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Author: Sandy Smith

I started this blog years ago as a way of keeping myself accountable to my own debt reduction plans. Now I'm using this site to help others get out of debt, and learn about personal finance so that they can live their best lives.

dinner - Anniversary Budget

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Allocating An Anniversary Budget

Your anniversary is an occasion when you can go back to being a girlfriend and boyfriend, and enjoy each other wholeheartedly. This especially…

February 11, 2013
struggling college student- Financial Aid. College

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Americans Are Unprepared for College

I’m constantly writing about education leading some of you to wonder why, especially since this is a debt and frugality blog.  I…

January 25, 2013
musicalnotes - Making Music for Less

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Making Music for Less

Every year, a parent of a new school band member walks into a local music store and learns just how much her…

January 1, 2013
snowbirds - Cold

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I’m Too Cold For This

Owning two homes or even renting in two different areas for a portion of each year is a great way to enjoy…

December 14, 2012
spending on when in financial emergency.

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The First to Go When Money Gets Tight

An unexpected financial trouble can blindside anyone as we recently witness with my reader, “Amy”. It can be a result of unemployment,…

December 6, 2012
Billionaires Can Be Frugal Too

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Billionaires Can Be Frugal Too

The very wealthy can also be pretty frugal as well. If the photo of Mitt Romney shopping at Costco doesn’t get your…

December 5, 2012
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