Couple getting advice from college Financial Aid Officer
Mary's Perspective

Parents: Stop Taking Parent Loans for Your Kids’ College Education

You’re a parent and you are responsible to take care of your child financially. But you are equally responsible to

Mary's Perspective

Crash Course for College Freshmen

All around the country, newly-minted high school graduates are heading off to college. They’ll be taking a lot

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Mary's Perspective

The One Thing I Need to Keep Going

Encouragement. For me it is a basic need or perhaps a character flaw, I’m not quite sure. All I know

God bless America
Mary's Perspective

15 Minutes to Financial Freedom

The email message contained a single-word subject: Help! The sender, I’ll call her Emily, had been asked by

Opening the wallet full of money.
Mary's Perspective

What Do You Need to Be Happy?

When a University of Michigan survey asked people what they believed would improve their quality of life and make them happy,

Raising Financially Confident Kids Book sitting on a white shelf with basket of bright colored tulips
Mary's Perspective

Values are More Often Caught than Taught—Plus a GIVEAWAY!

Bents, characteristics, abilities, and tendencies are the conduits through which you can pass your values to your kids. But exactly

great white loan shark
Mary's Perspective

Your Own Personal Loan Shark

Imagine paying outrageous amounts of interest to a greedy finance company and loving every minute of it. Or how about

money flying around out of thin air
Mary's Perspective

5 Rules to Grow Rich

At the tender age of 11, I made a solemn vow that when I grew up I was going to

Mary's Life, Mary's Perspective

My Secret Battle with Procrastination

One of the toughest things I battle in my life is procrastination. My natural response is I’ll do

Mary's Life, Mary's Perspective

My 22-Year Auto Lease Nightmare

It wasn’t our fault that a drunk driver plowed into our parked car in the middle of the night while

Home & Family, Mary's Perspective

A Money Lesson for Kids

Don’t assume your kids are going to learn about how to manage money well in school. There is a growing

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Mary's Perspective

Sometimes You Gotta’ Bite the Bullet

Some years ago, I asked members of my Debt-Proof Living website this question: What would you do with an unexpected

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Mary's Perspective

The Difference Between Safe Debt and Stupid Debt is Huge

Today, Dear Readers, I have a question for you: Is there a difference between borrowing and financing? Don’t stress. I’ll tell

Home & Family, Mary's Perspective

Simplify: It’s the Easiest Way to Save Time and Money

When our lives get chaotic, we pay dearly in terms of time, money, and stress! There are hundreds of things

Mary's Perspective

Out of the Red: How to Keep Your Finances and Attitude in the Black

When I am not writing about personal finance and consumer debt, I knit. Something about the gentle rhythm of yarn

Home & Family, Mary's Perspective

Clean out Clutter to Improve the Quality of Your Life

What would you do if you actually had to use everything you own, including all that stuff in the drawers,

Mary's Perspective

Ways to Say I Love You That Don’t Cost a Dime

Long ago in my stupid days, I went nuts with credit cards. I ran up a 6-figure debt over a

Mary's Perspective

Dumb Things To Do with a Tax Refund

Tax time: That interesting time of year when ordinarily smart people begin to make really dumb financial decisions. Isn’t it

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Mary's Perspective

Could You Go a Year Without Spending?

A few years back, Eric and Donna Reed shopped for groceries and household products only once for an entire year.