This might not be much of a revelation to many of you, but I offer you this explanation. The reason people with no money have bad credit is, broke people have no expendable income making it difficult to pay unforeseen cost. So what happens is, the company in retaliation for not being paid marks the [...]

Last week my wife bought our dog Haley a new pet bed. She went to Petco and picked one up for $20. It was too small, so we took it back and found a bigger one for the same price at Farm & Home. We were at Ross, dress for less, look like a mess [...]

Things you’ll need: Clippers 1 Imagine saving an hour of your time and a cool twenty dollars per month by cutting your own hair. It’s easier than you think and luckily “bald” is the new black. Go to your local drugstore and pick up a heavy duty pair of clippers. The average haircut costs $15 [...]

I have a friend that is second to none when it come to advise on almost any subject. He once offered me a tip that rocked my bottom line to its very core. Going out to eat might be the single most expensive thing we do, the wife and I decided one day to not eat-out once in a calender [...]

Debt is caused by spending more money than one has, taking out a loan and building interest, or exceeding one’s credit line. Debt is also caused by job loss: getting fired, quitting or being laid off. Sometimes debt is much more than a problem with saving money or keeping track of finances. Debt can result [...]

Have you ever thought why in the hell am I so broke? Your car payment!  Cars are totally overrated in our society.  You need to get from A to B but do you really need a $32,000 Sienna to get you there? If you have a normal car with an average loan payment, I would [...]

There are some obvious reasons people stay broke; unemployment, underemployment, sick, disabled, lazy or unemployable.  If you’re working, living paycheck to paycheck, and feel broke all the time, check out this list of the top ten reasons people find themselves poor. 1.  Borrowing money to get out of debt. There’s an old saying, “robbing Peter [...]