Just because you want to save a few bucks here and there… does being frugal mean you are cheap? Or does it make you smart? Many times, this debate can become very heated over a holiday dinner conversation. Are you frugal? Are you cheap? Frugal vs. cheap. The debate can get heated between friends. The opinions on both of them vary differently, and honestly, it is because … [Read more...] about Frugal vs Cheap – Does Being Frugal Mean you are Cheap?
Debt snowball method is a wildly popular way to pay off debt. It has helped millions of people pay off their debt, which is great. However, it may not be the best method to actually pay off debt in the end. Wait... Isn't the debt snowball the only way to pay off debt? That is what Dave Ramsey teaches everyone to do, right? There may be other methods - debt avalanche or debt … [Read more...] about 5 Reasons NOT to Choose the Popular Debt Snowball Method
Contemplating what to do with your tax return? The average tax return is typically about $3000. What are the best ways to spend my tax return? One side of the coin would be to save it - just like any prudent, well-meaning adult would do. On the flip side of the coin, it would be to blow it, let the reins loose and enjoy a little bit more than normal. Don’t worry… Every other … [Read more...] about 7 Humorous Ways on How NOT to Spend Tax Refund (Yet they happen)
This is probably one of the top questions I get all the time... Should I pay off debt or save money? There is a very clear answer on what you should do. We just need to make sure you have a few things in order first. The one (big) thing we learned before our successful attempt to pay off our debt is we were trying to accomplish everything at once. It was very difficult to make progress on … [Read more...] about Should I Pay Off Debt or Save Money – Yes!
The good and bad with taxes. The good news is hopefully you are receiving some tax refund back. The bad news is you have to file your taxes. (If you haven't started yet, learn how to file your taxes online in one afternoon.) For this post, we are going to focus on the good news. You have a tax refund coming your way! Now, decisions have to be made on what to do with your tax refund. … [Read more...] about 10 Smart Ways to Spend Tax Return & Not Blow It
Having fun doesn't have to cost a fortune! But, that is the trap, we find ourselves in. We believe that in order to have fun, you must spend money. However, we are going to debunk that myth. It is possible to have fun without spending money. This is something my family does ALL-THE-TIME. There are plenty of places to go when you have no money. There is so much available in our society to … [Read more...] about 101 Fun Things To Do With No Money