6 Frugal Living Tips: How to Live when Money is Tight

6 frugal living tips
We’ve all been there. Something breaks or there is an unexpected bill to be paid. You have the money for it, but you’re not sure if you can make it by until the next payday. Of course, there are always same day payday loans¬†from ElcLoans who offer¬†best online payday loans with instant approval, or you could use a credit card. You could pay a different bill late. Then there’s the other choice of just putting off fixing what broke or delaying what needs to be paid. These are all possibilities, but they aren’t your last resort. Here… Read the rest

Personal Finance Tips: How to Budget in College

budgeting in college
Very few college students take the time to stay on top of their finances. Most of them just really don’t have much of any money to manage. Others have no idea of personal finance and just make use of the habits they’ve learned from their parents or what they’ve figured out on their own. Most of the time, this is not a winning game plan. There’s an old saying that adults develop a plan and follow it, and children do what feels good. If you’re in college and think you could do a little bit better with your money, you… Read the rest

How To Reduce Your Student Loan Debt

reduce student loan debt
Many working Americans are faced with a looming student loan debt when they get out of college. These student loan debts can haunt people for years. The benefits of reducing student loan debts are immeasurable, but many don’t know how to go about reducing their debt. Why Is Reducing Your Debt So Important Reducing student loan debts is important for a myriad of reasons. After spending years getting an education that will afford you a comfortable lifestyle, the last thing anybody wants is to work another 10 years trying to pay off debts they incurred as students. Reducing these debts… Read the rest

Bad Debt Has the Name for a Reason

bad debt
Nothing will cause you more grief in your life than Bad Debt. It is any personal debt other than a mortgage or a student loan. Credit cards, personal loans, car loans, or department store credit. All are bad debt and can ruin your life. It will steal your future and make the present miserable. This type of debt begins you on the road to enslavement and may take you to bankruptcy. Make it your sworn enemy. Treat it with care, never turn your back on it. Bad debt turns loose the interest monster. It really is simple to get… Read the rest

Tips to Managing Money When Visiting Your Local Car Service Station

tips for visiting car service
If you were to ask my siblings to rank my knowledge of mechanical things on a scale of 1 – 10 (1 being no knowledge and 10 being an expert), they would tell you that the depth and degree of my knowledge of mechanical things would “hover” around negative 5. The truth is I know more than they think I know about cars, electricity, plumbing, and other everyday things. Until just a few years ago, they were convinced that I thought there was such a thing as a left-handed screwdriver! One of those areas that I’ve learned about over the… Read the rest