When my husband and I launched our “get out of debt” program, one thing I absolutely did not want to give up was our annual holiday. We had so many wonderful memories of time spent travelling together. I just couldn’t imagine not looking forward to a holiday adventure every year.
This may sound like a cliche, but we found that the most important part of a holiday is not the destination, but the time we spend together as a family. Since my husband and I decided to get our debt under control and omitted travelling holidays, we’ve discovered some great alternatives to our annual trips. It may take a little research to find something to suit your family, but I promise you it will be well worth the effort. …continue…
6th July 2009 at 2:14 pm

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In order to prevent identity theft by use of credit cards and credit card fraud, there are several steps that credit card holders may take to keep themselves and their credit safe. The more obvious steps to take, such as not loaning out your card, not leaving it lying around, keeping your card in sight whenever possible, and not giving out the number to people without first verifying their legitimacy, are only the beginning. …go on…
1st July 2009 at 9:44 am

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My husband and I just took a large portion of our emergency savings to pay for some automobile repairs. A car payment for a new car is out of the question. We decided that the best thing to do was pay for the repairs with our emergency money. After all, that’s what the savings account is for - emergencies.
It was difficult for me to let go of that money, though. Seeing that hefty balance in our savings account made me feel secure and happy. Watching the account being depleted by about half made me nervous. What if we need that money for something else? …continue reading…
29th June 2009 at 5:21 pm

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Job hunters today need to take advantage of every tactic that can bring them closer to landing a job. The sluggish economy is making it difficult for even those with stellar resumes to secure new positions. One tried and true method to finding available jobs - and possibly increasing your chances of being hired - is networking. Networking is simply using your existing contacts to become acquainted with new contacts, with the idea that somewhere along the way you’ll be connected to someone that can help you locate the job you’re looking for. …read more…
26th June 2009 at 3:33 pm

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Years ago when my husband and I found ourselves in the middle of our self-made financial storm, it seemed like we were the only ones that were struggling with money. That wasn’t true, of course. I’m sure there were plenty of other people that had mismanaged their money and ended up in a bad financial situation. At that time, though, not many people talked about their personal financial disasters.
One positive thing I’ve seen grow from the recent worldwide recession is that nearly everyone is realising that they need to be more careful with their money. It’s much easier to make the decision to be frugal when everyone else is doing the same thing. And it’s not humiliating to admit that you’re battling with your budget because there are many people that can empathise with you. …contiue reading…
22nd June 2009 at 3:44 pm

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You might feel deprived when you start trying to get your spending under control. If you’re used to doing or buying certain things, and all of a sudden you can’t, you might resent the idea of leading a frugal life. Finding new ways to manage your finances will definitely take some adjusting, but it doesn’t need to be painful.
When my husband and I started cutting back on unnecessary expenses, I have to admit that I fought back at times. I loved going out to restaurants. We both worked hard, so didn’t we deserve a meal that someone else fixed? I loved good deals on earrings and other jewellery. Just one pair of earrings couldn’t affect our finances much, could it? I couldn’t imagine not planning a vacation or two every year. Isn’t it practically mandatory to take a vacation every year? …read more…
18th June 2009 at 4:25 pm

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