Negotiate Debts, Frugal Living, Save Money

Frugal Upstate: 25 Things I Do To Save Money

Frugal Upstate: 25 Things I Do To Save Money
Dawn at Frugal for Life started a list of 25 things to do to save money. This is a link to Frugal Upstates list. Some interesting ways that I had not thought about. I am starting my own list and trying to think [...]

Saving Money in Small Ways

Not having a lot of money to save makes trying to start and fund my emergency fund interesting. Everyone talks about keeping 10 % or 20 % every month and saving it but when you are in the hole, that’s pretty hard. Right now, my savings consist of $55 in change in a [...]

Plan of Action

There are several ways to attack debt. There is Dave Ramsey’s Debt Snowball or Mary Hunt’s Rapid Debt Repayment Plan. The Snowball plan is to pay off your smallest debt first so that you gain a feeling of accomplishment. This method has worked for me before and it may be the one I go with [...]

State of the Debt

I am, like most Americans, head over heels in debt. At one time, this was not a painful situation but times have changed and so has my situation. I have made good decisions and bad decisions and it’s a shame that the economy didn’t cooperate with the good ones. I chose to leave [...]