Cheap living isn’t about skimping out on your server’s tip. Learning how to live cheap without being ridiculous is actually a fine art. There are two ends to the financial spectrum: On one end, people are super consumers, buying and financing everything they possibly can just to keep up appearances (or keep up with the…
Using a cash envelope wallet system takes some getting used to (especially if you’re new to budgeting). I used to just ask the bank teller for extra cash envelopes, and I’d separate my cash into the sleeves. Fortunately, there are several stylish options to keep track of your cash every paycheck. But first… How do…
Paying off debt is not exactly an easy task. And staying out of debt is even harder (especially if you’re an emotional spender or addicted to swiping credit cards). Those who have become debt free and stayed out of debt have one thing in common. They changed their behaviors and created new, healthy habits to…
Raise your hand if you’re a Mom and the majority of your splurges go towards the kids. I get it! Kids have needs, but it’s okay to spend money on yourself from time to time! Many times I’ve gone to my favorite store to get something that I needed and ended up with a few…
Dave Ramsey’s gazelle intensity can be compared to a fad diet that forces you to make extreme changes to your finances while obsessing over debt freedom. Dave Ramsey is the host of the financial radio show The Dave Ramsey Show, and shares about how to be gazelle intense to get out of debt FAST. The…
If you enjoy reading and learning about personal finance, then it’s safe to say you’ve probably heard the name Dave Ramsey. Since the 1990s, The Dave Ramsey Baby Steps have helped millions of people get out of debt and start them down the path to achieving financial freedom. No matter how many blogs I read…