Cash for Old Cell Phones and Electronics

Have old electronics laying around gathering dust? Go get em, dust em off, and sell em to Gazelle.com for cash. That's right, Gazelle.com will buy your old electronics - and they pay pretty darn well. What can you sell? They will buy pretty much any type of Smartphone or Apple product including: iPhones Cell phones (Blackberry, HTC, LG, Motorola, Nokia, and … [Read more...]

Master Your Money in Seven Days – 7

Everything we've learned thus far is fine and dandy if you have enough money to cover your budget each month. But what if you overdraft your account every month because you're so far behind? Don't worry, I used to be there too. I didn't overdraft my account every month, but it happened often enough to cost me a lot of money in fees, and that drove me nuts! Fees, fees, fees - are a pain in … [Read more...]

Master Your Money in Seven Days – 6

YNAB does not include a "Direct Connect" feature that links to your bank and downloads your transactions automatically. This is on purpose. The YNAB team states it this way: We've found the direct connection to banks really pulls people away from their money (psychologically). We don't have any plans to add direct connect into the software - from a philosophical standpoint - as the further … [Read more...]

Master Your Money in Seven Days – 5

You deserve to have saved money. Let me say that again - You deserve to have saved money! Folks who have never saved often develop a mental block that makes it hard for them to put money aside - even when they are finally able to afford it. What's worse is that most of them don't even know it. Are you like that? I was. After we paid off all our consumer debt and finally had money to put … [Read more...]

Master Your Money in Seven Days – 4

By now you should have a working YNAB file. If you don't, go back and read day 1, 2, and 3 to get caught up. All about Credit Cards Today we'll learn how to set up credit cards, budget for debt, record purchases and payments, handle interest and fees, and even how to deal with balance transfers! Here's a complete list of what we'll cover: setting up a credit card account budgeting … [Read more...]

Master Your Money in Seven Days – 3

Are you still with me? Yesterday was a busy day, but I have faith in you. This will take work BUT it's work you can do Look, getting your finances in order is something you've been wanting to do for a long time, so it's obvious it can't be done without some effort. I know the desire to master your money is strong, and I'm confident in your ability to persevere through these initial growing … [Read more...]

Master Your Money in Seven Days – 2

Day Two Yesterday we learned that to master our money we have to budget our dollars and follow the plan. Today we'll learn the YNAB (You Need A Budget) method and follow step-by-step instructions to setup our first budget file in the YNAB software. When we're done - if you follow the plan - you'll have a working budget! Remember: If you’re not willing to invest less than $60 to master … [Read more...]

Master Your Money in Seven Days – 1

One of my missions in life is to help people master their money, because usually the opposite is true. The main thing I've learned = if you're having money management issues you HAVE to create and follow a real, working, budget. Not one that's in your head, but one that is documented in debits and credits, followed, adjusted, and followed some more. As a personal finance blogger I've been … [Read more...]

Don’t Be a Scrooge Support Stuff You Love

Some of the most useful apps are free - but - someone took the time and effort to create it for us, so shouldn't we find a way to support them? For the scripture saith, Thou shalt not muzzle the ox that treadeth out the corn. And, The labourer is worthy of his reward. ~ I Timothy 5:18 We must not forget - it is better to give than to receive! If you use free services or apps or information or … [Read more...]

Three Must Have Savings Funds

You are saving money right? I'm in the camp that believes you should save money WHILE you're paying down debt. You are paying down debt right? Outside of spending less than you earn, the best financial advice I can give is to create the following three savings funds. These savings funds changed our lives and have been a huge part of our financial success over the last few … [Read more...]