How to save money and get out of debt

What Do I Do With My Tax Refund?

It's that time of year when all that "free" money starts rolling in. I'm talking about the bonus money, you know -- the fun money (otherwise known as our tax refund)! That is the way so many of us think of a tax refund and five minutes after we spend this year's refund we are already thinking about what we are going to do with next years money. Many of us look at it almost as if we have won the lottery. We are going to do so much with it and it seems to have such amazing powers. I mean ...

Save $400 on school lunches this year!

Save $400 on school lunches this year! These days in America, it seems that everyone is so busy that preparing school lunches is liable to push a typical mom right over the edge. When you have to choose between making school lunches or spending that extra 15 minutes in bed, it seems like buying ready made lunches at the store is a no-brainer, but your budget doesn't agree. The average mom packs $2.00 worth of pre-packaged goodies into each lunch she sends to school with her kids. (That works out to $720 for 2 kids.) What mother hasn't ...

How do I change my husband’s spending?

Dear Readers, One question people often ask is "How do I stop spending money when my bills are out of control but I just don't want to give up the things I want?" My husband Mike wrote about how he changed his thinking when confronted with this situation. Hopefully, his story will give you some measure of inspiration in your situation. Tawra Mike's Conversion Story How I Went From Spendthrift to Tightwad in Four Short Years Being frugal is a way of life. It does not mean giving up everything that you have or want, but it ...