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A reader recently wrote to me saying they loved my site and tips but wondered why I didn’t talk about debt consolidation loans. This reader, [...]
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The following is a guest post by Lynnae of Being Frugal.net, a blog about frugal living and getting out of debt. If you enjoy this post, consider subscribing to Being Frugal.net via RSS or email.
Recently I cut up my credit cards. We’ll get to why in a minute. But [...]
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For the past two weeks, I’ve been spending time cleaning up my finances. I’ve been evaluating all of my auto payments, making sure they are all set-up like they should, looking at my automatic savings deposits for our property tax fund, Christmas fund, and emergency savings to make sure they are set-up. [...]
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Credit card commercials really make me mad. Credit card companies are smart and they really know how to play to your emotions. They really want you to believe that by getting what you want when you want it you will have a “priceless moment” or that “life takes Visa” and using [...]
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As I write this article, I am surrounded by boxes, new gifts, and the remaining bits of wrapping paper. Our house is in a bit of chaos, but that’s alright, it was a wonderful Christmas both financially and emotionally. This Christmas was one of our best Christmases ever.
This was the first [...]
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This article is part of a group writing project started by Lynnae at Being Frugal. 11 different personal finance blogs are participating in the effort and are writing a series called The Twelve Days of Christmas - Personal Finance style. You’ll find links to all of the other articles towards the [...]
“Thank God for Credit Cards!” where the words spoken my our neighbor and minister’s wife while talking one evening at our local Toys-R-Us. We had taken the kids over to Toys-R-Us to help them come up with their Christmas list. While browsing through the store, we heard a friend shout “Hey!” (southern speak [...]
I just hung-up the phone with Chase after once again trying to request a rate reduction. I called them as almost weekly I receive convenience check offers and balance transfer offers from them for 0% and 4.99%. The cover letters always begin with “A special offer for a valued Chase Customer…your account has [...]
One evening a few weeks ago, we stopped at our local convenience store to get some gas. I walked inside to grab a drink. I don’t recall the details of the conversation, but at some point the clerk working the counter said:
Credit is a disease that you won’t catch here!
He was referring [...]
Timothy 4:4-5- Since everything God created is good, we should not reject any of it but receive it with thanks. For we know it is made acceptable by the word of God and prayer.
If you have ever listened to Dave Ramsey or read his book Total Money Makeover you’ve heard him say many [...]
Talking with some friends the other day, I came to realize that many people in debt aren’t even truly aware of it. How can this be? Modern society has somewhat changed the definition of debt or at the very least has managed to put itself into denial about about what debt truly is [...]
We decided to visit the fair last night. In the arena section of the fair, there is what I call a “vendor” section that is full of tables and displays for local politicians, government agencies and businesses. As we were walking by, a large green sign caught my attention. It read:
Get [...]
Was reading an article on CNN Money that said the following:
Good debt includes anything you need but can’t afford to pay for up front without wiping out cash reserves or liquidating all your investments. In cases where debt makes sense, only take loans for which you can afford the monthly payments.
Bad debt includes debt you’ve [...]
Yesterday a couple of credit card related articles showed up on Get Rich Slowly. One article was by JD himself and had a few people surprised, the other by a guest. Both articles have caused quite a bit of conversation in the comments.
As my readers know, I hate credit cards and am a [...]
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