Tisha Tolar is a full time freelance writer who enjoys writing articles on personal finance as well as e-books, blog posts, and website content. In addition to her writing, she also serves as a marketing consultant to local clientele.
So many families are lamenting the recent recession, struggling with job loss, and feel powerless over debt. Frugality is no longer a word that carries the stigma it used to because more people have no choice but to change their ways. However, not everyone is taking the positive route to change their way of life. [...]
If you are afraid to look outside of the box let alone step outside of it, you may not find much success in living a more frugal lifestyle. With frugality comes change and if you are not willing to make that change, it will be hard to successfully eliminate debt. Frugal used to carry a [...]
When you are trapped under the heavy weight of debt, credit counseling agencies can be a way to avoid bankruptcy and eliminate debt in a more efficient way than if you were to handle it all on your own. While any consumer has the power to negotiate balance payoffs, many would benefit from the additional [...]
The recession has brought about a new frugal attitude and more consumers are stepping up to tighten the purse strings. But not all people are still inclined to save their cash for a rainy day or major emergency. Some who believe they were born to shop still are shopping to the detriment of their own [...]
Cutting down on your expenses may be one method for saving some more money each month. For every amount of money you save, you can input more cash into savings or paying off other debts. Your fixed monthly expenses may be one area to review if you want to save some additional cash. One fixed [...]
When it comes to better money management and with a focus on debt elimination, you must regularly review what you are spending and find ways to cut back. Consumers have two types of expenses each month: fixed and variable. Variable expenses are the ones that change from month to month including groceries, gas, clothing, and [...]
Ever wonder how you end up with two pounds of junk mail every week? The mail that comes in can be very misleading to some consumers because it appears the sender already knows so much about you. Is it coincidence that you just started shopping for a mortgage only to receive a ton of mail [...]
When you own a home, you need to have the protection of insurance coverage to ensure your biggest investment is safeguarded from accidents, incidents, and catastrophes that can strike at any time. Insurance options are varied and you need to find the right policy at the right price. Homeowners typically don’t think much about the [...]
If you don’t know the answer to this question, it’s time to get serious about your finances. A debt-to-income ratio is a key factor in your budgeting methods and if you are not clear on how your money is spent or how much you actually bring home, you will never be able to resist the [...]
As many consumers across the nation have issues with credit and are hard-pressed to save thousands of dollars toward any big purchase, it has become more common for consumers with a poor credit history to still seek out the purchase of a new vehicle and get approved. Bad credit does not carry the harsh stigma [...]
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