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debt-free

This tag is associated with 10 posts

HELP! SEPTEMBER! I’M DROWNING!


  Why does September school startup always come as such an unpleasant shock? Is it because it is a black hole for money? First, there are school clothes and school supplies, like the new backpack which will cause your kid to see a chiropractor for the rest of her life, gym clothes, lockers fees, art … Continue reading

10 Ways to Avoid Student Loans


Many ways to avoid educational debt do not involve being a scholarship student.  People of average intelligence can also go through school debt-free. Yes, they can. It may take patience; however, at the end of the day, when you’ve earned the degree, there will be no debt payments.              These tips apply whether you are … Continue reading

Time Running Out? Plan a Life Worth Living.


Plan a life worth living. Continue reading

MARCHBREAK EXPENSES ARE NOT FUN!


    If you have kids, you are in for it now.  March Break. Either they are at some type of camp, an extra expense, or you are scrambling to find cheap things to entertain them.  While you enjoy spending time with the kids, it can also be stressful if you don’t have the money … Continue reading

WHERE IS THAT$40 YOU TOOK OUT THIS MORNING?!?


  Follow me now into the dark labyrinth of your shopping day. Day One: 9 am. You merrily go to the bank machine, take out $40 in cash, and feel, what, loaded? Healthy? Happy?   10 am. You hit the grocery store for a bottle of mustard.  You know,the gourmet kind with the seeds. You … Continue reading

Groceries which You do not Eat are not Groceries


  The dictionary defines Groceries as products you get from a grocer. Ergo, this could be cat food, laundry detergent, and celery. But, the money you put aside for weekly groceries needs to reflect the things you are buying. If you have a pet, wouldn’t a Pet category give you a clearer picture on how … Continue reading

A SPENDING THOUGHT IS NOT A COMMAND!


    When you hear the phrase, “I have to get…” ringing in your head, you are in the grips of a spending thought. “S/he wants this and I have to…” signals you are about to lose the tune. That noise in your head is not the voice of reason, it is the scared or … Continue reading

CHRISTMAS IS WAITING IN AN ENVELOPE


  You’d better watch out.  You’d better not cry.  It’s coming and you can’t stop it.  The holiday season wants you to go farther into debt than you have ever gone before.  Whatever you spent last year, including special foods, new clothes, trips, hostess gifts, office gifts, family and friend gifts, cards, house decor, and … Continue reading

WHOSE LIFE ARE YOU LEADING? CUSTOMIZE IT!


If you were a car, would you be the stripped down model? How stripped down? No air conditioning? Radio, CD player? Moon roof? Leather seats? Cruise control? Would you have the strippy because you could not afford the bells and whistles, or because they are too frivolous? Your attitude to your car reflects your attitude … Continue reading

MONEY WINDFALL. I’M RICH! SPLURGE?!?


If you have just come into money, and by money, I mean that you got an unexpected lump sum. It might be $100 or $1,000, or more. What is the first thing you plan to do with it? If you’ve been depriving yourself, that is, you have not been using a balanced Spending Plan to … Continue reading

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