Manage your credit, debt, and budget through thoughtful and purposeful spending.
Last week, I did some digging on mortgage rates and had a talk with my mortgage banker, who happens to be a work friend of my Dad’s. After talking for a bit, she found me a rate that seemed almost too good to be true. 2.875% is a big improvement from my 4.25% mortgage. I did an analysis to figure out the best decision for me.
Should I Refinance My Mortgage? Read More »
Many of my contemporaries tout Black Friday as a day to take full advantage of frugal ways to shop on a very low budget. They argue that if you stay focused and plan out your Black Friday shopping, you can get great deals on many tempting products. I am in another camp, however, if you are waiting until Black Friday to buy something, you probably don’t need it at all.
Going Shopping Today is Stupid Read More »
The end of the year is approaching and with it an excellent time to analyze your financial house and see what changes you’d like to make for the upcoming year. For some this might mean examining their spending for ways to save money. With a few tips you can be on the road to saving money and improving your financial health.
How to Make Saving A Habit Read More »
A few months back, I got a letter in the mail from AAA reminding me that it is time to renew my membership. I have been a AAA member since 2007. My car broke down and I needed a tow. I signed up and got a tow in the same call. When it was time to renew, I had to think hard about whether or not it was worth the annual $57 cost.
Is AAA Worth the Cost? Read More »
Some people debate whether it is a good idea to pay off your mortgage early. I don’t see why it is a debate at all. Sure, we can conjure up some numbers that make it look smart to stay in debt, but staying in debt is never a good idea.
Should You Pay Off Your Mortgage Early? Read More »
For as long as I can remember, I have hated shaving. Seriously. I would do anything I could to avoid it. I didn’t want a beard, so shaving was an inevitable part of my life, so I am always searching for a way to make it suck less.
Why I Spent $30 To Shave and It was Worth Every Penny Read More »
