Ben Stein has a book called How to Ruin Your Finances. To be honest, I¡¯m not sure an entire book is needed on the subject¡ªthere are some fairly quick and easy ways to accomplish the task. (Before continuing, let me be clear that I do not actually ...

Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

However, this i ...

Most of us, especially those of us who have debtor¡¯s disease (if you have it you know what it is!), have commented or at least thought, ¡°If I could just win the lottery, or sweepstakes, everything would be better.¡± Unfortunately, even if that big ...

Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of d ...

I think most of us have at some point in our lives. Some how we forget to feed the little piggy. And, like most neglected ¡°pets¡±, your piggy bank will disappear if you don¡¯t feed it. A personal budget is important to create financial independen ...

Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn¡¯t make life any easier. My son wasn¡¯t much of a challenge. Thank goodness, he¡¯s not ¡°fashion conscious¡±.

The girls on the ot ...

Of course, these don't have to be done in any particular order! \rJust pick one or two that particularly apply to your situation.

* Create your 2005 filing system. This might include new file folders, a new box to hold them or sp ...

Frugal living is more than a lifestyle. It's a passion. \rCall Me Crazy! I love It!

Why, who wouldn't love getting paid to buy products that they use everyday?

Here's how I do it.

I purchase an item that has a rebate offer (eit ...