Recent Entries

  • Work at Home Scams- How to Spot Them and How to Avoid Them

      Work at home job scams are everywhere.  You’ll see them all over the internet, in your junk mail, in your email, and even on flyers posted around town.  In fact, work from home scams are so common it’s not always easy to tell the scams from legitimate work at home opp...
  • How to Get a Lower Interest Rate on Your Credit Cards

      Getting a lower interest rate on your credit card is something you can do with just one phone call.  We've all been there.  You get sucked in by those low 0% introductory rates, build up a huge credit card balance, then get hit hard with interest rates as high as 28% once the low...
  • Should You Repair Your Car or Replace it? How to Know for Sure

    If you’re a car owner, at some point you’ve probably been faced with the gut wrenching decision of whether to repair your car or replace it.  It’s rarely an easy decision to make.  Repairing vs. replacing your car can have huge financial consequences that last months or...
  • 10 Top Work From Home Jobs for Stay at Home Moms and Dads

    Work from home jobs are more popular than ever.  When you make the important family decision to stay at home with the kids, there are plenty of things you have to consider before you make the leap.  Being a stay at home mom or dad takes serious planning if you want to get it ri...
  • 9 Ways to Make $1,000 (or More!) a Month as a Freelance Writer

    This article originally appeared on the Celebrating Financial Freedom blog at http://www.cfinancialfreedom.com   Freelance writing is an excellent way to make extra money!  And the great thing about it is that there are always plenty of freelance jobs for writers available if you know ...
  • Ebates Review + Tips- Get Cash Back When You Shop and $10 Free

    This post originally appeared on the Celebrating Financial Freedom blog at http://www.cfinancialfreedom.com Everybody likes to find good deals online!  You, the CFF readers, have even told me so in many of the surveys I’ve done.  So I wanted to share this Ebates review w...
  • 25 Quick and Easy Ways to Make Money to Pay Off Credit Card Deb

      Credit card debt is one of the most common types of debt that’ll keep you in constant bondage.  And one of the best things I recommend to pay off debt of any kind, is to find ways to make extra money.  The great thing is, there are a TON of quick and easy ways to make money...
  • How to Pay Off Debt When You Live Paycheck to Paycheck and Have

      How do you pay off debt when you’re living paycheck to paycheck and don’t have any money?  I get this question just about every week from readers who want to pay down their debt but don’t feel like they have the income to do it. I certainly understand that line of t...
  • The Top 10 Lies About Money That Keep You in Debt

      This post originally appeared on the Celebrating Financial Freedom blog.   Lies about money are everywhere.  Unfortunately, many of the biggest money lies people believe are usually taken as truth.  I'm convinced this is especially true when it comes to getting out of debt...
  • How to Sell Stuff on Amazon FBA for Beginners- Money Making Ide

      This post originally appeared on the Celebrating Financial Freedom blog. Selling Stuff on Amazon FBA is an amazing way to make extra money on the side.  You can even earn a full time living as an Amazon seller if you want!  Learning how to sell on Amazon using the Fulfilled...
  • 13 Essential Things You Must Do When You Lose Your Job

    It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it. Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, y...
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  • How to Become a Stay at Home Mom (or Dad!)- 16 Tips

    Becoming a stay at home mom ( SAHM ) or dad is an important decision a lot of families struggle with.  Making the decision to stay at home with the kids while the other spouse works takes plenty of consideration and planning if you really want to make it a blessing for your family. If you do...
  • 13 Better Money Habits You Need to Get Out of Debt

    Developing better money habits that lead to getting out of debt is one of those things everybody knows they should do, but sadly most don’t.  I know Angie and I struggled for years with nagging debt that never seemed to go away.  It wasn’t until we changed our money habits an...
  • 10 Simple Tricks to Stick to Your Budget When It’s a Struggle

      Learning to stick to a budget can be a little hard at first.  It’s not really something that comes naturally to most people.  Struggling to maintain a budget for your money is actually pretty common when you’re just getting started.  But when you know the differe...
  • How to Make Money Baking From Home

    My latest money making idea was inspired by all the baking shows that are so popular on TV these days.  I got the inspiration from seeing so many people on these shows who love to bake delicious treats in their spare time, and how they make people so happy with their creations. Thi...
  • Why I’m Living Paycheck to Paycheck (and Why You Should Too)

      I’ve decided to come clean and make a confession about my finances!  I’ll fess up here in just a minute, But first I wanted to share a couple of important facts with you. Did you know that studies show 2/3 of people are living paycheck to paycheck, and 1/3 ...
  • How to Increase Your Credit Score Without Using Credit Cards

      If you’ve been reading my blog posts for long, you know I’m not a big fan of having a credit score.  In fact, I believe the best credit score is no score at all.  So why would I write a post about how to increase your credit score? Well, in some cases it’s easi...
  • 6 Tips For Dealing With a Financial Emergency

