In many cases, it may be necessary to take out student loans for your college education. However, it is important to keep track of how much you will need to pay back. Suze Orman has the guideline of borrowing the equivalent of what you will earn during the first year at your new job. One [...]

While dining out recently I overheard the conversation at a nearby table turn to credit card use. One diner, a young woman in mid 20s was talking about a friend who used credit cards mainly to get the reward points and could not afford to pay off the balance in full each month. She had [...]

Following are links to a few recent articles I have written for another site. Practical Ways to Spend Smarter and Save More in 2013 How a Large Family Can Save Money Best Selling Books about Financial Matters

Following are links to some recent articles I have written about credit card use. Credit Card Strategies that Can Hurt You Reasons to Stop Using Credit Cards Why Credit Cards are a Slippery Slope to Heavy Debt The Power of Compound Interest Advice on Using Credit Cards Using Credit Cards Only for Emergencies

You can download a free copy of Dave Ramsey’s Guide to Budgeting. It is a 17 page guide with information on how to set up a budget, how to budget when on an irregular income, using the envelope system and other budgeting tips.

I stopped at Loopy’s Dollar Store at 110 11th St S, Moorhead today. Even though it is called a dollar store, some items are more and a dollar but most items are a dollar. There used to be a Loopy’s store at 8th St and 30th Ave S, Moorhead but it closed a few months [...]

Here are some recent articles I have written about budgeting. How to Create a Mini-Budget for a Child Pros and Cons to Living Debt Free Tips to planning a household budget and Sticking to it

Many people think if they can make the minimum payments on their debts they are doing okay. I realize there are certain circumstances where you may only be able to make the minimum payments. If you can only afford that it is important to make some payment on time. Many credit cards charge a late [...]

Money Leaks

In the December 2012 issue of Money magazine there is an article title ” 35 Money Leaks and How to Plug Them”. Even if you follow a budget there may be ways that you are spending more money than you need to be spending. They break it into three differnet categories. You Set it and [...]

There has been a reduced Social Security payroll tax rate for the past 2 years. It was reduced from 6.2% to 4.2%. At this time it is scheduled to revert back to 6.2% January 1, 2013, unless Congress decides not to let the payroll tax holiday expire at the end of 2012. It may not [...]