Save Up & Pay Cash

  You’re heard the saying, “Patience is a virtue.”  But did you know that patience can also make you rich?  Yes, it can!  By saving up and paying cash for the things your family wants, rather than financing your purchases with a loan or credit card, you add a lot of dollars to your personal bottom line.   Unfortunately, in …

My Month Long “Shopping Diet” – Part One

  Last week, I talked about how much fun “Retail Therapy” can be – so long as you make a budget and stick to it.  About once a year, I undertake a “shopping fast” – a month-long period of no shopping for anything that’s not a true necessity.  In past years, I’ve approached this shopping fast as spending NOTHING on …

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 …