There are six things a teen can do in high school that will help to reduce 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 can a high schooler start to reduce 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? However, with any large expense, the more you and your child prepare, the more manageable the expense can be.
How can you save money on milk purchases? For years we’ve frozen milk that we bought on sale in our deep freezer, and then defrosted it when we were ready to use it. Freezing milk is not that hard to do if you follow our tips. Learn how we freeze and thaw milk safely and quickly.
1. The Smart Way to Freeze A Gallon of Milk
To freeze milk, pour a little off the top to allow room for expansion. Stand the carton upright in your freezer and then wait about 12 hours. To thaw milk, set it in a microwave for … Read more »
“How long should I keep my car?” is a question we are often asked. When things start breaking on a car many people think the only solution is to replace it with a new car.
But is there a point in time when keeping your current vehicle becomes more expensive than selling it.
Making the decision to keep a car and repair it or sell it and buy another one is always tough. But if you follow our 3 step evaluation system, you’ll know the answer to whether it’s time to sell or keep your wheels.
I want to start rehabilitating my finances that will include a budget makeover with groceries. So following your advice, I’m revamping my grocery shopping. I homeschool our 4 young children and they tend to drink a … Read more »
One of the pinnacles of financial stability and security is to Pay off your mortgage early. Owning your home free and clear may seem like a fantasy. But if you follow the 5 steps we took, it can be your reality too.
Some people pay their home off in 30 years, others 15. But there are a group of people who simply hate having a mortgage pay it off quicker.
We paid our home off in 9 years.
Our efforts to pay down our mortgage debt started with just one dollar extra each month . . . but quickly grew to much more. … Read more »
Is it possible that our good intentions and generosity could end up entitling our kids? No parent intentionally sets out to create dependent children who expect to be given everything they desire.
If you want to raise kids who aren’t entitled but are empowered – keep reading. We have 7 ways we helped our kids to become Financially strong, fit and independent.
Kids are kind of funny. If we offer to pay for something, they’ll gladly let us do it . . . forever and ever. If we don’t pay, they’ll carry on about how “mean” and out of touch with reality … Read more »
Buying a home with bad credit can really be a challenge. And if you have a poor credit score it can be even tougher. If you’ve always dreamed of owning a home, but you’re struggling with saving a down payment or raising your credit score, we’ve got hope.
There are several steps you can take to repair credit, find a lender, and realize that goal of homeownership. This guide will help you find all the resources you need.
Step One: Work on Your Credit
Bad credit and a low credit score are major obstacles when purchasing a home. Lenders use your credit score to … Read more »
A Reader asks How to Pay for College With No Money and without a 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?
MoneySmartFamily: You have more options than you realize.
1. Get Government Grants
Fill out a FAFSA application – it’s the Free Application for Federal Student Aid – StudentAid.ed.gov
Do this even if you don’t think you’ll qualify for any student aid. FAFSA … Read more »
Do you have college loans? Are you looking for a list of loan forgiveness programs? Are you wondering if you can get student loan forgiveness?
Student loan forgiveness isn’t available to everyone, but it is a great way to pay off student loans that have already been accrued!
We’ve scoured the loan forgiveness landscape and found 9 different programs that might benefit you.
College Prices Have Skyrocketed:
Over the past 40 years, gas prices have increased by about 300% and Gold has risen more than 1200%. However, the cost of college has outpaced them both, skyrocketing more than 1600% higher than it was in … Read more »
If you’re looking for Garage Sale Tips and Tricks, you’ve come to the right place. We’ve hosted and participated in dozens of very successful garage sales.
We’ve written this Garage Sale Guide to help you turn your unwanted treasures into cash. There are 37 ideas presented on this page to help you run an efficient and profitable yard sale at your home. Or to host a rummage sale for a charitable organization where you volunteer.
Hosting A Garage Sale – Where to Start
Have you ever wondered how to host a great and profitable garage sale? We’ve hosted dozens of yard or garage … Read more »
We’re in the dog days of summer (in the U.S.) and depending on where you live, you’re either enjoying the nice weather, sweltering in the humidity or broiling in the dry heat. For many people, summer is a time for relief from the high utility costs of the winter. But for us in Arizona, this is our most expensive season.
1) Planning Ahead for Utility Savings
The time to prepare for your most expensive utility usage season is NOT usually in the middle of that season.
If your winter utility costs eat you alive, prepare in the summer with:
This College Home Study Program is amazing, clever, very different from other programs and inexpensive too.
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 … Read more »
Many people have asked what the difference is between Health Share Plans and traditional Health Insurance. We’ll answer many questions about the medical cost sharing industry in this article.
What’s the Difference Between Medical Cost Sharing and Traditional Insurance? How Long Has Medical Cost Sharing been around? What types of things do cost-sharing programs cover and not cover? How much can you save with Medical Cost Sharing programs? Who are the biggest players in Medical Cost Sharing? See an example of what a large medical expense would cost you with a cost sharing account.
It happens over and over again. People crying at appointments as they … Read more »
This list of 22 free movie websites like Crackle, YouTube & Hulu can help you save money by dumping cable. Check out these sites and other Blu-Ray/smart tv apps.
One of the biggest budget busters is overspending on recreation. We recently did a “dinner and a movie” date night. If we hadn’t had movie gift cards and a restaurant coupon we would have spent $60. There has to be a better way to spend time together without spending a fortune.
We love cocooning at home after a long day of work. After selecting a good movie, we sit on the couch … Read more »
Have you ever thought about great vacations with limited funds? And what about this summer? If you’re thinking you can’t take a vacation, think again. We’ve got lots of frugal and cheap tips to make your vacation memorable on a shoestring budget.
If your only option is a Vacation with Limited Funds, can you still create a fun and enjoyable memory? Here’s how we and several other frugal friends have enjoyed great vacations on the cheap.
Great Vacations on a Shoestring Budget
Yes, money is tight, unemployment is still high and the economic climate is uncertain. But if you’re thinking there is no … Read more »
Have you ever gotten a Sonic Drink Special during their daily Happy Hour? Sonic is America’s Drive-In fast food restaurant.
They serve up Happy Hour deals every day (Monday – Sunday) between 2 and 4 pm. We confirmed this information and updated in December of 2017.
We drive by a Sonic location several times each week. But it wasn’t until a few months ago that we discovered these half priced Happy Hour Deals (an online friend gave us a tip). You’ll want to see these amazing deals!
If you’re looking for some awesome drink deals and some tasty snacks check … Read more »