Smart College Idea: Save 80 Percent – Dual Credit at Home

A College Degree for $3100, yes it's possible!

If you have kids who want a fast track to a college degree or, if you’re an adult looking for an inexpensive and fast way to finally finish that degree, you’ve GOT TO READ what Becky and her kids have done. It’s absolute GENIUS.

We met Becky Muldrow in San Antonio, Texas at a conference where we were speaking. Becky is a mom, and a smart one at that. With 10 kids she has to be. But what stood out most to us was her absolutely ingenious way of helping her kids get through college in less than 2 years, at … Read more »

Intolerant of Overprice Lactose Intolerance

Kirkland Lactase - lactaid package

If you’re lactose intolerant, finding a solution to enjoying dairy is not an easy or inexpensive project. In this article, we’ll share the different lactose intolerance solutions we’ve tried and the ones that worked.

Trying to eliminate bad gas:

Over the years Steve has tried dozens of enzymes, home remedies, and Lactaid knock-offs in a search to allow him to eat yogurt, ice cream, and other dairy products without intestinal “repercussions.”

He tried apple cider vinegar – 1 tablespoon 20 minutes before eating dairy – it worked fairly well, was inexpensive, but very inconvenient—and it burned.

We … Read more »

College Answers: Paying for College Without Debt or Trust Fund

College Answers: No debt and No Trust Fund

Question: My daughter is a senior in high school and is preparing to head off to college. We have no money saved for her college expenses and feel like loans are the only option we have. What should we do?

College Answers: You have more options than you realize.

1) Appy Yourself for College Answers

Fill out a FAFSA application – it’s the Free Application for Federal Student Aid – Do this even if you don’t think you’ll qualify for any student aid. FAFSA weighs many different aspects of your finances including your income, your child’s income, the number … Read more »

How to File your Taxes for Free

Free Tax Help - How to File Your Taxes for Free.

Free Tax Help and Getting your taxes filed doesn’t have to be expensive. If you’re a lower income family, just starting out after college, a senior, military or former military family, there are lots of options for getting your taxes filed for free or for almost nothing. We’re hoping that you’ll check out these three options and be able to save a boodle! We’ve personally used two of the three services, and Steve’s dad was a volunteer with the last one.

Filing your income tax return doesn’t have to be a taxing (or expensive) proposition.

Filing taxes is an annual ritual that … Read more »

10 Out of the Box Ways for BigTime College Savings

10 Out of the Box Ways for BigTime College Savings!

If you’re looking for ways to save money on a college education, this blog will give you plenty of out of the box and unconventional options. The college landscape is changing so rapidly that savings can be found in the most unusual places, especially if you’re willing to research, question conventional think and dig a little deeper.

This is blog #5 in our College Savings Series. Scroll to the bottom of this page for links to the entire series.

College Prices Are Rising Faster

In the past 30 years, college costs have risen faster than gasoline, eggs, homes and gold. As in any … Read more »

15 Ways to Wreck Your Food Budget

15 Ways to Wreck your Food Budget - Tips for Saving Money!

Learning to manage your food budget is one of the fastest ways to start turning around your family household budget. We see so many families practice grocery shopping habits that drive their food costs through the roof. If you’ve never been shown how to master the art of food shopping and meal prep, don’t feel bad. It’s a much easier game to learn than you realize.

Take the Quiz and See How you Do

Put a check mark next to any statement that describes something you’ve done in the past six … Read more »

Here’s What You Should Know About Speculative Trades and Investments

Orange tree seedlings in potting soil.

Investing is simply the art of making your money work for you instead of you working for money. People have different kinds of investment comprising different kinds of assets but the general theme is that investments are a way to initiate a multiplier effect in wealth building. Savvy investors tend to mix up their portfolios with a blend of conservative assets and speculative assets. Conservative assets provide stability and income over the long term while speculative assets deliver short-term bursts in capital gains.

Interestingly, the layman idea is that investing sounds like a good and noble cause while … Read more »

5 Reasons it Might Be Time to Sell Your Home

For Sale By Owner Sign in front of a house.

Selling a home is all about timing. The two facts that are usually at play are personal finances and the market conditions. A rule of thumb is that when the market is up, sell. Right now it’s terrific news for homeowners looking to sell, as the market is undoubtedly in their favor. Whether it’s planning for retirement, the future, looking for more capital to reinvest in new property, or simply because you want to move, 2017 appears to be the year to do it. Why? Well, a lot of reasons.

Mortgage rates are still low.

