Trimming the Fat Tip #1 – Know your Auto Insurance


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As many of you know, by day I am a risk management consultant and licensed commercial property and casualty insurance agent.  I have a Certified Risk Managers designation as well as a Certified Insurance Counselors designation.  That means that I know a lot of stuff that is good for me to know, but basically worthless information to the population at large!  However, I have decided to draw on some of that knowledge for at least a couple of the articles having to do with the trimming of fat in … [Read more...]

I Can’t Believe It! I’m Debt Free!


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I can’t believe it! I am debt free! It has taken me a little over 2 years but I did it. Looking back on my financial situation I can’t believe I let myself get into that mess. I had 2 department cards, a finance company loan, and when I found out I was pregnant with my 4th child, I decided that I needed a bigger car and went out and got a car payment. Becoming debt free has been a journey for me but I started small. Couponing was the beginning to me taking control of my finances. No more going … [Read more...]

Increase Your Financial IQ


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One of the biggest New Years Resolutions (probably right behind the diet/weightloss/eating right one) is to start the new year off on a better financial foot. Whether that is cutting spending, saving more, doing both - or just making the decision to START, you are headed in the right direction. We can all fall off the financial wagon during holiday shopping season. It happens, but it's past. Put it behind you, log it as a stumble, learn from it, and move on. You can start off the new year … [Read more...]

Organizing Your Bills – Online Tools


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Click Here to Sign up for Manilla One of the things you are going to need to do when you are starting to your finances in order is to find a system that works for you.  While I am partially "old fashioned" and use my desk top calendar and manilla folders, I also use several online systems to keep things in check for me.  The first online tool that I "can't live without" is my online banking tools from my bank. While many people will advise you not to go in and look at your bank account on a … [Read more...]

Know Your Credit Score for Free


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One of the things that we have talked about in the household finance webinars is knowing your debts.  While your credit score may be completely shot, one of the best ways to find out everything you owe is to pull a copy of your credit report. When you start paying down your debt, you will want to be sure that you are monitoring your credit report to be sure that all of the satisfied debts are being reported properly.  I personally use Credit Sesame and have used Credit Sesame for a while now. … [Read more...]

8 Friends Who are Bad for Your Finances and More


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8 Friends Who are Bad for Your Finances, The New Gold Digger, Why "All-Natural" Just Isn't, Secrets of Highly Effective Savers, and 10 Things to do With Ten Bucks.  Those are favorite titles from Learnvest this week.  If you do no currently receive the Learnvest Daily Newsletter, you are missing out.  I do not miss a single issue of this.  It is the one daily email that I am guaranteed (and that includes the Coupon Wizards Daily Update).  Currently, you get even more from Learnvest when you sign … [Read more...]

Get Your Kids Under Contract


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Teaching your children about money is probably one of the most important gifts you can possibly give them.  I think it's despicable that kids today aren't required to take some sort of a household finance class before they are allowed to graduate from high school.  Let's face it, they are doomed from the beginning when they get to college.  They meet the people soliciting them for credit cards before they meet their advisors.  It's no wonder that the average college student leaves higher … [Read more...]

The Ten Traits of EXTREMEly Effective Couponers Trait Two: They Stick to a Rigid Budget!


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If you read the first installment of this series, you know that EXTREMEly effective couponers have defined goals.  Interestingly enough, the goals are not isolated to couponing.  When talking to these people, you will know where they are planning on taking their next vacation, which car they plan on purchasing to replace their current ride, where their children are going to school and the list goes on.  The fact is that they plan.  Part of that goal setting and planning ties directly into having … [Read more...]

Setting up Your Cash Envelopes


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We have showed you that you don't have to rush out and buy a fancy envelope system to help you keep track of your funds. This video is going to show you how you can set up your envelope system to keep track of both your money and your receipts! One thing you will learn from the budgeting webinars is that you will always want to know exactly how much is in your envelope at all times. Something you will learn from the couponing webinars is that you will always want to be sure to keep track of … [Read more...]

Effectively Using Cash in your Household's Budget


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  You have to use cash.  It's that simple.  Studies have shown time and time again that it doesn't "hurt" to write a check or slide a card.  By using cash in your household budget, you force yourself to be even more frugal than you already are.  In addition to using cash, you need to have a way to keep it organized and track your spending.  This quick, no frills video will show you an awesome way to accomplish those financial goals without having to spend a penny out of your pocket. … [Read more...]

Tax Refunds are STUPID!


