Related Posts
  • Blog Post: How to Make Money Without Actually Spending Money

    I'm going to share with you how my husband and I make money without actually spending money, or very little money. We call it "junking" and you can make as much or as little as you want. All you need to get started junking is a good eye for items that can be repurposed or brought back to their former...
  • Blog Post: Use Trick-or-Treat Coupons to Save Money

    The ghosts and goblins will soon be knocking on your door hoping for super treats to fill their buckets and sacks. Are you thinking "budget buster"? Are you thinking, maybe, you won't treat this year - you'll just keep the lights in the house off and pretend not to be home? Truthfully, I am guilty of...
  • Blog Post: Just Curious...What Things Will/Won't You Splurge on

    Most everyone has a few things they just plain like and will spend more to get. Sometimes by buying "better" it's more frugal, yes, but sometimes it's a case of "I like this brand so much better I'll pay more for it". And, yes I do splurge on some things and I feel I make up for it in other savings....
  • Blog Post: 10 for $10.00 and I’m Diggin’ It!

    For me, any grocery store offering sales of 10 for $10.00 will find me a willing customer. Why? Because I'm finding that these stores are often offering name brand items that I regularly use and, if purchased at the regular price, would be quite pricey in quantities of 10. Another reason I love the 10...
  • Blog Post: Do You Check Out the Discount Carts?

    It is worth it to check out the discount carts and racks at all the stores you visit. Especially the grocery stores . My husband and I laugh every time I come home with a bargain because I call it "Indoor Dumpster Diving". The three grocery stores I frequent all have discount carts that are usually located...
  • Blog Post: What to Say to Pesky Debt Collectors

    If you've ever been the target of persistent debt collectors, then you know how intimidating the calls can be. They often come at inconvenient times (even though they aren't supposed to) and keep coming until they reach their intended target and achieve their goal of collecting funds. The Consumer Financial...
  • Blog Post: This is Not Goodbye But Good Luck. See You at The Finish Line.

    Wow, I never thought this was going to be as hard as it is. This is my final blog. As the tears start rolling down my face, it is hard to read what I am writing. Maybe that is a good thing. In October 2009 when I enrolled with CareOne , I never thought I would make such wonderful friends with people...
  • Blog Post: How to Sell Books for Cash

    If you are like me and find that you have a multitude of books in excellent condition taking up storage room in a closet or drawer, have you ever considered selling your books to make some extra cash? Who doesn't need or want extra cash? I read so many posts from people talking about how they have cut...
  • Blog Post: Getting ahead for 2014: Starting my Budget Now

    What is the best way to prepare for the upcoming year? What I have found that works for me is to start my budget for the next year early. I am taking a look at my 2013 budget and seeing which months my budget worked out great, and which months I didn't meet my budget. What I have learned about budgeting...
  • Blog Post: Give of Your Time Not Your Money

    I find that the holidays can be a very expensive time. I joined CareOne to get out of debt and had all of my credit cards closed, but before that, I would create enough debt to stress me out for months after Christmas. I know from my years hanging out in the CareOne community that I was not alone in...
  • Blog Post: We are NOT Failing to Plan for the Holidays!

    My daughter has a favorite saying. It is: "If you fail to plan, you plan to fail." I have heard it before, and I guess most of you have. We heard it from the same place she did, a teacher trying to get students to plan ahead and be prepared for their classes. It fits her personality and her Asperger...
  • Blog Post: Residual Interest; Why Your Last Payment to a Creditor May Not Close Your Account

    With only a few months to go on our debt consolidation plan we have had several accounts reach a balance of zero. Each paid off account is an exciting indicator that our hard work is paying off, and one step closer to having our credit card debt eliminated. With a recent payment we accomplished another...
  • Blog Post: You Can’t Invest if You Can’t Save Money

    Saving money is the foundation of all financial success, including investing. Having money saved is what provides the means for you to take advantage of situations, whether it's going back to college, starting a new business, or buying shares of stock when the market crashes. We know we should get into...
  • Blog Post: Programs That Save You at the Grocery Store AND the Gas Station!

    There's a trend that appears to be occurring in my part of the country. Grocery stores are forming partnerships with gas stations to lure customers into both businesses. One of the grocery stories I shop at has just such a partnership, and I'm just now realizing the potential of how much it could save...
  • Blog Post: Another Credit Card Horror Story

    Ah, FALL IS HERE. October is time for hobgoblins and horror, and sadly, for some of us, horror can come from a seemingly innocent source...credit cards. My credit card horror story dates back many, many years. Once upon a time I had excellent, almost impeccable credit. Never missed a payment, usually...
  • Blog Post: Looking Back on our Journey to Debt Consolidation

    Our 1 year anniversary of being enrolled in the CareOne debt consolidation program has made me really stop and look back at how we got here. I know that when we finish our debt consolidation program that I want to stay out of debt. I don't think that will happen if we treat this like a diet. We cannot...
  • Blog Post: Debt is a Four Letter Word, but Debt Consolidation is Nothing to be Ashamed of!

    I heard Vonnie scream in pain from all the way on the other side of the house. When I reached her she was sitting on the floor rubbing the top of her foot and whimpering in pain. She had been dusting a bookshelf and dropped a small stereo speaker on her foot. I helped her up, and let her lean on me as...
  • Blog Post: Why it’s Important to Pay Off Your Debt

    In my experience, when I was in debt, I was stuck in a vicious cycle. Every time I made a payment it seemed by the next billing cycle I was using the available balance to keep me afloat until my next paycheck. This cycle caused a lot of stress. It got to the point where I had to do something, as I didn...
  • Blog Post: Interest: the Untold Story

    Every year, a group called the Tax Foundation calculates the day when Americans have earned enough to pay their taxes for the year. The day is called Tax Freedom Day, and for 2013 the day calculated is April 18 th . So the amount of money you earn after April 18th should be all yours to do what you please...
  • Blog Post: Family Buy-in; The Essential Ingredient to Debt Consolidation Program Success

    The day I enrolled in CareOne's Debt Consolidation Program , I couldn't wait to tell my family. I knew they would share in my excitement about a plan where I could consolidate my debts and have ONE manageable payment per month that would pay off all my creditors in a reasonable span of time. For years...
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