Increasing your rainy day fund

For most people, it's because of the car: New tires, a new belt, a broken thing-a-ma-bobber. Whatever the issue, it is not covered by insurance and the out-of-pocket cost is well over $500. And, unfortunately, it is taking us longer to recover from the financial blow to our budget....more

Dealing with Debt - Part 2

 Just to recap, in part one (see it here) I talked about creating a game plan for dealing with any overwhelming debt you might have and I listed the below steps:...more

In Debt For Life: One Former Foster Youth’s Cost Graduating College

By everyone’s quick assessment, I’m considered a success story....more

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