Sure, if you do some research you’ll see … Read more »

How to Maximize your FAFSA and Pell Grant Money

How to Maximize FAFSA and Increase Your Pell Grant Money

Debt Free College Series # 4 – FAFSA and Financial Aid

We have  5 kids who have attended college, and we have filled out FAFSA applications for every single one of them. As a matter of fact, several times for each of them. We’ve learned a few tips from our own experience and from financial aid experts, that we would like to share with you, for how to maximize the FAFSA process and receive more Pell Grant awards.

FAFSA or the Free Application for Federal Student Aid can earn your student as much as $5920 in Pell Grant money from the Federal government. … Read more »

Use Your Head When it Comes to Lettuce – Iceberg vs Leaf

Which Lettuce is best to buy, Iceberg or Leaf Lettuce?

Have you ever tried to calculate the best price for lettuce? What about Iceberg or Leaf Lettuce . . . do you know which type of lettuce costs more?

There are several ways to save money when buying lettuce. We outline a couple of our tricks on this page.

Finding the Best Deal on Lettuce is More Complicated than you Might Think!

Calculating the best price on lettuce is more than simply looking at the sale flyer. To determine the best deal we consider price per head, weight per head and we also throw in the nutritional value. So you see, it’s not just … Read more »

Is there Gold at the end of the Scholarship Rainbow? Hack!

A pot of Gold at the end of a rainbow - How to find college scholarships

Are you looking for tips and tricks to land more scholarship money for college? This blog presents lots of proven ways to find more scholarships, prepare for them and win more awards.

What if there really was a pot of gold waiting for you at the end of the college scholarship rainbow. And what if you KNEW that with some effort, discipline and organizational skills you could find the path that leads to that pot of gold and take some of it to the bank? What if instead of each semester of college costing you between $5000 and $50,000, because you … Read more »

How to get Inexpensive Lunchmeat from a Shank Ham!

Can you get Inexpensive Lunchmeat from a Shank Ham?

Steve wanted to see what kind of “deal” we could get on lunchmeat if we sliced up a smoked, shank ham for our sandwiches. We bought our shank ham on sale for 97 cents a pound. Because the Smithfield ham we bought was smoked, it was ready to eat (no need to cook it.)

The Lunchmeat Estimate

We wanted to determine how much lean, sliced lunchmeat could we get out of an 11.19-pound shank ham. The ham cost $10.85. We thought that there would be about 20 to 30 percent waste when we subtracted fat and the bone. So our expectation was that … Read more »

Ways to Save on At-Home Entertainment

A TV hooked up to a wii gaming console.

Going out isn’t cheap for a family, even for frugal family. You can plan it right, find deals and choose the least expensive option, but going out is almost always going to be more expensive than staying in for the night.

Luckily, technology has given families a lot of ways to entertain themselves without leaving home. With the tips below you can make an entertaining night at home even more affordable.

Don’t Overlook Smaller Telecommunication Providers

Today, most at-home fun happens around the entertainment center. The cheaper you can get TV and Internet services the more affordable the at-home fun is going to … Read more »

How to get your student loans forgiven!

Black mortar board with a brown tassel and the word forgiveness on the top.

College is expensive! Over the past 40 years, gas prices have increased about 300%; Gold has risen more than 1200%, but the cost of college has outpaced them both, skyrocketing more than 1600% higher than it was in 1975.

The rising cost of college has resulted in more than 40 million American’s borrowing tons of money. And the repayment of that debt is one of the factors that is stalling our economy. But don’t despair, there is hope and there is help.

9 Career fields that are eligible for Student Loan Forgiveness

There are a number of programs that offer loan forgiveness to … Read more »

Tax Season is Coming: 5 Small Business-Friendly Tax Apps

A red brick wall with a Tax sign on it.

 If you prefer a hands-on approach to managing your business, you might also prefer to handle your taxes internally rather than outsourcing them to a tax preparation service. Luckily, technology has evolved to the point where all the resources you need to streamline tax season are just an Internet or mobile search away.

What Are You Looking For?

The biggest challenge is finding the right tax app with the right specifications to help you facilitate a smooth and accurate tax season for your company. Miscalculations and inaccurate financial reporting may lead to an audit from the IRS, which can be a stressful … Read more »

How to Attract Generation Y to Your Rental Property

A stainless steel oven with push buttons and a clock display.

Attracting Generation Y should be priority number one for the modern landlord. Exactly who makes up Generation Y? You probably know them by the term “Millennials”. Millennials now saturate the rental market, and if you’re not doing everything in your power to transform your rental property into a siren’s call for this part of the population, you’re missing out on lucrative profits. If your rental property is found within a bustling professional area or in a highly desired city, you’re already a tempting option. However, there are ways you can make your apartment or home stand out from.

Know What … Read more »

Freezing Bread—The Secret is in the Freezer

What is the best way to freeze store bought bread?

There are several things you can do to freeze store bought bread and avoid freezer burn. By the way, using a freezer to stock up on discounted food and preserve the sale price for months to come is one of our top money-saving strategies.

