How to Manage Loans and Credit Cards

If you want a life that is as free from issues as possible you need to learn how to manage your loans and credit cards effectively. Doing so means that you do not end up owing more than you can afford to pay and fall behind in your payments. The average American has $38,000 worth …

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Why I lost my frugal mojo and how I’m getting it back

frugal mojo

Frugal mojo… Did you lose your’s over the holidays? Can I see a show of hands? If you could see me, you’d see I’ve got both hands in the air. Plus spirit fingers! My frugal mojo is currently contemplating holidaying permanently with the dodo. I need to recall it from the edges of extinction. NOW. I’d …

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15 Frugal Living Tips – To Get You Started

frugal living tips to get you strarted

Frugal living doesn’t come naturally to everyone. Lots of us, me included, are used to spending what we have on what we need, when we need it. There was a time in my life when I spent without thinking about the future, I spent without considering the detrimental effects of credit card debt and, probably …

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How to Stay in Control of your Automatic Bill Payments

automatic bill payments

Putting your finances on autopilot is a great way to stay on top of your regular bills and savings. Setting up automatic bill payments helps reduce the possibility of missing a payment and getting hit with a late fee plus it can remove or at least reduce any anxiety you might feel when it comes to …

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$20 Spending Challenge – 10 days, $20

Sometimes, disaster really is the mother of invention. In this case, money got tight, really tight. I needed to avoid spending, any spending, for 10 days and so, the $20 spending challenge was born. As I talked about in The Dangers of Denial, my once successful online retail business took a serious downturn. The last 12 …

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The Top 5 Online Debt Reduction Calculators

online debt reduction calculators

In a previous post, I discussed paying off your debt as being one of the Five savings goals that will change your life. Chances are, you’re well aware of how being debt free will have a huge, positive impact on your life, you’re just not sure where to start, or how to figure out what to pay. …

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Five Savings Goals that will Change Your Life

5 savings goals that will change your life

Struggling to take that first step to financial freedom? If you are, don’t despair. Read on to see how these five savings goals will change your life. The big question most of us struggle with is this: Which should you do first; save for the future or pay for the past? I think you need to do a …

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