Money

By Life is Not Hard • March 17th, 2009

Here is an interesting article that was on CNN today, with some tips on saving money.  The tips include getting rid of your cell phone, saving on clothes and not eating out.  Most of it is basic stuff, that most people budgeting are already aware of.  I’m not sure if it is possible to save [...]

Since an increasingly high percentage of the active shopping population suffer from overspending tendencies that lead to debt, the number of people that are seeking ways to curb their spending habits is increasing.  When overspending decreases, the amount of money that can be allocated towards debt repayment and establishing savings increases.
Here are five ways that [...]

As many of my loyal readers know, for many years I looked for an alternative to Quicken and an alternative to Microsoft Money. I found it in YNAB Pro and couldn’t be happier. However, since it uses a much different methodology than Quicken and Money I have posted the following videos that walk [...]

An astonishing eighty percent of households are spending more money than they make. This means that every month these households are using credit to cover the shortfalls that exist between the income and the expenses. The majority of the money that is being used over the income is used for wants, rather than needs. These [...]

When I first released my guide “How to Make Money in College” I didn’t realize the amount of feedback I would receive.  Although I provided some basic ways to make money, you demanded more.  My readers liked the idea of making money online, but wanted a step-by-step guide that showed them exactly what needed to [...]

Credit card debt can be best described as overwhelming. When tackling the repayment of credit card debt, it is important to create a debt repayment plan. A debt repayment plan will organize the process and allow the cardholder to become debt free quicker than they would while haphazardly repaying various credit cards. The debt repayment [...]

This morning I received a call saying that my American Express credit card was past due and that it was being put on hold. How can this be?
First I will give you a little background on my card. In October I decided that I would like to start paying this card on a [...]

If you are a previous user of Quicken or Money like myself and think that personal finance software isn’t for you, I suggest you give it one more shot and try YNAB Pro.

This is the first post I have actually written from my phone. I usually wait until I am in front of my computer to update my blog, but what I just heard was to good to pass up.
On my lunch break I had a check I needed to deposit into my Washington Mutual account. [...]

I just read an article by Ben Steverman posted on MSNBC which listed 20 personal finance ideas for 2009. The ideas were compiled after BusinessWeek asked several financial planners for advice for the new year. Here is the list.

Don’t try to predict the future.
Do keep enough cash available.
Do invest internationally.
Don’t try to pick [...]

Credit cards are one of the most expensive credit financial services available to consumers. The “hidden” fees that come with credit cards are charged to consumers, but most customers aren’t aware of these fees, as they have not read the fine print in the credit card agreement upon account opening.
Being late on a credit [...]

If you have a credit card, than you are familiar with the common amount, the minimal monthly payment that must be made. Many customers fall into a trap of minimum monthly payments, and extend the life of their debt by years when only paying this small amount. The majority of this amount is charged to [...]

Get my free report that will show you how to make money in college. There are plenty of jobs for college students, but I will show you which ones will put money in your pocket without interfering with your studies.

I just read a post over at GetRichSlowly about “adult allowance”. The idea is simple. At the beginning of the month you take out a cash allowance from your ATM and keep that money with you. This money is then used to buy “wants”. “Wants” are things you want but don’t [...]

Each Sunday, I sit down and read the Sunday paper and like most people I usually discard the coupon inserts. Just recently I began to think how silly it was for me to have a site recommending different ways to organize your personal finances, while I was throwing money away each week. I [...]

It’s coming up on the Holiday Season and once again one of the hottest toys this year is Elmo. If you haven’t seen Elmo Live yet, check out the video below. It’s like having your own little Muppet!

As it gets closer to Christmas Elmo gets harder and harder to find at stores. [...]

I’m sure you have all seen the ads promoting the ability to work from home and make tons of money using the internet. A couple years ago, it was fairly simple to throw up a website, put some ads on there, do a little promotion and blam!, money began rolling in. Those days [...]

Since a lot of students read my site, I thought I’d write about jobs for high school and college students. The first part time job I took was when I was fifteen years old. My Mom told me that if I wanted to drive when I was sixteen I needed to get a [...]

Many sites have outlined the advantages and disadvantages for Internet banking. I have two accounts that I use. One is my checking account with WAMU and the other is my savings account with ING. I love the granularity I get with my WAMU automatic payments, which includes options all the way down [...]

High end Halloween costumes for kids don’t have to be super expensive. Here are a list of costumes for kids that can be purchased without breaking the bank during these tough financial times. Happy Halloween everyone!

When I first set out to expand my financial knowledge many recommended that I look into Warren Buffet. Since that time I have read many books and articles on the man and how he sees the stock market. For those of you that are unaware of who Warren Buffett is, I suggest you do a quick Google search for him. He is really a fascinating person. This past week a new book came out The Snowball. I have been looking

As many of you know, my goal on this site is to pass along information that I have learned over the years that I feel should have been taught to me in school but wasn’t. Most of my debt was built from my second year of college to about 5 years post graduation. [...]

I recently took my car in for the scheduled maintenance, which I do every time the scheduled maintenance light comes on. I own a 2006 Honda Accord and like taking it to the dealer for the regular checks, at least until the warranty is up. On my last trip there was some recommended [...]

I know many of you have been requesting that I write a post on my experience with the personal budget software, YNAB Pro. I have mentioned it in several posts but have yet to give my YNAB Pro review. Spoiler alert - I love it!

Each month I try to read as much financial information as I can get my hands on. Last month I read an interesting Q and A section in Kiplinger magazine which discussed free credit monitoring services. The free service is being offered due to TransUnion violating the Fair Credit Reporting Act. If [...]