While the summer season may still be in full force, the start of the school year is not too far off. In a few weeks, parents will be getting letters in the mail with their children’s room assignments, teachers, and a long list of school supplies.Whether your children...

 Is it your dream to be debt free? Well, you are not alone. There are millions of people that practice debt-free living every day.But what makes them different than the other group of millions that carry credit card balances and are loaded with other types of debt?How...

If you are trying to maximize your income, preparing meals are home will be your most cost-efficient way of eating. Not only does cooking at home save money, it is often healthier because the portions eaten are smaller.But even shopping for groceries can be expensive,...

Some say it is the American dream...owning your home. But before you can own your own home, you have to understand how to save money for a home. There are also a number of costs associated with owning your own home. It is more than just a down payment and a mortgage....

Life will constantly remind that you need to have extra money set aside for the unplanned surprises that come along. Statistics say that even a $500 unplanned expenses will be a hardship for most families. Think about what $1,000 could do for you when an unplanned...

Setting financial goals is a big part of reaching financial freedom. Experts say you are more likely to achieve goals if you put them in writing and monitor them regularly. With the new year upon us, it is time to look at your short term financial goals (what you want...

Budget...just the sound of the word makes me feel uneasy. It gives me a feeling of restriction and no fun, but really it is not that at all. A simple budget is one small part of your journey to financial freedom. It is what will help you payoff your debt as well as...

As the new year is right around the corner, our thoughts turn to what we are going to do this year that we did not do last year. Why not make this your year by doing the things to it takes you to be successful financially. Being financially successful isn’t rocket...

Getting a paycheck is one of the most rewarding things in our lives. Without it we would not have most of things we have and would be without many necessities. A paycheck puts food on the table, a roof over our heads and clothes on our backs. These are just the simple...

The longer I go through life the more I embrace the minimalist way of living. There is a reason Mark Zuckerburg and Steve Jobs opted to wear the same neutral colors every day. The fewer useless decisions you are forced to make each day, the sharper you will be when it...

If you spend much time online reading personal finance sites, it will not be long before you start coming across information and personal stories about minimalism. People who are successful and live a “zen” lifestyle all talk about minimalism and its benefits. In a...

Wanna achieve a goal? Challenge yourself! Write down a money challenge goal, set a time to achieve it and create a fun tracker that will let you track your progress. It is that simple. At least in theory, it should be. Whether you're a professional money manager or...

Christmas is a time of celebration, family and giving. While it can be a lot of fun, it can also be filled with its share of stress. Planning will go a long way when it comes to having less stress and creating an enjoyable time for all. Another holiday concern is how...

What makes some people savers and others spenders? Just because you have always been a spender does not mean you cannot start saving and spend less. And on the flip side, if you save every penny you make, it might be time to loosen the purse strings and start...

Personal finance books can range from a step-by-step guide for getting out of debt to a plan for saving for retirement and everything in-between. If you are going through something in your life or just want to gain more knowledge, reading a book is a great way to do...

Have you come to the end of the money and it is not time for your paycheck yet? Is this a recurring problem in your life? If so, it may not be about needing more money to live on. It could be about habits you have developed that are keeping you in the poor house. I...

Personal financial planning has changed over time as more options for saving for retirement have become available to individuals. If you  compare a 401(k) vs Roth IRA, is one better than the other? Can you have both? There are a lot of choices when it comes to...

Setting financial goals…it is the first step to making your dreams come true. It is the fun part of financial planning. You can put down on paper exactly what you want out of life. The challenge may be planning how you are going to achieve these goals. A...

You wonder how people with low income manage to have nice things and save money on top of it. Simple, they are willing to give up things to save money. They buy only what they need and that is the path we went down to save thousands each year by avoiding unnecessary...

Living frugally is one of the best ways to save money. Wondering how to live frugally? It is all about identifying ways to spend less money on expenses and other costs. And it can be done by anyone, no matter where you live. Living frugally is as simple as evaluating...

College can be one of the biggest investments you will make in yourself and your children. If you take the time to plan and look at all your options for getting a college education at the best price, you will find you do not have to spend 10+ years paying off student...

It seems like almost daily we receive a bill in the mail that needs paid. Or are you one of the lucky few that has your bills setup to pay automatically? Nonetheless, our daily lives are full of expenses and there are times they can become overwhelming. There are even...

Whether you are trying to get out of debt or just trying to control your household expenses, a budget is essential part of financial planning. You can simplify the process of personal financial planning by putting it all down on paper. Using free budget planning...

With the exception of buying a home, paying for college will be one of the highest costs in your life. What is the best way to save for college? If you take the time to plan your education, you can do a lot to reduce the cost of education substantially. The Best Way...