Many people have different philosophies on using credit cards. Some think they are a bad financial choice and others feel they are great. According to the Dave Ramsey Budgeting Style you should never use credit cards, only debit. I am kind of in the middle- I feel that depending on your spending habits they could be either. Credit cards must be used wisely and not in a way that makes you feel like you have an endless bank account. Although {Read More}

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Have Home Insurance and think you are covered? You might want to read those policies. There are several things that could damage your home or cost you money that are probably not in your policy. Sometimes you can add in extra insurance for an added fee, others are never covered. So it’s always a good idea to have backup savings. Also read: 7 Budgeting Mistakes and How to Avoid Them Mold– Mold is gross and can make you sick, but {Read More}

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In thіѕ сurrеnt economic tіmе, mаnу families аrе gеttіng аn unpleasant shock whеn оnе person loses a job. Suddenly, thеу аrе forced tо live оn оnе income. If thіѕ hаѕ happened tо уоu, dоn’t panic. Surviving economic hardships іѕ nоt аbоut hоw muсh money a person makes; іt іѕ аbоut learning hоw tо manage уоur resources аnd finances. In 2008/2009 BOTH Jon and I lost our businesses (in the middle of an expensive house remodel).  It was a tough road {Read More}

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Do you shop at Walmart?  It’s a great way to save because not only do they price match they also accept some competitor coupons. Lots of your local groceries offer store coupons and you might be able to take those and use them at Walmart. According to the Walmart website they accept competitor coupons for: A specific item for a specified price, for example, $2.99 Buy one, get one free (BOGO) coupons for items with a specified price Have a valid expiration {Read More}

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