How to Budget When You Have No Savings

It can be very difficult to start a new budget or your very first budget ever, when you do not have any savings that can help you get started on paying those bills right away. You don’t want to fall behind, so you just pay what you can now and look for a good...

21 Frugal Meals to Make When Money is Tight

Your budget has been a little tighter as of late and you have fully committed yourself to a lifestyle of frugality. I commend you. You have dedicated your time to budget creation, minimizing your unnecessary expenses and contributing more to your debt reduction and...

How to Budget with Glass Jars

There are so many budgeting methods out there that could potentially help you get control on your financial matters. They can help you work towards a more stable and secure financial future that can be confusing and sometimes overwhelming trying to figure out where to...

5 Reasons Why Dave Ramsey Sucks

If you have dabbled around in the personal finance field for a bit, you have probably come across Dave Ramsey’s 7 step program and/or his daily radio show. His approach is supposed to help people get out of debt, fix past financial mistakes and help them build a sound...

How to Pay off Debt on a Small Income

Your debt is growing, but your income stays alarmingly small? You have no idea how you can make ends meet and pay off a past financial mistake that keeps getting worse? You feel doomed and your anxiety levels are rising dangerously high every time you get close to...

How to Eat Out Frugally

Food is great. It’s delicious. And even more tempting when you don’t have to cook it.  Let’s face it, most of us want to try as many different dishes as possible, but the thought of having to cook them at home can lead to frustrations and sometimes kitchen disasters....