Have you ever heard of the snowball method for paying off debt? I believe it was made popular by Dave Ramsey (who I don’t follow), but I’m sure many people started using this method many years ago. The idea is simple. You “snowball” all of the money you have available to put towards debt and apply it to the smallest… Read More
I came across this question a few weeks ago on one of the many discussion boards I frequent on the web. “How many times do you pay your credit card each month?” My first thought was: “Once. Why would anyone give themselves more bills to pay in the same month?” I pay my balances in full on their due date… Read More
I’m sure we all feel the same way about fees, but we understand that they are a necessary evil. I consider myself a good consumer (I pay my bills on time), but we all slip now and then. When I get hit with a fee, I always try to get it waived. Otherwise, I feel as though the fee is… Read More
Are you familiar with the book The Five Love Languages? The author, Gary Chapman, suggests that we each speak our own love language. When we learn what our language is and understand our partner’s (or children, parents, friends) language, we are able to build healthier and stronger relationships. My husband P and I were discussing our finances recently and it hit… Read More
For the most part, I have had a pretty good relationship with my credit cards. We didn’t get along perfectly in the beginning, but we’ve worked out our differences over the years. While some folks believe credit cards are the devil, I am a huge proponent of using credit responsibly. The important thing to remember when swiping the plastic is to… Read More
I have a nerdy confession to make… I enjoy budgeting. I like big spreadsheets and I cannot lie. In the accounting world, staring at spreadsheets is about 99.9% of your job. Those spreadsheets were boring, but I found myself addicted to using spreadsheets in my personal life.