free and frugal

Modern Finances: Free and Frugal Ways to Enjoy All Your Tech Devices

You may love using all of your mobile devices and other gadget technology you have, but you may also feel like they are pretty expensive to keep up with. This can be a real problem for people who are on a tight budget, or who may just find their monthly credit card bill increasing to […]

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penny pinching

35 Extreme Penny Pinching Tips for Saving Real Money

So you need to do some extreme penny pinching; You want to put your pennies in a vice and squeeze every morsel of buying power out of them. Let’s do it. What do you do when life suddenly kicks you down, and you have to stretch every dollar you have? Injury, illness, losing your job […]

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simple living

Simple Living: A Life With Less Stuff

Human beings are like magpies. You see something shiny and you want to buy it. Buying new, shiny things gives a buzz of excitement, an immediate gratification. But the thrill is short lived. Soon your proud new purchase becomes just another barely-used item taking up space in your house. In today’s demanding world of high-pressure […]

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controlling renovation costs

Controlling Renovation Costs: Stay in Place or Move Out Temporarily?

Planning a major renovation can be the ideal way to improve your home. You might be considering remodeling the kitchen or bathroom. Perhaps you’re thinking about adding additional rooms to expand your living space.   Regardless of the type of renovation project you’re planning, the question of whether to stay in the home or move […]

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student loan debt

5 Strategies for Managing Student Loan Debt After Graduation

Graduating students who have taken out student loans are often in for a bit of a surprise soon after graduation. Reality starts to sink in once you receive your first student loan bill in the mail. The average amount of student loan debt is in the $33,000 range and 1 in 5 students graduate owing […]

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Dealspotr Mission

Dealspotr: Changing the Way People Share Online Deals

Dealspotr is changing the way people find and share deals online. Through crowdsourcing coupons and promo codes, Dealspotr has created the largest and most accurate real-time database of deals available. I am always interested in finding the best online deals and sharing them with my readers so I decided to checkout Dealspotr.     What […]

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tax deductible interest

Managing Tax Deductible Interest on Non Personal Loans

This article has been updated for the 2016 Tax Year With tax season just around the bend, you might be starting to pull all your bank statements and other financial documentation together. You also might be wondering if there are any new changes to the tax code that might effect your personal or business tax […]

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financial hangover

Top Finance Tips – How to Avoid a Holiday Financial Hangover

The holidays are a special time of the year when family and friends gather to celebrate and enjoy each other’s company.   The holiday season is often associated with splurging and it’s a great time to consider these tips to keep the focus on the true meaning of the holidays and help keep your spending […]

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Top 4 Ways to ruin your FICO credit score

Top 4 Ways to Ruin Your FICO® Credit Score

Your credit score is one of the most important pieces of information financial institutions use to determine everything from the interest rate you’ll pay to the type of loan you qualify for.  There are many things that can negatively affect your Credit Score and your ability to effectively manage it may well save you thousands […]

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paying off debt

Top Reasons You’re Not Saving and Paying Off Debt

Americans feel saving and paying off debt is a high priority however, many are not saving as much as they would like.  According to a recent survey by Discover Personal Loans, 40% of Americans have reduced the amount they are saving and 38% were saving to pay off debt.  Here are several reasons why we […]

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get control of your finances

4 Easy Steps to Get Control of Your Finances

Are your finances a mess?  If you are living paycheck to paycheck it just might be time to get control of your finances.  We put together 4 easy steps that will help you get your finances back on track. 1.  Put a Hold on Unnecessary Spending Lets face it, if your spending is out of […]

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find your next job

5 Ways to Find Your Next Job

When it comes to job hunting, most people know to check the employment guide in Saturday’s newspaper or log onto their favorite online job search engine. There are other ways to help secure your dream job though – and sometimes you don’t even need to wait for the position to be advertised. Below are five […]

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best time to buy

Knowing the Best Time to Buy Can Save You Big Money

Knowing the best time to buy is often tied to when retailers are making room for new product models or around seasonal shopping holidays. Shopping for big ticket items  Use the month by month guide below to see when the most popular consumer products are on sale. In addition, here are some shopping tips and […]

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every penny counts

When Every Penny Counts: Expecting the Unexpected When Cash is Low

We are all different and while some of us seem to be able to take a potential financial crisis in stride and remain calm while we find a solution, others can get stressed by their lack of preparation for such an event.   Whatever your normal reaction to an unexpected bill happens to be, the […]

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Trumponomics

How Trumponomics Could Affect Your Finances

In 2016, we saw one of the most hotly-contested presidential elections in recent history.  With political change sweeping across the country, there is no doubt that we will see new laws and rules in the United States.  This will impact people in a variety of different ways — including individual financial health. While no laws […]

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