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Correctly Budgeting Your Grocery Bill Can Save You Hundreds a Month

Correctly Budgeting Your Grocery Bill Can Save You Hundreds a Month

Your grocery bill is the most flexible area of your household budget. A few of the first things I do, whenever we're in a crunch for money, is look at how much we're spending on food, crazy items that we don't need or use, and how much we're spending at the grocery store.  It's usually around birthdays, holidays, or a party when I really start to freak because those times are usually when we're spending the most. That's when we (myself actually) starts working on budgeting our grocery bill. I usually go over our budget MONTHLY, but there are times I slack off a little and think, “Yo, I...
Avoid This ONE Thing That Causes More Problems In Marriages + Printable

Avoid This ONE Thing That Causes More Problems In Marriages + Printable

What's One Of the Biggest Causes More Problems In Marriages? Cheating? Lying? Working too Much or Not Enough? Or Financial Stability? Did you know that over 50% of divorces are not at all related to sexual unfaithfulness but rather financial unfaithfulness? In today's debt-ridden society, financial unfaithfulness causes more problems in marriages as a result of financial secrets that have been found out. Unfortunately, ladies, it's mostly our faults on the financial problems in marriages (trust me, I don't want to admit that, but it's true). It's just written in our beautiful little DNA that...
How We Acquired an USDA Home Loan for Our First Home

How We Acquired an USDA Home Loan for Our First Home

Do you have the credit, but not the funds to purchase your first home? Do you want to get out of the rental rut? I’ve talked a few times in previous posts about how my husband and I have been working really hard on our credit, how we’ve been working REALLY hard towards purchasing our first home. In May, we applied for a USDA loan through our realtor and we didn't have “high” hopes, but we were surprised and got approved. It was a relief but at the same time, kinda scary. Were we actually going to do this? Actually, OWN Our First home? Will we be able to do this? Well, we started...
What Are Bad Credit Loans & How Do You Use Them To Fix Credit?

What Are Bad Credit Loans & How Do You Use Them To Fix Credit?

I've been sharing a little bit with my awesome readers about how we're in the process of purchasing our first home and how we FINALLY were able to get to this point. We had to take out a few credit cards that are geared towards those who have bad credit and are trying to rebuild. Check out my post  What I Learned From My Own Budgeting Mistakes to read more about my credit repair process! Getting at least one of these bad credit loans can help you out, as long as you stay on top of them and don't let them go over their limit and you're paying them every month like clockwork. The point of Bad...
7 Things To Do To Improve Your Credit Score Before Buying a Home

7 Things To Do To Improve Your Credit Score Before Buying a Home

Over the past, almost three years, my husband and I have been busting our rear ends to improve our credit scores to buy a home. Which hasn't been an easy task to accomplish at all. So I'm going to help you improve your credit score with a few things I've learned along the way. If you want to improve your credit score, it takes time, commitment and determination. You can't just say “Hey I'm going to improve my credit score” but don't do a darn thing. Trust me, it doesn't work that way. You have to actually WORK wanting to improve your credit score. This post may contain affiliate...
Pssst…..This is My Secret Weapon for Getting Out of Debt

Pssst…..This is My Secret Weapon for Getting Out of Debt

The television advertisements and dozens of junk mail advertisements you get all make big promises. They are real good at selling the idea on how getting out debt, whether it's a credit card, automotive, or mortgage, with some phenomenal program or secret weapon that you can find only by coming to them.  When you think about it, these people are pretty despicable. They are seeking to make money by preying on people who already are deep in debt.  They victimize the victims and in many societies, they put people in jail for that. You and I both know that most of those slick marketing...
3 Important Daily Rituals an Entrepreneur Does For Success

3 Important Daily Rituals an Entrepreneur Does For Success

Ever wonder what goes inside a busy day of an entrepreneur living up to their entrepreneurial functions and activities? Basically, a lot. The very first thing that would enter their mind when he wakes up in the morning is how to show efficiency and effectiveness to the client the benefit of their presentation. Then he would walk into their office and meet with them. An Entrepreneur would emphasize the importance of patronizing their ideas. When they shook hands with it, an entrepreneur knows that’s the start of a brand new day. But meeting up with the expectations is not all that there is....
An Easy Way To Eliminate Your Credit Card Debt Without Hurting Your Credit

An Easy Way To Eliminate Your Credit Card Debt Without Hurting Your Credit

There are millions of Americans out there who have paid off heavy credit card debt, and you may just be the next one. Removing all credit card debt isn't enough, however, by just making minimum monthly payments. In fact, you just need to do a little more than just paying the minimum monthly payments; you can save thousand of interests and shorten many years in settling your credit card debt. To give you a better picture how it work, let use a case study to elaborate the solution. Case Study: A friend of mine asked me to take a look at her monthly credit card statement; according to her, she...
5 Ways to Avoid High Debt as a Young Adult, Your Parents Didn’t Tell You

5 Ways to Avoid High Debt as a Young Adult, Your Parents Didn’t Tell You

Okay so you’ve moved out of your parents house! Got your first apartment! Oh you have a car also!   With that that being said, let's make some cents out of your money so you don't end up in horrible debt! Trust me, you don't want any debt that you can't handle. The quicker you get out of debt, the less stress you will have and the better your finances will be. Take it from someone who's been struggling with debt for quite a few years.  Did you know that many young adults go into serious debt within the first 5 years of being on their own? Mostly because they apply for every single credit...
Purchase or Lease? Which Is Best for You When Buying a New Vehicle?

Purchase or Lease? Which Is Best for You When Buying a New Vehicle?

Purchasing a new car is always an exciting time in life; however, it can also be confusing and time confusing, especially with so diverse types of financing options available. This past February my husband and I leased our first brand new vehicle. At the time it was the best option for us because we literally have NO credit. Well, he had no credit, I had horrible credit and refused to co-sign which is a totally different post I'll probably discuss at another time. We wanted a truck because we go camping, haul stuff for his parents, and we're planning on moving so the smaller the moving truck...

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