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The True Cost of Debt

By Doug Hoyes Everyone knows that they have to pay interest when they take out a loan. It’s the price we pay to use someone else’s money to purchase something we don’t have the cash for today. But beyond that, it’s hard to comprehend just how expensive debt can be. Generally speaking, we don’t really consider …

Student Loan Consolidation: Pros and Cons

Graduating from college comes with the acknowledgement of great achievement — and, if you’re like 70% of graduates, a burden on your back in the form of student loan debt. The average college grad leaves school with $40,000 worth of debt. But if you switched majors, transferred colleges, or went on to graduate school, you may be among the …

How to Maximize Your Meal Planning Dollars with Bulk Buying

Sammi writes in: I really loved your article about meal planning for busy families. My husband and I have adopted this strategy and have been using it for about two months and our food costs have gone down a lot! The only challenge we have is how to incorporate bulk buying into it. The closest …

Categories: Frugality, Meals, Shopping

The Unregulated World of Identity Theft ‘Insurance’

It’s all over the news: celebrity photo hacking scandals, digital security breaches at major retailers, and banks that have misplaced unencrypted backups of confidential customer data. More than 13 million consumers suffered from identity fraud in 2013, according to a study by financial services research firm Javelin Strategy & Research. This is second only to 2012, when …

How to Find Affordable Health Insurance in 2014

Whether you’re self-employed, unemployed, or covered under an employer’s health-care plan, finding affordable health insurance can be a frustrating, time-consuming process. Throw in controversy around the Affordable Care Act (ACA), and finding accurate, reliable information can be a nightmare. Sure, cheap health insurance exists, but qualifying can be tricky, and you’ll want to be sure …

An Introduction to Geocaching, My Family’s Favorite Frugal Activity

On a hot August afternoon, the five of us found ourselves in the shade of an old wooden bridge. There was a wonderful cool breeze blowing through the bridge’s underpinnings, so we sat down for a bit and took a few gulps out of our respective water bottles. When we checked our GPS, we found …

Categories: Family, Frugality

How to Land Your First Client

If you build it, they will come. Wishful thinking. And unfortunately, it’s the mentality many first-time entrepreneurs have before opening their doors. I, too, fell victim to this Hollywood logic. After putting the finishing touches on my first group of services and launching my website, I was certain the dough would come rolling in. Well, it …

60 Awesome Student Discounts

One great way to reduce your student loan debt while you’re still in school is to keep to a budget. And one of the best ways to have some fun while sticking to that budget is to take advantage of student discounts. Here are dozens of discounts available to students across the country. Retail Even if …

Does It Make Sense to Never Own a Home?

Recently, I had a long email discussion with an old friend of mine who writes a popular gaming blog (I’m not going to name him because his opinions expressed here may be a bit controversial and it has no reason to spill over into his other work). Basically, his core idea is this: you should …

Categories: Housing

10 Life Lessons of Entrepreneurship

When I started my own business several years ago, my primary goal was to surpass the five-year mark. I’d heard time and again that the majority of small businesses don’t survive past that point, and I was determined to defy the odds. Not only did I survive, but I gained some valuable insight into who I …