It is often a good thing to take a look at a debt calculator to find the total Real Debt (debt+ interest) that you will pay and when you will have it paid off. If you use a tool like this you can determine the least expensive way (least amount of interest) you will …
Save Money
Thanksgiving and Christmas are two of my favorite holidays. It is a wonderful time of the year! Yet, it can be very stressful and expensive. Some of my favorite holiday memories and moments were those that did not involve stress or extravagance. As I think about past holiday seasons, I remember tons of free (or …
Energy is a big expense. When I say energy I’m referring to power/electric, and gas. These bills can be very high if you own a home in a less temperate area. It makes sense to try to lower your bills if you can do so with relative ease. Here is a list of what …
My great grandfather, great grandmother, my grandmother, my mom, and I span four generations. All of us have graduated from a university or similar schooling. We all really value education and working hard to attain a degree. My ancestors really had to work hard, make sacrifices, and be strong in order to attain an education. …
The average kitchen remodels costs $25,000-$100,000 depending on location (including appliances). There are many ways to reduce this gigantic figure. Sometimes you do have to sacrifice quality for the price but sometimes you don’t. In the examples below I will show you two kitchens that I have helped to remodel which have been done for …
When we found my dream home. Although it was a ‘fixer upper’ it had a great floor plan, had many endearing features, matched up with most all of my ‘must-haves’ and ‘wants’, and was in the right price range. We had bid on another house shortly before we found our home but since it was a …
I save thousands each and every year… sometimes I save thousands in a month using these 15 tips and strategies when I go garage/yard sale-ing. The year of our entire home remodel and the year of preparing and saving on our first baby, I easily saved over ten thousand dollars each year! Although it may seem …
Whether we have written them down or not, the vast majority of us have dreams and goals. There are places we want to travel to, perhaps a home, car, or motorcycle we want to buy, an amazing cruise to go on, sky diving, swimming with sharks, climbing Mt. Everest, etc. Whatever our dreams are on …
Walgreens can be a bit tricky to save money and coupon at. But don’t let that discourage you because the deals there can are AMAZING (especially during big sales and Black Friday). I’m often getting household supplies, makeup, even food for 40-100% off there. When people hear that they are surprised because it’s actually kind …
All of us have had bad breath at some point or another. It’s often embarrassing and uncomfortable. One of the most common things to do is to chew gum. But there are times when chewing gum really isn’t available, convenient, and/or acceptable. For example chewing gum may not be acceptable in public performances (singing, acting, public …
Elementary through High School can get pretty pricey. There are all sorts of things to buy: clothes; shoes; athletic gear or other uniforms; fees for clubs, teams, groups; school supplies such as pens, binders, paper, etc.; school lunches and snacks; transportation to and from school; physicals; books; and extra curricular activity expenses. Although you …