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Why You Need an Emergency Fund in Savings

by JS · 1 Comment 

Establishing and maintaining an emergency fund was absolutely the last step that I took in getting out of debt. For the longest time, I thought that the entire concept was simply impossible. The thought of not only having all my bills paid off, but also having extra money was just unfathomable to me. In fact, [...]

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6 Ways to Save Money When Staying at a Hotel

by JS · 4 Comments 

We all know how to save money when booking a hotel room – travel websites like priceline.com and expedia.com have been helping people save money on vacations for years. But the price of the room isn’t the whole story. There are extra features and amenities offered at some hotels that can keep even more cash [...]

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Five Hints That Your Budget Is Broken

by JS · 1 Comment 

The year after I graduated from college, I worked out a budget for myself based on my very tiny salary. As part of my budget, I deposited $50 into a savings account every month. Inevitably, I would overdraw my checking account and the bank would use my savings to cover my slip-up (and charge me [...]

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5 Best Online Shopping Tips To Save Money On Deals

by JS · 2 Comments 

I shop online. In fact, I buy almost everything online. Many people feel the same: you don’t have to deal with crowds, you can easily compare prices and options, and you can do so at a time convenient for your busy schedule. What’s not to love? Take note, however, there is a big difference between [...]

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Tips to Finding Cheap Car Insurance

Are you interested in saving money on car insurance? For many years, I paid what my agent told me because I figured he was looking out for my best interests. While this was true to a certain extent, soon enough I realized that I was paying more than I had to. Earlier in the year, [...]

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5 Tips For Meeting With Your Banker

by JS · 1 Comment 

Last year, I set up a meeting with the Vice President of Business Banking at my local branch. Among other things, I needed to discuss the option of getting a line of credit for my business. Unfortunately, I went into the meeting totally unprepared and was not ready for everything that was about to be [...]

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Nonstop Drama: Men, Women and Money

by JS · 1 Comment 

Are you a money hoarder or a money spender? If you’re married, the general assumption is that you’re married to the opposite. So, if you’re a hoarder, you probably married a spender. Why? Because more and more studies show that money is much more a part of your relationship than you actually believe. Psychotherapists are [...]

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9 Reasons Dave Ramsey Hates HELOCs

There is little room for doubt as to how Dave Ramsey feels about home equity lines of credit (HELOCs), and he tends to pull no punches when it comes to expressing his views upon these lending devices. It’s certainly hard to argue with many of his points, and his extreme reaction is based in large [...]

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A Cat With A $200K Trust Fund

by JS · 1 Comment 

It was August of 2007 when the billionaire hotel queen, Leona Helmsley, passed away, leaving behind $12 million dollars to her dog named Trouble. Unfortunately, for the pooch, the Queen of Mean made a bone-headed, estate-planning blunder that resulted in her Maltese getting a $10 million haircut. What was the error and how could she [...]

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How to Stop Debt Collector Harassment

How many people do you think get their rights violated daily by debt collectors? The number is probably quite astounding. As a college student, I’ve been on both sides of these conversations. I worked a medical billing company where we collected past due debts, and I have past due debts. So I know how tough [...]

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