From Welfare to Wealthy Woman: How I Became a Financial Expert

I grew up with a single mom who struggled with a serious mental illness – we were on welfare most of the time, living in low-rent apartments and going to the food bank for bags of dented soup cans and crushed bread. ...more
Gracie1015 Thank you for your tips - I haven't read the Dave Ramsey book yet, but I've been ...more


I earned my Juris Doctor degree three years before the bubble burst and the economy collapsed. My first semester in law school, I quickly figured out I wasn’t the brightest student there. This was somewhat shocking to me, as I always excelled at academic subjects related to reading and writing. Not one to take failure lightly, I pushed myself relentlessly and graduated with an “Excellence for the Future” award. I passed the bar examination and entered the work force thinking my law degree was my ticket to the 1% club....more

How to Tackle Your Debt: The Debt Snowball vs. the Debt Avalanche

When you’ve racked up debt across multiple loans, being debt-free seems like a distant dream. But it’s possible! The first step is to create a repayment plan that will work for you....more
I'm a fan of both methods. I think it definitely depends on each person's financial situation, ...more

7 Reason Why You Are Still Broke

It seems like these days the more money you make the more you spend. You go to work every day, make a respectable salary to pay your bills and still have some left over too. So why don’t you have more money in the bank?  The truth is that financial freedom does not come easy. You cannot rely on the same financial practices and expect a different outcome. If you take a good look at your spending habits, it may become clear what is holding you back. See if one of these 7 reasons are contributing to why you are still broke....more

5 Ways to Protect Your Credit This Holiday Season

’Tis the season of Christmas parties, champagne toasts, and racking up debt to impress those you love. Well, OK — that last one may just be an unintended consequence.We’re always hearing how the holidays are a time to be thankful for what we have and the people in our lives, but all too often, this season turns into a shopping frenzy in which we spend way beyond our means. ...more

How I Saved $2,277.60 ... Just By Asking!

I can’t remember if I shared this on my blog, but I was recently a member of a really cool Leadership Academy program. During the course of the program, I was able to take full-day classes with professors from my school’s MBA program. One of my favorites was a class on negotiations—the professor was engaging and the information she gave us could be used in our everyday lives. I walked away from that class with the phrase “basically everything is negotiable” floating around in my head....more
Michael is awesome at this.more

5 Tips For Getting Out Of Debt

So you're finally ready to be DEBT FREE and don't know where to begin? Been there...I'm no "expert", but I do know what worked for us. Here are my 5 tips for getting out of debt, tried and tested by yours truly:...more

3 Easy Steps to a Debt Diet

Happy New Year! I hope the holidays were good to you, with lots of family, laughs, and plenty of food. But all that indulgence means only one thing now –- New Year's Resolutions. It's time to shed some weight, and I don't mean from your waistline. Get ready to be a lean, mean, money-saving machine! Paying off our debt was the single most rewarding thing we ever did. From sleepless nights to owning a home, it's a dream that can become a reality with hard work and patience -- if I can do it, you can, too! Let's get into shape this year with a DEBT DIET and lose some unwanted baggage....more
Love it! We did Dave Ramsey's Debt Diet a few years ago. Such great habits to put in ...more