a common sense approach to money

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How to Save Money on Your Monthly Bills

How to Save Money on Your Monthly Bills

We all know that paying bills is one of the unfortunate side effects of growing up, but how many of us make those payments every month without giving them a second thought?  Before you keep making those automatic payments, take a closer look at your […]

7 Reasons I Love Credit Karma

7 Reasons I Love Credit Karma

This is not a sponsored post – I repeat, this is not a sponsored post.  I just REALLY love Credit Karma!  While it lacks the ability to crush candy like one of my other favorite apps, this one helps me stay on track with my […]

Back to School: Student Loan Basics

Back to School: Student Loan Basics

With Back-to-School season approaching, there’s no time like the present to go over the ABC’s of student loans!  If you (or your kids) are looking into student loans for the coming school year, this post is for you!  Before you accept any student loans, be […]

Choosing the Best Credit Card for Bad Credit

Choosing the Best Credit Card for Bad Credit

A recent survey by U.S. News & World Report found that 68% of consumers with bad credit are working towards improving their credit score, yet 35% admit that they didn’t do any research the last time they applied for a credit card.  While many young […]

Turning 30 on my Debt Free Journey

Turning 30 on my Debt Free Journey

2017 has been a tough year, and I’ll admit that my 30th birthday wasn’t something I was especially looking forward to, but life has a funny way of putting things in perspective when we need it most.  While it’s easy to whine about turning another […]

Credit Card Secrets

Credit Card Secrets

There are two schools of thought on credit cards – one is that they are evil and we shouldn’t use them at all, and the other is that they’re a tool and can be used for good.  I tend to fall somewhere in the middle […]

Spring Cleaning Tips for your Wallet

Spring Cleaning Tips for your Wallet

With spring finally here, there’s no better time to “clean house” financially – while keeping an organized budget is important all year round, take a few minutes today to get your ducks in a row and do some spring cleaning! Assess the Mess When tidying […]

How ’bout Debt?

How ’bout Debt?

How much debt do you have? What interest rates are you paying on that debt? How long will it take you to pay off your debt at the current pace? No idea?  You’re not the only one – most people have a rough idea in […]

Can you afford a new car?

Can you afford a new car?

While most of us would like to think that we deserve a brand new set of wheels, the truth is that most people underestimate the expense of owning a vehicle.  Before you lock yourself into a payment you can’t afford or purchase a lemon, do […]

The Tax Refund Magic Show

The Tax Refund Magic Show

Congratulations!  You got a tax refund – the government ever so kindly returned some of your hard earned money to you!  How nice of them to hold on to it for you all year, waiting for the right time to give you back what you […]

How I totally screwed myself on my student loans (and how you can avoid it)

How I totally screwed myself on my student loans (and how you can avoid it)

I was a part of that lucky generation that graduated college to find ourselves in the midst of a housing crisis and the worst economic recession in decades.  During my time in school, I lived as frugally as anyone could expect; I worked three jobs […]