Thinking about embracing the cash envelope system but not sure how it works and if it will work for you?  This post will walk you through how to set up your cash envelope system and budget and the benefits of using the cash envelope system. Most of us at one time or another have struggled with overspending. When I was in debt, I learned about the cash envelope system and quickly realized the View Post

Think you can’t build your savings if you live paycheck to paycheck or don’t have a nickel to spare?  Depending on your personality, these strategies can help put your saving on autopilot so you can finally create an emergency fund. Back in the days when I was flat broke, saving wasn’t high on the priority list. Frankly, I was trying to keep my head above water and prevent the bank from taking View Post

Cash is King!  I heard this phrase countless times from my father's business friends.  They would love it when a customer would come into one of their stores and pay for goods or services using cash as opposed to placing the purchase on a "store credit account." My father and his friends understood the importance of money.  It was immediate, and they didn't have to wait a predetermined View Post

Today's guest post is from Darlene Daniel, Attorney at Law who specializes in bankruptcy issues.  Bankruptcy enables people who are delinquent in financial obligations to legally discharge (wipe out) their debts, often with little or no negative consequences.  She can help determine if you qualify under the Chapter 7 “means” test, or if you will need to file for a Chapter 13 reorganization to View Post

Debt is like a thief that slips into your home while you're away and robs you of your security and self-worth.  If you've every been in debt or are in debt right now, you know how destructive and painful it can be. So if you're in this place right and you're wondering what the answer is, I'm going to show you how to get out of debt and end the cycle of debt. How to Get Out of Debt and Stay View Post

Is your college grad struggling with student loan debt?  Are you up to your eyeballs in repaying a parent loan? If so they're not alone.  The most recent statistics on student loan debt tell us the following: $1.28 trillion in total U.S. student loan debt 44.2 million Americans with student loan debt Student loan debt delinquency rate of 11.0% Average monthly student loan payment View Post