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Yeah, that's right, I said it. Tax returns are STUPID! It is amazing how many people I talk with that "can't wait to get my tax check". Highly educated people that are both friends and family. Why? Why are they so excited? Why are they enamored with the fact that they just gave the Federal Government an interest free loan for the last 12 months? If you get a tax return (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free loan, it's you! Figuring out … [Read more...]

Enter to let Learnvest pay for $2500 of your Christmas Debt!


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CLICK HERE TO ENTER!   So, if you have been around this page for long at all, you know that I am a HUGE fan of Learnvest.  I didn't think it was possible, but I think I just became a "huger" fan :)  They just sent me an email with the details of their $2,500 sweepstakes! They are going to give YOU $2,500 if you are the lucky winner.  The truth is, that the real prize is their daily email.  I have saved way more than the $2,500 that you can win simply by reading their daily dose and … [Read more...]

How Private is Your Facebook?


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This is a question that I find myself pondering multiple times a day.  In a day and age where cyber security is paramount, we need to be on our toes to protect our identity.  As the parent of three little boys, I am even more concerned about protecting my children!  Who knows what type of person is trying to hack into my page or worse, stalk my family.  I found this article in today's email newsletter from Learnvest.  As many of you know, I am a HUGE fan of this newsletter because of all the … [Read more...]

7 Gift-Giving Trends that Don’t Break the Bank


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"Were you there during the Beanie Baby Outbreak of ’95? How about the Great Furby Epidemic of ’98? If so, you have some experience when it comes to holiday gift-giving hysteria. With the economy still in the doldrums, seasonal madness is subsiding. Consumers aren’t breaking down doors to pay a premium for the latest and greatest gadget. This year, shoppers are shifting toward more affordable and thoughtful presents. As you start to plan your Christmas list, consider some of these gift-giving … [Read more...]

10 Things You Don’t Know About My Finances: Al Roker


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As you all know, I am a huge fan of daily reminders.  Whether it be deal sites or simply daily newsletters, they help me stay at the top of my game.  I am addicted to Learnvest.  as someone who is a student of household finance, I find their daily newsletter to be refreshing.  One of my favorite segments that they run is the "10 Things You Don't Know About my Finances" . It's a great perspective into the financial habits of successful personalities. Today's version was on Al Roker. … [Read more...]

Spend Less on Food- Some GREAT TIPS!


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As many of you know, I am a huge fan of the FREE daily Learnvest newsletter.  The excerpt below is just another reason why: Make Your Food Last Longer When it comes to food, everyone's heard the adage, "An apple a day keeps the doctor away." But that'll only work if you keep your apples separate (apples cause other produce to spoil more quickly). You may have already mastered perimeter shopping and the farmers' market game plan, but all will be for naught if the food you buy doesn't hold … [Read more...]

New Month, New Budget – Start October Right and put your Finances First!


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As you all know, I have a passion for household finance, specifically when it comes budgeting.  This month, I let myself get behind.  I didn't actually finalize our household budget for October until this morning.  I have to believe that if I had not gotten paid that I wouldn't have even done it today.  It's amazing that we end up getting too busy to manager our money. This month, Andrea and I both traveled more than we have in a long time and it has made it extremely difficult to sit down and … [Read more...]

Today from Learnvest: The Secret Reason Women aren’t Getting Raises


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This morning's email newsletter from Learnvest was especially interesting.  I thought I would share this excerpt with you in case you wanted to read it.  To get the whole article, you will need to register for the Learnvest Daily Newsletter. "Apparently some things don't improve with age. According to a study by Payscale.com, women tend to top out their compensation at age 37, while men keep getting raises until age 45. Even more infuriating, while men's salaries in the study rose to an … [Read more...]

10 Things to Do in 10 Minutes (to Improve Your Finances)


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 As we do quite a bit, this is an excerpt from and EXCELLENT article from the Learnvest Daily Email!  To read the whole article, you will need to register. You're busy. We're busy. And we've all got stuff to do. It's that feeling that gets to us: The longer we put something off, the more we continue to put it off. And those small tasks that will help our financial lives can sometimes be the ones that we put off the most. The key is to keep moving, and pick the low-hanging fruit. To that … [Read more...]

What NOT to Keep In Your Wallet


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The following excerpt is from today's Leanvest Daily Newsletter: We love the motto “be prepared.” "But when it comes to the average American’s wallet, there’s such a thing as over-prepared. From the looks of our bulging billfolds, we must be heading out each day to open a new line of credit, fill out a W-2, shop at several department stores, use a few gift cards, return an item or two, and grab a fro-yo at our favorite punch card spot on the way home."  Continue Reading............ The … [Read more...]