Is It Worth It to Have a Decent Credit Score??

Recently, we put our house up for a short sale to rent a townhouse closer to work and college. Half the people I talked to about it were, "good idea, will definitely save money, sounds great." The other half were pretty upset, stating such things as, "It is your duty to pay for the house, you are throwing everything away, you are going to drag your credit score into the ground and it will be very difficult to bring it back up." So I ask myself: Is it worth it to have a decent credit score? Why?...more
I will definitely say the my buying a house, at 10%-15% down, at an early age, in a bad ...more

Love and Money: Women Should Learn to Protect Their Finances

At a recent event held by the San Francisco chapter of "Girls in Tech," women were treated to a unique perspective on the balance between "Love and Money." That was, in fact, the title of the seminar by family lawyer Monica Mazzei and certified financial advisor Michelle Soto....more

The Great American Apparel Diet Ends Tomorrow

I've seen a lot of posts in the past few years about curbing mindless shopping. Sally Bjornsen started The Great American Apparel Diet two years ago in an attempt to go for a year without buying new clothes. While she completed her diet in 2010, she extended the project out for another year -- and it's ending tomorrow after hundreds of bloggers from 17 states and a handful of countries joined her quest to stop the madness....more
I put myself on a clothing ban for the entire summer, and I'm happy to say that I haven't ...more

Cheat Sheet: Quickly Calculate How Long it Takes to Double Your Money

The process of getting a firm grasp on one's finances can be overwhelming, for sure, but there are numerous convenient tools that can be used to make quick calculations and one such tool is the Rule of 72.The Rule of 72 is a mathematical shortcut which you can use to quickly calculate roughly how long it will take for your money to double (not taking into account inflation or taxes) assuming you start with a fixed amount of principal at a fixed annual interest rate and don't add a penny to it.Here's how it works:...more
@Pawngo Thank you so much for your positive feedback about the post. Love knowing that you ...more

What Does Financial Security Mean to You?

 It’s scary out there. Plunging stocks, massive debt, and dismal job growth. A quick scan of the headlines can test faith and make one wonder if the US economy can completely fail. We all know that something has to change – we can’t sustain our current spending and it seems with each passing day we’re loosing our footing on the world stage....more
This was a really excellent blog! Thanks for sharing your personal story, Karen. I enjoy your ...more

I Bought My Clothes for BlogHer '11 at Goodwill

I have done almost all my BlogHer '11 shopping this year at Goodwill. And no, I'm not making that up....more
100% of my husband's clothes (excluding underwear & socks) are thrifted. 100%. We found a ...more

Throw a Bridal Shower Without Going Broke

Since I wrote my expensive-to-be-a-bridesmaid post, I volunteered to help plan a shower for one of my dearest friends, who also happens to be unfortunately classy -- and I say "unfortunately" because it means I totally can't have a backyard barbeque for this shower. It has to look nice. And I have to do it on a budget....more
Thanks for sharing my post! Decorations -- we are trying to use the scenery for that. @Blondie ...more

ADHD and financial pitfalls

I don't have ADD, but my husband does. He's nowhere near hyperactive, but he does have impulsive spending habits, disorganization and a tendency to lose things. (He once lost his wallet between the car and our house. Another time he lost an envelope of cash - $3,000 – twice in one day.)And while I am certainly not perfect when it comes to spending or finances, we can both agree that it's a good thing I handle all the bills. A VERY good thing.I ran across this article today and thought it was spot-on:...more

The Social Side of a Spending Fast

Ahhh... this is a BIG one.Here on And Then She Saved I get this question a lot: "How do you have a social life, keep your friends AND do a Spending Fast?!"This is a question and topic that has proven itself to be a major source of trouble for people who decide to take on a Spending Fast.I want to give a hearty Thank You to Katherine for letting me share her recent question with you- Thanks Katherine! (I said that heart-i-ly over here. I only wish you could have heard it. It was pretty good.)...more
Great post Anna.  So glad I found you here.  There is definitely a lack of social activity when ...more

Getting eyes on my blog - Help!

How do I get funding for my project by getting eyes on my project? I am working on funding my pocket parks project and posting it everywhere. Check it out here: The problem is that I don't want to continually bug my friends via email, Facebook, etc., lest they tune out, yet I'm hovering at only about 30% of my goal amount. I have to fund it fully by August 1st, so time is running out....more