas will only save you 10% or 20% off the full retail price. Sure, this saves you money if you were going to pay the retail price initially, but many of us conscientious...
How To Start Saving When You Have a Low Income

How To Start Saving When You Have a Low Income

What are your short term and long term financial goals? Do you want to pay off debt, start investing in the market, purchase a home, fund your retirement, or just stop living paycheck to paycheck? All of these financial goals require you to do one thing…start saving....
6 Proven Ways To Save Money On Your Monthly Expenses

6 Proven Ways To Save Money On Your Monthly Expenses

As you know, we Americans are consumers of debt. This fact has meant that many of us are in over our head and some of use can’t even manage the interest on the debt we carry. For this reason, paying off debt should be your number one priority. Of course, to pay off...