Tag Archives: Debt

10 Ways to Avoid Lifestyle Inflation

What is the first thing you do when you find out you’re going to get a raise at work? If your answer is to spend it on things that you have had your eye on, you probably someone who participates … Continue reading

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Money Management from A to Z

By Jamie Englert Managing your finances may seem like a dizzying mass of numbers. But you can also think of personal finance in terms of letters, as in the initials of some important personal finance terms to know. From bonds … Continue reading

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Death by Debt: 25 Ways You’re Killing Your Credit

By Jason Bushey Few sectors of personal finance are as misunderstood as credit. We’ve all been passed on some semblance of how credit score works by our parents, but often those before us are as confused about their scores as … Continue reading

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10 Ways Life Gets Better When You Get Out of Debt

Have you ever had to cut back on your expenses or choose between paying the water bill or the electricity bill? When you’re drowning in debt, it might seem as though you’ll never break free. It seems that there is … Continue reading

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10 Daily Actions Keeping You in Debt

It’s hard to get out of debt. Sometimes it’s easy to feel that no matter how hard you try, you’ll never be able to pay off all your debt and expenses. While you might have reassessed your finances and figured … Continue reading

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13 Ways to Prepare for a Layoff

Layoffs are hard, but not all layoffs are totally unexpected. Often you can see a layoff coming if you keep your eyes and ears open. Some warning signs: The company seems to be struggling and bills aren’t getting paid or … Continue reading

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The Significance of Income Level

When people start throwing around financial advice (and when you’re deciding which advice to take), one of the considerations that often gets ignored is the significance of income level. Advice gets thrown around about what to cut and how to … Continue reading

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10 Reasons Getting Out Of Debt Is Worth It

When it comes to reducing your debt, there are a lot of good reasons to pay off debt beyond the obvious. The benefits of becoming debt free are numerous and have to potential to improve a number of areas of … Continue reading

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Budget Categories Are Not Licenses to Spend

On one of the financial forums I frequent, a woman who was deep in debt posted looking for help. The main problem was that she couldn’t understand how their debt had ballooned because, “We have a budget.” When other posters … Continue reading

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Finance Topics They Don’t Teach In High School, But Should

One of the biggest disgraces of the school system is that it often fails to teach basics that we all need for everyday life once we graduate. A prime example of this is basic personal finances. If we could get … Continue reading

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Ten Ways We Psychologically Hurt Our Relationship With Money

By Dr. Charles Richards Why is it that just when everything seems to be going well financially and you feel like you’re getting ahead, something seems to crop up that alters your plans? In my practice as a psychotherapist, I’ve … Continue reading

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Money Mistakes: Perfection Isn’t Possible

I get kind of irritated when I see people on financial forums tearing another poster apart because they’ve done something stupid with money. Well, so have we all at one time or another. Perfection with money isn’t possible. Even if … Continue reading

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Snowflaking: 30 Ways to Snowflake Your Debt Away

Most people that have decided to take control of their finances and reduce their debt have come across at least one of the various debt snowball methods. Basically, creating a debt snowball is a way to arrange one’s debt so … Continue reading

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Financial Misery Loves Company

When you and all of your friends or family are deeply in debt, you can all be miserable together. You can gripe about your finances, complain about how there’s never enough money for everything, and then go shopping anyway. You … Continue reading

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Money and Weight Loss: Getting Past the Plateau

Getting your finances in order is a lot like weight loss. You start off great in the beginning. You drop a lot of debt quickly. It’s almost too easy to cut expenses. You realize that you’ve got lots of things … Continue reading

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Stop Robbing Your Future Wealth

One of the hardest things for many people to see in relation to their finances is how their actions today are robbing them of future wealth. It’s easy to focus on today and think that if you can make the … Continue reading

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What Changes Your Life?

When it’s time to make financial decisions such as contributing to your retirement, paying down debt, saving for college, buying a home, and building an emergency fund, you need to ask yourself a question. “Will this change my life for … Continue reading

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We Create Many of Our Own Financial Problems

A coworker came to me moaning about her debt level the other day. Her New Year’s resolution is to get out of debt and she wanted to know where to start. I asked her what kind of debt she had. … Continue reading

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Pain Free Cost Cutting

Over the years, I have called the cable company to reduce the amount of money my mom pays for her cable TV on a fairly regular basis. I just did it again this week and saved her $170 over a … Continue reading

Posted in Budgeting, Credit Cards, Debt, Frugal, Personal Finance, Saving Money, Shopping, Utilities | Tagged , , , , , , , , , | 6 Comments