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How to Insure Your Home Business

A business is a business regardless of where it’s located. That includes home-based businesses, which is why decisions about insurance should be based on need and not location. Each of the almost 40 million home-based businesses in the United States is unique. From the smallest part-time venture to multimillion-dollar international enterprises, they all need insurance to …

Dear Mom, You Were Right

Right after the first of the year, I’ll turn 35. And what a life it’s been so far. My childhood wasn’t perfect, but I was raised by parents who showed me they loved me every day. I didn’t always like the lessons they taught me, but I know now that they were always coming from …

Ending the Cycle of Excuses

During my second and third years in college, I made some poor decisions regarding which classes to take. Those poor choices, during a period when I was no longer sure about my major, ended up tacking an extra year onto my college experience. My response should have been to talk to advisors and figure out …

Categories: Getting Started

How High School Students Can Financially Prepare for College

Preparing for college can seem overwhelming. The truth is, it’s never too early (or too late) to take steps while still in high school. There are plenty of things you can do to prepare both academically and financially for your big college adventure: Take Challenging Courses and Choose Wisely Many colleges prefer that you take more than …

Categories: Education, Loans

Debt and Your Marriage

When you marry your spouse, you’re merging lives. You’ll need to make room in yours for their books and furniture, sure, but also their family, maybe their pet — and, more often than not, their debt. In fact, seven out of 10 Americans enter into marriage with debt, according to debt.org. To make matters worse, those first few …

When Cheapness Goes Too Far in a Marriage

Sarah and I are frugal people. We like to cook at home. We fill our free time with lots of low-cost activities. Our social calendar involves a lot of potluck-style dinner parties. We often do things like make our own laundry detergent. We like to calculate the cost of everything. Still, there are lines we …

Categories: Family

13 Times Cutting Corners Will End Up Costing You

Over the years, I’ve learned that being frugal does pay off. But sometimes, it just doesn’t pay to be cheap. (I’ve spent thousands of dollars to figure this out. Please don’t do the same.) There was a time when I attempted to save every extra dollar that made its way into my bank account. Did …

Best Bad Credit Loans for 2015

A bad credit score can turn getting a much-needed loan into a big headache. Your credit score affects your interest rate and a bank’s perception of your ability to pay them back. Your loan may be capped at a lower amount to help the lender lessen its risk, and you may even have to offer …

Small Business Money Traps to Avoid

First off, accept that you are going to make mistakes running your business. Calm down, we all do. And while it’s okay to lose a battle or two, just don’t lose the war. Remember, each time we make a mistake there is a valuable lesson to learn from it. Financial mistakes are often the result …

25 Gift Ideas Under $10 I’d Be Happy to Receive

Whenever I see a typical gift idea list, I have two immediate frustrations. One, the gifts on it are often expensive. If there’s someone out there I’m going to be spending $100 or more on for a gift, it’s very likely that I know that person well enough that I don’t have to be looking …

Categories: Frugality, Shopping