Frugal Food

Delicious foods and frugal recipes from some of our favorites!

Homesteading

Here you find all kinds of tidbits on homesteading.

The Road to Debt Free

Ok, this is where the rubber meets the road.

Survival Tips

We think it’s important for families to be as prepared as possible for any natural or other disasters that may come their way.

Frugal Finance Management

A custom debt-reduction budget that fits your own family’s size, needs, etc., is crucial to debt reduction success.

Frugal Finance Management »

Should I Cosign on a Loan?

May 2, 2016 – 7:19 am
Cosigning on a Loan: To Be, or Not to Be?

Cosigning on a Loan: To Be, or Not to Be?

This is a question many people ask themselves on a regular basis. Or, rather, a question that others ask many people on a regular basis.

Given the fact that fully 47% of Americans don’t have enough cash to cover a $400 emergency, this is no big surprise.

We’ve become a nation that has gotten comfortable with living off of credit. With not having an emergency fund. With not building wealth or contributing enough to retirement funds.

“It’ll all work out eventually,” they tell themselves. I know this because we told ourselves that for years. Until we got to the point that it couldn’t “work itself” out anymore and we had to start working it out and taking responsibility for our financial situation.

So then, when the screws get tightened, when they run out of available credit, when the payment amounts start to get too uncomfortable, they come to you for help.

“Will you cosign a loan for me?” they ask.

And you start to get that icky feeling in your stomach. Read the full story »

6 Things You Might Not Know About Getting Out of Debt

April 28, 2016 – 5:25 am

Do you want out of debt bad enough to deal with the roadblocks, the emotional stresses and the lifestyle changes?
Is having financial freedom important enough to you to give up current habits and lifestyles?
Only you …

5 Developments That Will Impact the Auto Insurance Industry

April 28, 2016 – 5:00 am

Today we share a contributed post from fellow freelance writer Elaine Valarie. Enjoy!
In its simplest state, auto insurance protects motorists after their involvement in an accident. Different policies offer different coverages, with liability car insurance …

Three Exercises to Take Charge of Your Health and Your Wealth

April 26, 2016 – 6:00 am

Today’s post is a guest post from fellow blogger Joseph Chiweshe, a physician and blogger who shares about the connections between health and personal finance.
The connection of our health and finances is undeniable. They provide …

How Millennials Can Get Started Investing

April 21, 2016 – 5:46 am

If you are one of the millions of young adults in this country and you’ve been considering investing, congratulations!  You’re already ahead of the majority of the other millennials out there.  But don’t pat yourself …

How to Prepare Financially for Your First Baby

April 18, 2016 – 6:50 am

Today we welcome a guest post from fellow blogger, Kate. Kate is the blogger behind the MaternityGlow blog, where she writes helpful tips & tricks for new parents.
It’s no surprise that becoming a parent for …

Why You Should Consider DIY Tax Filing

April 14, 2016 – 4:30 am

This post is part of the TaxAct #DIYtaxes blog tour which empowers you to take ownership of your finances by doing your own taxes. TaxAct provides the tools and guidance to help you confidently file …

Why You Should and How You Can Save More Money

April 4, 2016 – 8:06 am

For most of the nearly twenty years of our marriage, we never had any money in our savings account. Oh, we’d occasionally shove some money into the account for a week or two, but we’d …

Balance Transfers and Consolidation Loans: Yes or No?

March 28, 2016 – 6:36 am

Balance transfers and consolidation loans can be powerful tools to help people eliminate debt faster. They can also be a train wreck leading to the accumulation of more debt.
How can you be sure that using …

What My Daughter’s Self-Defense Class Taught Me About Debt

March 21, 2016 – 5:06 am

Even though we’re on a very strict budget right now, there is one thing we started paying for in October of 2013 that, although it’s not a need, is very important to us. We signed …

Four Heirloom Tomato Secrets for Maximum Yield

March 7, 2016 – 6:00 am

Happy Monday, my frugal friends! Today we feature a post from our blogging pal Cameron over at Thrift Hounds. Cameron shares on his blog funny and inventive ways to save money and live frugally. And …