Sandy Smith

Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life...

The Debt Snowball and Snowflake Methods

While I was working my way out of debt, I tried just about every method that I heard of to...

How Small 401(k) Contributions Add Up

I had a conversation with my brother the other day that inspired this post. We were talking about my mother’s...

Zero Percent Balance Transfer Cards Save You Money

Whether we like to admit it or not, credit cards have become a necessity. But all credit cards are not...

Money Traps You Should Never Give In To

When trying to work your way out of debt, seeing the light at the end of the tunnel can seem...

Tips For Buying A New Car

This is a stock photo of my car, the 2013 Ford Edge. It wasn't my first choice, but we'll get...

Food Labels And Terms That Fool You

The American public is interested in eating better quality foods. The proliferation of "organic" foods and the success of specialty...

Closing Credit Cards Can Be Good For Your Credit Score

You’ve already heard everything that there is to know about improving your credit scores. Conventional wisdom says to pay all...

Hath were you beast

The new common language will be more simple and regular than the existing European languages. It will be as simple...

5 Ways to Maximize Your Retirement Funds

No matter what occupation you choose, the ultimate goal is to find a job that you love that also provides...

Can’t Finance A Low Cost Real Estate Purchase? Now You Can!