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 …

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 …