    Every one of us has do deal with the occasional financial emergency.  If you haven’t had a financial emergency rear its ugly head at some time in your life, just wait, it WILL happen. Sometimes these emergencies are beyond your control, such as a car accident, storm damage to...
  • How to Avoid Student Loan Debt With Weird Scholarships

    College is expensive, and student loans are not a good solution by any means.  That's where scholarships can come in really handy.  Here's a guest post from Pyper Barnes who is a current college student and runs a unique website named WeirdScholarships.net where you c...
  • Living Paycheck to Paycheck- How to Manage Your Money Better

      When I did the latest reader poll here on Celebrating Financial Freedom a few months ago, the biggest problem most of you said you were facing is that you are living paycheck to paycheck.  It’s a problem that I see almost daily when readers contact me for financial advice. Unfo...
  • 5 Ways to Save at the Grocery Store Without Using Coupons

      Saving money at the grocery store is one great way to use your money more efficiently.  Most experts (me included) recommend that your food budget should be between 5-15% of your take home pay.  This includes groceries and eating out combined. My family and I typically stay with...
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  • This is Why Your Budget Isn't Working

      When I wrote some of my recent articles on how to budget, I wrote two posts entitled “How Do I Start a Budget?” and “How Do I Start a Budget (Round 2)” as well as “How Do You Budget on a Variable Income?”. But I just now rea...
  • 7 Great Ways to Accelerate Your Savings

      Most Americans are saving very little money, if any at all.  I know my savings have been harder to come by in recent years. Over the last few years my income was cut almost in half due to several factors.  On top of that, we were also paying cash for my wife’s bachelor&rsqu...
  • Small Victories Win the War- Get Out of Debt & Achieve Goals

      Getting out of debt can seem like a daunting task.  When you finally decide to take the step of getting yourself out of debt, it’s easy to be intimidated by the huge goal you’ve presented for yourself. And when you realize what you’re up against, you’re ready ...
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  • Need to Get Out of Debt? 5 Simple Steps to Get Started Right N

    Ever entertained the idea of getting completely out of debt but never figured out how to get started?  I think most anybody who’s in debt or has been in debt has entertained that idea at some point. You realize you’re not comfortable with how much debt you have, and you...
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  • How to Renovate Your Life- 3 Steps to Make Change Happen

    At my house, we’ve recently had a bright red cardinal start paying us a daily visit.  He seems to like the feathered wreaths my wife Angie hung in our front sitting room window. He likes to perch himself on the weeping cherry tree next to the window, and every 30 seconds or s...
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  • Don't Manage Your Debt- Eliminate it For Good!

    Being a personal finance blogger and a money geek, I like to read personal finance blogs, watch shows about money, and read tons of books on money, business, and finance.  I even listen to podcasts and radio shows about money when I get a chance. Most of the personal finance experts I l...
  • How to Start an Envelope System and Budget With Cash

    Starting an envelope system along with a consistent monthly budget is absolutely the best way to operate your finances, period.  If you consistently have trouble knowing where all your money goes, and having the discipline to keep from spending too much, then using an envelope system (along w...
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  • Living Paycheck to Paycheck? How You Can Get Ahead (Part 2)

        In the first " Living Paycheck to Paycheck?- How to Get Ahead " article in the series, I showed you eight things that may be causing you to live from paycheck to paycheck. In this second part of the series, I'll show you some of the things you can do in order to sto...
  • Living Paycheck to Paycheck? How You Can Get Ahead

    Studies have shown that more than two thirds of people are living paycheck to paycheck at least part of the time. That's a pretty stunning statistic. Keeping your head above water financially seems to be getting harder and harder every year, and there are a variety of reasons why that's ...
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  • 18 Ways to Simplify Your Life and Spend Less

    Have the demands of your life and finances become overwhelming?  It’s a problem that most of us face at one time or another.  The quickening pace of modern society can easily overtake your time, your money, and ultimately your happiness if you let them. If you’ve gotten to t...
  • My Top 5 Budgeting Apps

    If you’ve been following Celebrating Financial Freedom for very long, you know I’m a huge fan of budgeting.  I truly believe it’s very hard to succeed financially without doing a consistent monthly budget that gives every dollar a name and keeps you from spend...
  • 5 Budgeting Excuses and How You Can Overcome Them

    Making a monthly budget for your money before you spend it is a habit I’ve been recommending for years, and I’ll keep recommending it until everybody gets it. In today’s post, I’ll cover the most common excuses for not budgeting, and how to overcome them.  I'll also g...
  • 21 Things You Can Do Today to Set Up Your Finances For Massive

    You can read all the personal finance blogs and books ever produced to learn to be successful with finances.  But none of it really means anything until you use that knowledge to take action in your financial situation. To set yourself up for financial success, you have to focus your ef...
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  • 13 Ways To Save Money On A Low Income

    I get a lot of questions from readers wanting to know how they can save money on a low income, so I thought I would write a post about some of the suggestions I’ve been giving out that can help you put money in the bank, even when you’re living on a limited income.  I’ve als...