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 »
Our friends Cassie and Erle – founders of Savory Butcher, have asked Annette and Steve to be their celebrity bloggers of the month.
DRAWING: Everyone who opens a Savory Butcher account will be entered in a drawing for a free box of meat. They’re giving away a Fresh Savory Sampler Mixed Box – 26 pounds of fresh meat. Retail Value: $109.00.
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:
We’ve got Frugal Fashion Tips for Kids when you’re shopping for back-to-school clothes. These will help your kids to look nice, be a little trendy, and not cost a fortune.
We outfitted 5 kids with wardrobes each year. We also found lots of ways for them to look fashionable while staying within our frugal spending limits.
5 Ways to Save on Fashionable Back-To-School Clothes
Parents spend a lot of money for Back-to-school sales for clothing each year. According to a Parents.com survey of 1000 families, 60 percent said that they would spend more on back-to-school clothes for their … Read more »
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 »
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 said or done in the past six months:
Are you looking to save money and find cheap meat near your home? These strategies could save you thousands of dollars this year.
Years ago, it was the man’s “job” to hunt for the meat to provide for the family. All it cost was a few days’ trudging through the forest, and some bullets or arrows. Then there was time to clean and dress the meat, a man’s muscles to lug it all home and space to store it.
Today, in our more “sophisticated” society, both sexes are responsible for putting meat on the table. The … Read more »
Have you ever thought long and hard about the eggs we eat?
What About Questions Like:
How long can eggs last unrefrigerated and refrigerated?
Or, “How can you tell if the eggs you have are going bad?
Does the nutritional value of an egg change as it ages?
Egg Storage Around the World
One of my favorite things to do when I travel is to visit local grocery stores. I enjoy comparing the similarities and differences. In Iceland, grocery stores have a line of cookies called “Maryland.” In France, quail eggs are a common grocery store item.
One notable difference between Europe and the United … Read more »
The Declaration of Independence in the United States is one of the most revered documents in our history. It was a bold statement by oppressed men and women to gain freedom from a tyrannical English government.
10 Declaration of Independence Facts You May Not Know
But do you know these 10 Declaration of Independence facts about this most famous document?
1) The Resolve to move toward Independence
It was Richard Henry Lee of Virginia who proposed the resolution that “That these United Colonies are, and of right ought to be, free and independent states, that they are absolved from all allegiance to the British … Read more »
Do you need some retirement gift ideas? Are you looking for some of the best retirement gift ideas that are cheap, fun or decadent?
We’ve collected some of the best-rated, 5-star retirement gifts out there from Amazo, Etsy and other sources. We’ve found cheap, funny, touching and expensive highly-rated gift ideas for you to choose from.
If your colleague or friend is leaving the office for the very last time, then make sure to send them along with something to remember you by.
Whether the recipient is an acquaintance or dear friends you’ll find the perfect gift here..
Chick-fil-A has an annual Cow Appreciation Day – sometimes called “Dress LIke a Cow Day” others call it “Chick-fil-a Day.” It occurs each year at the beginning of July. And it is celebrated by more than 1.8 million people.
When Is Cow Appreciation Day in 2019
This year Dress Like a Cow Day is being celebrated on Tuesday, July 9. It starts at opening time and ends around 7 pm that day.
This live video was shot on Cow Appreciation Day 2019 with 2 of our grandkids and our daughter-in-law Sarah.