Fighting Procrastination: Tomorrow Will Come Again

Tweet Is procrastination a disease formed from lack of motivation? Do we lack self-control?  In Latin, procrastination means “to put off until tomorrow.” Why is it difficult to save part of our hard-earned dollars, but not difficult to delay some purchase until we can afford them?  In 2006, for the first time Americans savings rate […]

Fight the Urge to Splurge


Tweet You’ve been prudent and created a budget.  Every cent is accounted for.  Things are looking good.  Then WHAM, your savings and budget are annihilated because of your latest splurge.  Does that sound familiar?  I know it does for me.  I mean, it’s fun for a moment, then you realize what you’ve just done to your personal […]

The Art and Science of Dumpster Diving


Tweet Get Free Stuff From the Trash A few years ago, I got my hands on a book written by John Hoffman called The Art and Science of Dumpster Diving.  It literally changed my life.  In the past, I was very secretive about my dumpster diving.  Now, I am more apt to share my finds […]

It Might Be Time to Trade-In Your Used Car

buying a car

Tweet Personal finance gurus have always talked about the value of buying used instead of new cars, and for good reason. For the better part of two decades vehicles would depreciate at a fairly rapid rate and buying even a very slightly used car could save you thousands. So it made sense to let the […]

Eliminate Taxes With a Roth IRA


Tweet Rocketing national debt, unstable economy, high unemployment, and high inflation.  These are all factors that have Americans on edge right now.  What has the American public even more scared is the fact that the federal government has started to tap into public pension funds to pay for bankrupt social programs such as Social Security […]

Expenses You Are Paying Too Much For

how to start a business with no money

Tweet We all want to save money. That’s a fact. In the midst of planning for retirement, paying bills and other expenses, and hoping to have a little left over for some fun, even the most anal retentive budgeters cannot perfectly master the art of financial management. And the truth is, it’s tough. As the […]

Extreme Couponing Doing More Harm Than Good

clipping coupons

Tweet As a soon-to-be published author of a personal finance book, I never thought I would catch myself saying that I think that bargain shopping has become a borderline obsession for many people. I say this as the Swiffer Duster promotion on Facebook locks up within seconds of being announced and entire shelves of Nivea […]

How to Pay Estimated Quarterly Taxes

Tweet For the self-employed or anyone who doesn’t have taxes automatically withheld from their paychecks it usually means paying estimated quarterly taxes. When you have taxes withheld the IRS is happy because they get part of your taxes due in regular installments. When you don’t have taxes withheld they still want their money and don’t […]

How to Avoid Fights About Money in Marriage

Wedding day

Tweet Getting married is a significant life change that offers a lot of new challenges. It probably goes without saying, but money is one of the hot-button issues in any marriage. Two people never have identical outlooks on money and reconciling those differences can lead to some nasty arguments. So it is in your best […]

A Beginner's Guide to Getting Free Stuff

Tweet How to get free stuff! They say that there is no such thing as the word “free” in today’s world. I beg to differ. As a self-proclaimed penny pinching, closet couponer, I know that statement couldn’t be further from the truth. There are plenty of companies willing to give away their products and services […]