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In the Midst of Joy, a Season of Doubt

Check the calendar and take a deep breath. We are entering a critical phase of holiday preparation. As shopping winds

The Season of Giving

It’s that time of year again when everyone wants your money. Brace yourself for more dinnertime phone calls and mailbox

Eight Little Words That Can Change Your Life

You hear it all the time, but do you know what it means to live below your means? Have you

Couple getting advice from college Financial Aid Officer

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

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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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

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.

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

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

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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

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

My Secret Battle with Procrastination

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

Shocked young woman seeking copies of past Tax Returns

The Case for Keeping IRS and State Tax Returns Forever

You may recall from a past post on record-keeping, that you should keep copies of your IRS and state

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

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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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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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

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

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

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,