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How to Be Prepared for Black Friday 2013

Shopping for the best 2013 Black Friday Deals? This year, things may be a little different. Be prepared with the following tips, and you’ll get the best prices without being overwhelmed. It is solid advice to get you through the most important shopping day of the year. By making the following preparations now, you’ll be sure not to lose out on those bargains and at the same time, have everything be a positive and fun experience. Prepare for the Changes Swallow that turkey and be out the door by early evening if you want to start your Black Friday shopping. … Continue reading →

It Is All About Saving Not Sacrificing

I had a bit of a let down this week. My kids have been wanting a certain piece of furniture, one of those Love Sac things that is part chair and part trampoline. Their cousins have one, as do a number of their friends. So, we dutifully went over to the mall to check them out and had some serious sticker shock. The sacs cost anywhere from $500 to $1,000 each. Okay, that item was off the list. Every once in a while I check online to see if any used ones come up for sale. One did today, but … Continue reading →

Three Reasons Why Low Interest Credit Card Transfers May Put You in Debt

Many of us seek to take advantage of those low interest credit card transfer offers. With a low interest credit card transfer offer, you can take the debt you have on one credit card and move it over to a new card that gives you a lower rate of interest. With lower interest, you will save more money, right? If your credit score is still decent, you will find yourself getting a lot of these offers in the mail. Switching from a 12 percent card to a five percent card seems like a great way to speed up your recovery … Continue reading →

Dump the Storage Unit and Get Out of Debt

According to the New York Times, the number of self-storage units in the United States is on the rise. Unfortunately, most people really don’t need self-storage units. They are usually a waste of money and can contribute to debt. Dumping the storage unit can offer you instant savings. There are very few smart reasons to have a storage unit, and the majority of these require only temporary storage. For example, if a family is moving to a new home and is temporarily renting a furnished apartment while they wait to close on the new house. Renting a self-storage unit year … Continue reading →

Tis the Season of Getting

I am going to just throw this out there;  I don’t see anything wrong with buying your children a lot of gifts.  Christmas may not be about gifts but we all know gifts help make the season bright.  If we didn’t believe that we wouldn’t give to Toys for Tots, Operation Homefront, or go into an insane amount of debt every year.  Like it or not, gifts are here to stay and I do not feel that is negative.  Who doesn’t like to unwrap a gift?  Who doesn’t like to see their children’s eyes light up when they open that … Continue reading →

Learn How to Make Decisions, and You Can Save Money for Life

I used to have a terrible time making decisions in life. It all came to head one week when I had three different job offers and no clue which one to take. I resorted to putting the names of the companies in a hat, flipping a coin, calling every good friend I knew for advice and more. The deadline to make a decision was fast approaching. How did I solve it? A blown-out-tire forced me to choose the job that was the closest and easiest to place to make the commute. Pathetic, no? I vowed after that to work on … Continue reading →

New and Free at the Library!

Sure you can get books from the library, but if you aren’t taking advantage of the other freebies that are available, you are missing out. Library offerings are changing with the times, so you might not realize all that there is to get, for free! Admission Passes I remember the first time I discovered that you can take out passes for free admission to local museums, zoos and more. I was living in a small New England town, in a small house on a small budget that allowed for very little entertainment. When I found out that I could go … Continue reading →

Getting too Used to the Good Life

We have been without our main car for a week now, and we still have another two weeks to go before we get it back. Meanwhile, we are driving our oldest vehicle, a 1998 SUV, and driving it only when we have to. It has been an adventure. With one car seat and two booster seats in the back, the car is cramped, and someone always seems to wind up with an elbow in the eye or a foot in the back. The air conditioner is loud and noisy and only cools the car if the temperature is below 80 … Continue reading →

Understanding How You Got Into Debt

For most of us, debt comes softly. Bills sort of sneak up until you are left wondering what happened. Understanding how you go into debt is very important. This understanding will not only help you to get back out of debt, but it will also help prevent you from getting back into it. Try to trace back to a time when you weren’t in debt. What was different? Have you always been in debt? What did you learn about handling money from your parents? Common causes of debt include spending more than you make, or overspending, a sudden or unexpected … Continue reading →

Turn off the Television to Get Out of Debt

Did you know that simply turning off the television, or watching less of it can lead to more savings? I’m not just talking about the savings you will get from foregoing the $200 cable bill or the electricity it takes to run your television. I’m talking about the other hidden benefits, the secret savings that will kick in. Less Need to Buy Where do we usually find out about things that we absolutely need to have (although we never knew about them before)? Why the television, of course. It is still the number one way that we get our advertising. … Continue reading →