I am refinancing

Several articles on this site discuss refinancing from a theoretical point of view. I thought I would share my experience with an actual refinance. I am refinancing for a reason I haven't seen discussed anywhere- to substantially lower my payment. I am moving from a 15 year mortgage to a 3o year mortgage. With my […]
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Setting Up a Budget

Do you have a budget? Many people think of a budget as almost a form of punishment that keeps them from spending money on things they want. If used correctly, a budget is a powerful tool that can help you get the things you want in life.  So why not start one today? I like […]
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Saving on Groceries

Today’s paper brought more reports that the food manufacturers are refusing to stop the price increases. So in addition, to using coupons how can you save money on your grocery bill? If you have more than one store near your home, look through the store fliers and choose the store with the best sale for […]
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Saving Money On Groceries With Coupons

Prices at the grocery store, at least where I live, still have not come back down. They spiked last Fall due to the high gas prices but several food companies have announced they are not going to decrease the prices now that gas is cheap again. Three young men live with me,  and keeping them […]
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Saving money on utility bills: Part 2

Heating bills The furnace is still running full-blast in my home which is one of the joys of winter in the Northeast. Although I enjoy being warm, I don't enjoy paying the gas bill. I have found that the easiest way to save on your heating costs is with a programmable thermostat. If you do […]
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Saving Money on Utility Bills: Part 1

Saving money is hard, but there are some relatively easy ways to save without having to count every penny or give up your morning coffee. Probably the easiest way to save is to do an audit of your utility bills. Phone bills Many of us have both a cell phone and a home phone. Do […]
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One Month Challenge Day 31

Previously at We’re In Debt, we said that we were going to take the One Month Challenge offered up at the Simple Dollar, to track our spending for the month of January to find out if we had any spending leaks in our bucket, to prepare ourselves to better meet our goals for 2007. Make the jump to see […]
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One Month Challenge Day 30

Previously at We’re In Debt, we said that we were going to take the One Month Challenge offered up at the Simple Dollar, to track our spending for the month of January to find out if we had any spending leaks in our bucket, to prepare ourselves to better meet our goals for 2007. Make the jump to see […]
Continue reading…

 

One Month Challenge Day 29

Previously at We’re In Debt, we said that we were going to take the One Month Challenge offered up at the Simple Dollar, to track our spending for the month of January to find out if we had any spending leaks in our bucket, to prepare ourselves to better meet our goals for 2007. Make the jump to see […]
Continue reading…