• 7 Savings Tips that Backfire

    When Savings Cost More- Seven Money Saving Tips That Can Backfire

    Seems like everyone has an opinion about money – how you should spend it, how you should invest it, and how you should save it. But as someone who has made a career out of helping folks pay off debt and get their finances back on track, I can...
  • great-depression

    Learn 5 Ways To Live Frugal from The Great Depression

    Perhaps you have an older family member – a grandparent or a great-grandparent, maybe – who can remember life during the Great Depression. If so, you’ve no doubt heard stories about how tough things were back then: People struggled to find work. Finances were tight. Budgets were tighter. You...
  • How to Avoid 6 Financial Missteps You May Regret

    Six Financial Missteps You’ll Regret

    If you’re like most people, you probably have a regret or two. It’s only natural to look back and think, “If only I’d done XX instead of YY,” or “I wish I’d known about YY before I decided ZZ.” Hindsight, as they say, is 20/20. And everyone makes mistakes....
  • Debt Mistakes

    Debt Reduction Mistakes to Avoid

    Do a quick Google search of something like “pay down debt” or “debt advice” or “credit card payoff” and one thing becomes very clear: Just about everyone has an opinion about the best way to pay down debt. Some folks are huge proponents of the snowball method; others are...
  • best-financial-apps-blog

    The Best Apps and Websites for Budgeting and Saving

    It’s easy to spend money online – too easy, really. It’s near-impossible to surf the web without being bombarded by advertisements and sales emails targeted to your exact preferences and interests. With a few clicks, you can find yourself spending money you don’t have on things you don’t really...
  • Building A Great Credit Score

    Want to Build Great Credit Seven is the Magic Number

    Here’s something that might surprise you: While it’s absolutely true that responsible credit use is a must for establishing a good credit score and a strong credit history, time is also a factor. Simply having a few years of established credit is a step in the right direction. Sometimes,...
  • handle-debt-collectors-blog

    A Quick Guide to Dealing With Debt Collectors

    Debt is stressful, but falling behind on loan or credit card payments can open the doors to an entirely new level of stress – and a near-endless stream of calls from debt collectors. You’ve probably heard a story or two about debt collectors using scare tactics and less-than-legal tactics...
  • social-media-buying

    Friending and Spending Social Media and Money

    There’s more to social sharing sites than witty status updates, silly memes, and cat photos. Social media can influence our behavior in all kinds of ways, including our spending habits. This makes sense, if you think about it: There’s the friend whose Instagram feed is an endless stream of...
  • how-not-to-use-credit

    Purchases you should NEVER Make with Your Credit Card

    I’ve written several blogs about how to use credit cards the right way – paying off your balance in full; not applying for too many accounts; not treating credit cards like an emergency fund or a source of supplementary income. But credit card use isn’t just about behavior and...
  • How to stop Impulse Buying

    Curb Impulse Buying to Stop Overspending

    If you want to save more money, pay down debt, and become all-around more financially responsible, all you have to do is stop spending money on stuff you don’t need. Sure, that sounds easy. Just stop spending. End of story. But if changing your spending behavior were as simple...