But if you aren’t careful, your savings can leave a bad taste in your mouth!

Diane from Ukiah, CA asked about Freezing Bread.

Question about Freezing Store Bought Bread

Some of my store bought loaves of bread get freezer burned even though I wrap them individually in plastic bags before freezing. I heard on one of your videos that … Read more »

6 Ways a High Schooler Can Slash College Costs

6 Things High School students can do that will crush the cost of college., and hopefully minimize the need for student loans.

There are six things a teen can do in high school that will help to slash the cost of a college education. We’ve done many of these with our 5 kids and they graduated college without any student loans!

How to be a high schooler and crush college costs.

College is a monumental expense for parents and students alike. Who among us is prepared for paying out tens of thousands of dollars over a 4 or 5 year period? But as with any large expense, the more you and your child prepare, the more manageable the expense can be.

After helping five of … Read more »

The Easy Way to Inventory Your Food!

What is the Easiest Way to Inventory your Food?

Doing an inventory of the food in your pantry, freezer, and refrigerator is a sure way to reduce what you spend on groceries. If you really want to save money, waste less food, and spend less time shopping it’s something you might want to consider. Just know that it is a chore that will take a little time, but it also will produce huge savings! Here’s how we do it.


This is an excerpt from the planning chapter of our book, Cut Your Grocery Bill In HalfRead more »

How to Save Money When Building Your Own Home

New homes being built.

It’s a fact that the costs of building your own home are higher than they have ever been before.

Of course, part of the reason is simply due to inflation. But there are other factors that play into new home costs as well, and despite that, there are still ways you can save money when building your own home.

If you want more tips, read more from our carpentry and construction savings page.

1 House Plan

When it comes to building a new home, you don’t have to shell out extra money for the house plan. Instead, ask a builder to see their … Read more »

A Dam and A Budget?

How is a Budget like a Dam? Read for more money management ideas!

We’ve heard people refer to budgets in many negative terms, that all imply pain or restriction or deprivation. We have a different view. We look at a household budget as a positive thing. It’s a tool that preserves our money and lets us enjoy life and the things we have.  We think a budget is very similar to a dam. Keep reading and find out why.


We’ve heard some people refer to trying a money management system as having used a “Dam Budget!” Obviously, their experience was anything but positive. We don’t think of budgeting as a chore or a restriction. … Read more »

Companies with Excellent Customer Service

Top Rated Companies for Best Customer Service.

Getting excellent customer service from a large corporation is one of the seven wonders of the world . . . well, at least it seems that way. We love dealing with companies who have well-trained employees who really seem to care about their customers’ problems.

Companies with Bad Customer Service

We have had a number of frustrating interactions with companies lately – mostly internet / cell phone and utilities. Poor or non-existent customer service has become the norm. Long hold times and getting disconnected on phone calls is so frequent that we’ve come to expect it.

Celebrating Companies who Provide Excellent Customer Service

So … Read more »

How to Build Financial Confidence with a Written Budget

Having a Written Budget Helps You Build Financial Confidence!

Do you want to build financial confidence?

Check out the 5 ways a written budget builds confidence and financial strength.

We’ve spent the last few weeks describing different budget systems; several options for budgeting success and the secret to our budgeting system.

Today we’re sharing five benefits to having a budget like we use.

1) Budgets Bring Unity

You can’t underestimate the power of teamwork. Because we’ve  managed our budget together since we were first married, we rarely have disagreements about money. We’re on the same page; committed to living within our means; avoiding debt with a smile and spending only when we have … Read more »

Linen Closet Tips, Tricks and Hacks

How to Organize Your Linen Closest in 4 Hours.

Reorganizing your linen closet probably isn’t at the top of your to-do list! But this task can really free up time and mental energy – here’s why and how.

The Last Time We Reorganized our Linen Closet

For us, it had been about 10 years — raising five kids and being involved in helping them launch as young adults, writing books and speaking around the country took a lot of time and mental energy, leaving little time to even think about this important type of organizing task. We truly had lost track of what was in the linen closet.

 Read more »

The Amazing Key to the Most Powerful Household Budget Ever!

This is the Amazing Key to the Most Powerful Household Budget Ever!

The Amazing Key to the most Powerful Household Budget Ever!

Family budget tips and secrets to help you become successful financially. 

Lots of people talk about household budgets this time of year. With the holidays quickly fading in the rearview mirror, we’re motoring at full speed into a new year, full of optimism and powered by new resolutions. While some cruise down that road with apparent effortlessness, other will hit speed bumps or have collisions with unseen obstacles. The road to resolution heaven is often littered with derailed dreams.

What if there was a way to virtually guarantee that you could … Read more »