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Peer Pressure and Debt

Whew, is it getting hot in here? For some reason, the past two days was a huge day for financial peer pressure. It just seemed like everywhere I went, there was some example about how our family isn’t/wouldn’t/won’t fit in because of some of the financial choices that we are making. Our biggest long-term goal is to completely get out of debt, including our house and to start to build wealth so we can give generously. At the moment, we are far from this goal, but making progress. We have no debt, other than our house, although that debt is … Continue reading →

Save Money on Your Pets This Christmas

Whether you already have pets that are expecting presents under the tree (or kids who expect presents for the pets) or will be getting a new pet or two this Christmas season, chances are that you would appreciate being able to save money on your pets. Here are some excellent ways to have your cat (or dog, or bird or frog) and save money too. Free Product Coupons Petsmart usually offers at least one free can of food per month for your pets, as well as other great coupons when you sign up for their Pet Perks program. Adopting a … Continue reading →

Three Ways to Avoid Holiday Debt

It is easy to start racking up the debt during the holiday season. There are many demands on our money, such as holiday gifts, special events, travel costs, food, decorations, and other entertaining costs. We often get carried away when we spot the perfect gift or want to make it the best season ever. As you are planning, cooking and shopping, you might want to use the following strategies to avoid holiday debt. Start with a Holiday Budget In order to control holiday spending instead of letting holiday spending control you, you will need to set a budget. Start with … Continue reading →

Three Ways to Control Impulse Buying at Christmas

The shiny decorations, the pretty lights, the wonderful smells, the bustle of shoppers, the increase in commercials, and the demanding kids all combine at Christmas to raise the risk of impulse buying. Many debt services report that the number of phone calls they get for help really drops off in December, as people put aside the idea of debt and just go ahead and spend. Of course, the calls in January are another story. These agencies often see their highest traffic then, as people find themselves in debt crisis. Don’t let this happen to you. Control your impulse buying at … Continue reading →

Money Saving Ways to Prepare for Christmas Now!

Yes, the summer is still here, and temperatures may still be in the 90s or higher, but it is a perfect time to start making some preparations for Christmas right now. From gifts and decorations to food and entertainment, making the right moves now will be big savings during one of the toughest seasons for the budget. Stock up on the following items during the summer and fall, while you still can. Fresh Produce You’ll get the best prices on fresh produce right now, thanks to the bounty of late summer. Blueberries, strawberries, cherries, corn and other fruit and vegetables … Continue reading →

Making Money From Old Christmas Cards

Many scrapbookers know that repurposing holiday cards is a real money saver, but did you know you can earn cash by recycling your old Christmas greetings? Actually, you can help those less fortunate when you donate your seasonal salutations to certain charitable groups. For example, St. Jude’s Ranch for Children is synonymous for its work collecting used Christmas cards and transforming them into works of art which are then sold to generate money for the group. The non-profit accepts used Christmas cards until the end of February, then it hands them over to its benefactors–children who come from abusive homes—-and … Continue reading →

Christmas Free-dom

Cheap is good, but free is better. If you are one of the millions of Americans suffering during these tough economic times, Christmas can seem more like a curse than a gift, especially if you don’t have enough money to buy presents for all of your family members and friends. As we enter the last few hours leading up to the big day, don’t allow yourself to be sucked into the abyss of commercialism that overshadows the true meaning of Christmas. Who says holiday presents have to be shiny and expensive? Often, the most treasured gifts are the ones that … Continue reading →

Free Christmas Apps for Android Devices

Did you start your Christmas shopping on Black Friday? By now, you might be having difficulties making ends meet after paying for all those extra expenses. Wouldn’t it be nice to get something fun, and free, for Christmas? You can! There are plenty of free Christmas apps that are designed to be used on android devices. Christmas Sounds Soundboard is available for FREE right now. This app has 36 of your favorite holiday sounds. You can set them as ringtones, and use them for notifications and alarms. Or, you can let your child be amused as he or she plays … Continue reading →

Christmas Debt

It’s that time of year again. Everyone is out and about trying to get their shopping done for the holidays. Some of you may have even braved the Black Friday sales last week. As a single parent money is always tight. Most of us are living paycheck to paycheck. There’s barely enough money to provide the essentials, let alone everything else. There is rarely any money left over at the end of the month as it is. The thought of having to find a way to finance Christmas on top of that can be more than a little daunting for … Continue reading →

Have a Merry Cheap Christmas

Who says “cheap” is a bad thing? Just because you are trying to avoid a holiday debt hangover doesn’t mean you have to look like Ebenezer Scrooge in the process. There are a myriad of ways you can make merry this Christmas season without breaking the bank. Some frugal ideas include: Hooray for Homemade: Use your vast array of talents to make gifts to give this holiday season rather than draining your wallet at the mall. Whether you knit, bake, paint, sew, or you’re a whiz at woodworking, there are plenty of presents you can make that are creative, thoughtful, … Continue reading →