Dining In: Kitchen Essentials for the Home

Recently, a friend of mine was musing with me about some of my “frugalista” tendencies such as baking my own bread and grinding my own peanut butter.  While she marveled at these endeavors, she shook her head at the idea of ever being able to accomplish them. I assured her that I’m not really that […]

A New Paradigm: Adult Children Living at Home

A while back I wrote about Cheri Frame, an educational consultant who runs a business called “Credits Before College“.  Her goal is to make sure that kids are getting out of college without debt so that they are financially prepared to enter the work force or even go into ministry if they so desire. The […]

How Much is Enough?

Watching commercials, browsing catalogues, visiting on line shopping sites, watching shopping networks on TV, reading advertisements and interacting with social media about different products makes you want it all now! We’re living in a society where folks feel they need that instantaneous fulfillment and everything in our culture encourages us to buy, buy, buy. The […]

Take a Pay Cut! Create a Crisis Budget

What?! Take a pay cut? Why would anyone in their right mind do that? OK, I know most people don’t willingly take a pay cut, but it is important to have a back-up plan in place in the event a pay cut becomes a reality. And, the reality is, pay cuts do happen, and it […]

5 Tips for Buying a Car

Buying a car can be challenging especially, with all of the latest and greatest technology and gadgets that are installed in vehicles nowadays. Advertisers entice us to buy the latest greatest vehicle, so we can be sexy and powerful, but when you get past all the sleek advertising, a car is simply a mode of […]

And Lead Us Not into Temptation

I remember a trip to the grocery store where Satan was clearly messing with me. I walked out of the grocery store to find a gorgeous, pearl-white sedan parked right next to my 13 year old (but very well-cared for) minivan. Up until that point, I hadn’t really given much thought of buying a new […]

Goal Setting: Keys to Staying the Course

Every New Year gives us the opportunity to turn over a new leaf, setting goals that will make this year better than last. Our minds are filled with optimism as we set our sights on improving our lives financially, spiritually and physically. As we embark on setting these goals, it’s important to keep ourselves in […]

2015 New Year Resolutions

The Christmas season has come and gone and everyone seems to be in the mode of making New Years resolutions. Some of the most common resolutions include losing weight, exercising, eating correctly and doing a better job with finances. However, and most of these resolutions won’t last any longer than two weeks. The reason they […]

7 Things The Middle Class Can No Longer Afford

During economic discussions, we often hear about the financial burden that’s placed on the middle class. So, who are the middle class? Though there is some debate over the exact income a middle class household brings in, we do have an idea of who the middle class are — most working class people. They are […]

Budget Busters: Setting up a “Non-Emergency” Emergency Fund

Creating a workable budget seems pretty straightforward. We have several categories, which help us allocate money, making sure we’re tithing and covering all the essential bills that need to get paid. However, it seems like there are always little things that come up to throw a wrench in our well-laid plans. I find these are […]