Reduce discretionary spending to pay down debt and increase savings.

Finding Pain-free “Extra” Money in our Budgets

Top 3 Suggestions for Finding Pain-free "Extra" Money in our Budgets to Accelerate Debt Elimination or Savings PowerCashTM is a powerful and effective principle for accelerating our debt repayment...

Easy Credit, Lasting Pain

Financial Danger Zone The Danger of Quick Fix Loans How Payday, Title, Pawn, and Other Expensive Loans Work When we regularly spend...

Follow these tips to save on Christmas Spending in 2012.

Christmas Spending Tips for 2012

Christmas Spending Tips for 2012 The season of Christmas is a time when so many have a reason to celebrate. This is often done by embracing a spirit of generosity and giving gifts to family and...

Why Care About Your Credit?

It’s a fair question: “If I’m not planning to make a purchase on credit anytime soon, why should I care about my credit?” While it’s true that the most commonly known use of credit has to do with getting approved for a loan, there are other situations when credit can have a positive or negative...

Basics of the New Couponing

How to Coupon: A Beginner's Introduction Couponing has been making a strong comeback recently thanks to the down economy. The promises of free...

Man Holding a Piggy Bank

Realistic Emergency Savings Amount?

What Is a Realistic Amount for Emergency Savings? Chances are that if you’ve ever looked into how much money you should be putting away as an emergency/”rainy day” fund, you have found that most financial experts, including myself, will suggest...

Can Budgeting Be “Fun?”

Last night, I met with a couple in one of my classes and wanted to share their insight into what they were experiencing. They had come to my Budgeting (aka “Spending Plans”) class a couple of weeks earlier, and they shared last night that they were making solid progress. They had not only gone home...