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.
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 »
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 »
What does living below your means . . . mean? Does it mean a life of deprivation? Does it mean a life of constant coupon clipping, or a life of regularly saying, “We can’t afford it?”
Living below your means – something different.
Maybe it’s saying yes to your top priorities like paying off debt and building savings/retirement. OR, it’s saying, “I’d love to take a cruise, but this year we only have enough money for a driving vacation.” And then making it a fantastic, fun family memory. Maybe it’s saying, “I’m making great money right now, but this may not last, so we’re going to … Read more »
Vacation meals can be expensive! But with vacation meals on a budget and a little planning and creativity, you can enjoy awesome food. Even while you travel, you can spend much less than the average person doing it. We’ve got lots of ideas for having a great vacation on a budget and it all starts with saving on vacation meals.
10 Ways to Eat Yummy Vacation Meals on a Budget
1) Eat out Selectively on Vacation
When we fly to a destination and stay in a hotel we save money on food by minimizing the number of meals we eat at a restaurant. … Read more »
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
Frugal Family Vacations don’t have to be boring. And fun vacations don’t have to be expensive to be memorable.
We’ve compiled a list of ways for you to have fun and frugal family vacations. This list comes from friends and our own experience. We’ll share more than two dozen money-saving vacation tips for meals, lodging, and activities. You’ll make great memories on a budget.
We taught our kids to save money on electricity … and everything else. When we received this question from a website visitor from Australia, we thought we’d put our ideas in writing.
Question about how to get my kids on-board with saving money
Do your kids save electricity? How do you get your kids to appreciate ever-increasing electricity costs and to turn off lights and appliances? Mine just seem to walk away and have no care that Australian electricity costs are rising and rising and we now pay a carbon tax on top of this. I nag them to turn off lights … Read more »
If you want to know how much an Arby’s Roast Beef sandwich is supposed to weigh, just read our story.
What would you do if you got 30% less than you paid for?
We got “ripped off,” but got it resolved quickly.
We had just completed a Once-A-Month cooking day (website subscribers can read more here) where Annette (with help from the rest of us) prepares between 10 and 17 dinner meals which we store in the freezer for use later in the month.
On our “Once-A-Month” cooking day, Annette gets the night off from preparing dinner (after preparing so many meals, she … Read more »
If you’re looking for places with free wifi near you, we have lots of options. Or are you wondering where you can get the fastest wifi connections? There are more than 92,000 locations in the U.S. that provide free internet access.
We’ve created a list of coffee shops, retailers and other places that give you free wifi AND we’ve provided the speeds you can expect too.