If you’re having financial difficulty, one of the most dreadful and embarrassing sounds is the phone ringing when debt collectors begin to call. They will call for any late payment from credit cards and medical debt to student loans and more. Debt collectors are not trying to be troublesome and anxiety-inducing, they are just doing their jobs. When you are ill-prepared for dealing with debt collectors, you run the risk...
How to Track and Organize Your Bills When You Live Paycheck to Paycheck
When I first discovered the world of personal finance blogging, I dove in head first. I spent over 2 years tracking every cent I spent, earned, or found on the ground in a master spreadsheet. I lived alone at the time, so it was easy to do and easy to control. When I moved in with my now husband, however, tracking “our money” became a lot more difficult than it...
Why You Should Always Have a Side Hustle, Regardless of Your Financial Situation
Image via Pixabay Take even the briefest look into the world of entrepreneurship, and you will find suggestions from every corner to start a “side hustle.” A side hustle is a colloquial term for a small business or professional venture, that you undertake “on the side” – as in, that you do in your “free time”, and not as a feature of your day job. The idea of the side...
What’s $1 Worth To You?
It was one of those cold, rainy days where winter couldn’t decide if it was coming or going. The freezing rain felt like it could turn to snow any minute, and the ground was one giant slush puddle. Despite the weather and my lack of owning proper winter boots, my husband and I were out running a few errands. While we were out, we decided at the last minute to...
Why a Small Home Could Be a Great Investment
Are you currently in the market for a house? Maybe you’re daydreaming about owning a home one day, after binging on your favorite HGTV show? Or maybe you’re stuck in a nightmare rental situation, like me and looking for some options. Either way, realtors and lenders often advise you to “buy as much house as you can afford.” While that sounds like reasonable advice, keep in mind that these agents...