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...]

Debt Free? I Am & I Can’t Believe It!


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I'm Finally Debt Free It has taken me a little over 2 years, but I did it. I finally became debt free! 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 of me taking control of my … [Read more...]

Increase Your Financial IQ


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Want to Increase Your Financial IQ? Looking to increase your financial IQ? 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 … [Read more...]

Kids, Get Yours Under Contract


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Get Your Kids Under Contract Teaching your kids about money is probably one of the most important gifts you can possibly give them. I think it's despicable that children 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 advisers. It's no wonder that the average college … [Read more...]

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


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Extremely Effective Couponers 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 … [Read more...]

Setting up Your Cash Envelopes


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Cash Envelopes System We have showed you that you don't have to rush out and buy a fancy cash envelopes 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 … [Read more...]

Tax Refunds are STUPID! Don’t Fall Into the Trap


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Stupid Tax Refunds Yeah, that's right, I said it. Tax refunds 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 refund (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free … [Read more...]

Learnvest – Don’t Fall for These 9 Spending Tricks!


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Quick: Pop quiz! When you go to your favorite grocery store, do you choose a cart instead of a basket? Hum along to the tune that’s playing? Or accept a sample of the new gouda cheese or pine nut hummus on offer? If you answered yes to any of the above, you were likely seduced into spending more than you intended. And insidious ploys to get you to open your wallet are also going on at malls, in dressing rooms and on shopping websites across America. The excerpt above came from this … [Read more...]

Learnvest – Stop Kidding Yourself!


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Learnvest Tips Stop Kidding Yourself!  That was the title of the email that I got from Learnvest today!  That was enough to make me click the link and read the rest of the article.  Inside, I found an article that listed the "10 spending excuses you need to nip in the bud today".  How does that apply to you?  Do you need to be challenged?  Do you need to be confronted about staying within your budget?  Once of the best ways that you can program yourself to stay on track is to receive … [Read more...]

Learnvest – Want to get your budget right?


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Learnvest In the 7 Habits of Highly Effective People, author Steven Covey tells us we must "sharpen the saw".  Simply put, we need to improve our knowledge and refine our skills every single day.  One of the best ways to do this is to "force feed" ourselves. I subscribe to several different daily newsletters that are waiting for me each morning when I wake up.  They range from religious to financial to parenting  and more.  I do this because it allows me to digest my first cup of coffee … [Read more...]

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