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,

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

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

happy-couple-counting-money

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.

Do You Hear the Bells?

The year was 1859 and Charles Dickens starts his classic A Tale of Two Cities with,

It was the best

Incredible Edible Gifts

Even if you still have 5 or 50 teachers, students, neighbors, co-workers, family friends, kids’ friends, classmates, cousins, uncles, aunts,

Thank You Notes: Never Out of Style

In these high-tech times when text-messaging and email are the preferred method of written communication, it might not have even

large family handing gifts to each other during a christmas dinner

A Lavish Gift Exchange

When our boys were only toddlers, we and our best friends, who have three children just about the same ages

Stay Calm and Make Your Own Mixes

Checking one of my email inboxes this morning (I have several) made my heart race and my head spin. Hundreds

Mistakes Teach Us What Doesn’t Work

Have you made any mistakes lately? Want to talk about it? Most people don’t. Can’t say that I

Spooky Tales of Extreme Debt

Scary stories and fiendish tales are all part of Halloween fun. But the last thing you expect is for

A $25,000-Per-Person Dinner That’s Hard to Swallow

I don’t consider myself a complete stranger to high-priced gourmet fare. After all, I did enjoy a lovely $100-per-person meal

5 Key Motivators That Influence Teens

They want independence and freedom; you want them to take responsibility for their actions. They want decision-making power; you want

And Now the Rest of the Take-My-iPhone-Please Story

You may recall that several months ago, after considering my options for what to do with my iPhone 5C (trade

Recover from Dumb Financial Mistakes

When I was young and stupid, I accumulated more than $100,000 in unsecured, credit-card debt. I didn’t get into that

25 Ways to Save $1,000 a Month

Several years ago I met Kathryn and Galen who live in Missouri. At the time, not only were they were

7 Habits of the Rich

Habit is defined as behavior repeated so often it becomes almost automatic. I am in awe of the power of

Credit Cards in the Hands of Financially Immature Students

Our kids are fortunate to be growing up in the most progressive and exciting time in history. Sadly, the very culture that