Personal Finance and Lifestyle Guide
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You can buy a home for very little money down, but we don’t recommend it. Why would you want to do that and pay hundreds of additional dollars every single month to someone for Private Mortgage Insurance (PMI) until your loan value is less than 80%? Really, you don’t want to pay that. It is […] More
How to recognized credit card addiction Sometimes there are signs in life. There are signs that point you in different directions both literally and figuratively, and there are signs that you need to make some life changes. One such life change is using your credit card. Debt is very real, and it’s debilitating. It’s a […] More
I was 18 when I received my first credit card. My parents felt it was important that I get one of my own and learn to use it responsibly; so I did. I had a very low $300 credit limit, and that was for the best. The first thing that I did was take my […] More
Applying for a credit card is something that most people do at least once in their lives. After all, a credit card is something that you should really have to your name; for several reasons. There are always those who believe that credit cards are evil, that they cause debt and that it’s better to […] More
I love cash back; I really, really love it. My husband and I have this seriously deranged competition in our lives in which we see who can accrue the most points or cash back on our credit and debit cards each month. For instance, I use my PayPal debit card more than any other, and […] More
First and foremost, we have to say two things about tax refunds. The first is that not everyone gets one, and some of us have to pay. The second is that a refund is not necessarily a good thing. It means you are giving the federal government too much of your money throughout the year, […] More
Can You Buy A Car With A Credit Card? One of the first and most basic lessons we learn when we use a credit card for the first time is not to charge items we cannot afford to pay off at the end of the month. In short, don’t use that credit card you just […] More
You can’t please everybody, so you might as well please yourself, right? It might sound selfish, but at the end of the day someone should be pleased with your actions throughout the day and if it’s you, it’s you. But we aren’t talking about you. We’re talking about the ever-popular Walmart credit card that so […] More
Last year, my husband and I were helping some friends work their way out of a difficult financial position. Their home was nearing foreclosure and they were robbing Peter to pay Paul on all their other bills. This was a painful, emotional and difficult experience but also one that brought to light how important it […] More
Tax season is well under way, and that is not always good news. For those who get a nice big refund check, this time of year is the best. Actually, tax season is probably already over for those people as they tend to file very early to get their money back as quickly as possible. […] More
Every year we spend two nights in another city somewhere in the country with two of our favorite couples. It’s our annual Valentine’s weekend getaway. The husbands in our group love Shula’s Steakhouse, and one weekend we came up with the idea that we should go every year on our annual getaway to a different […] More
Spring is here and the weather (in Florida, at least) could not be more beautiful for this time of year! What that means for many of us is that it’s time to spring clean. It’s not necessarily a fun job, but it’s one that has to be done. What does your spring cleaning look like? […] More