How to Have a Car Without a Car Payment

            Wouldn’t it be nice to NOT have a car payment ever again?  Impossible?  Not really.  I haven’t had a car payment in over ten years; I promise, I’m not driving a nasty old beater car either!  When I became serious about being debt free, that meant I didn’t want a car payment.  My husband, Nick, has always paid …

The Art of Negotiation ~ Part Two

    When you are purchasing a large item, like a car, furniture, etc. you usually have more room to haggle.  Keep in mind that the person with the most information and patience is going to get the best deal.  If you’re shopping for a large ticket item, be sure to do your homework and know what the going rate …

The Art of Negotiation ~ Part One

Most Americans think that negotiating is something reserved for car purchases, job offers, and garage sales.  You won’t hear a lot of people say, “I love to negotiate and haggle over prices!”  This makes me sad, because we’re leaving a good amount of money on the table when we don’t negotiate. If you’ve traveled to other countries, you’ll know that …

What To Do When There’s Not Enough Money to Pay All the Bills ~ Part Two

Last week, in Part One of this article, I talked about how to prioritize your spending when you don’t have enough money to pay all of the bills.  If you got nothing else out that, I hope you remembered to be sure to take care of your necessities first: Food, Shelter, Transportation, and Clothing.  Of course, you’ll take a hard look at …

Debt = Financial Cancer, Part Two

       The Cure – Start moving in the right direction.        The first step to getting out of debt is to STOP BORROWING MORE MONEY!  As Dave Ramsey says, “You can’t get out of a hole by digging out the bottom!” It’s time for plastic surgery – cut up those credit cards!      The second step to getting out …