Following are some recent personal finance articles I have written. Reasons not to cut up your credit cards even if you are not charging Benefits of Cutting up credit cards How to spend $5 less a day Personal finance tips for teenagers Personal finance tips for retirees

With direct deposits and auto payments that are available now, you may not be checking your accounts like you used to. It is important to either check your bank statements monthly or check it more often if you have online access to your bank accounts. This morning I happended to check my bank account, after [...]

There may be circumstances that come up where it is necessary to take money from your emergency fund or borrow money but in most cases it is important to live within your means. If your financial circumstances have changed it is important to change your spending to match your income. The longer you wait, the [...]

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