I’ve heard a lot of excuses about why people won’t buy a used car. They range anywhere from “I need something reliable” or “I got 0% financing so it’s not costing me anything extra.” There are a lot of good reasons to get a used car over a new car though. Borrowing money at 0%…
How to Make Christmas Last All Year Long
If your holiday season is anything like ours, it usually involves putting up holiday decorations, trying to figure out what to get people, and running all over to our different Christmas obligations. It seems crazy at the time, but then the day after Christmas life kind of goes back to normal and it’s a little…
Dave Ramsey’s Financial Peace University – Week 9
The final week of Dave Ramsey’s Financial Peace University is all about baby step 7 – build wealth and give a lot of it away. If you go through Financial Peace University and miss this lesson, you may set yourself up to win financially, but you won’t feel complete until you give. We have a…
Republic Wireless – The future of mobile phones?
I had stumbled across Republic Wireless a couple years ago. I have to admit that their service was tempting. I mean, how can anyone resist $19/month for unlimited cell phone service with a smartphone. However, at the time, I just couldn’t make the jump to something that was still “beta”. Besides, things that I had…
Dave Ramsey’s Financial Peace University – Week 8
This week’s lesson covered real estate and mortgages. There is only one more lesson and then I’ll be back to “regular scheduled blogging”. I think the first topic I’ll cover might be about car buying, or deal web sites, or another mobile phone carrier. Who knows?!?!? The possibilities are endless! Anyhow, let’s dig in. Renting…
Dave Ramsey’s Financial Peace University – Week 7
Week 7, only two more weeks left in class! Everything that has been taught in the classes so far leads up to this one. Some students may not be ready for it, while others may have been waiting for it a while. This lesson is the Retirement and College Planning lesson. There can be a…
Dave Ramsey’s Financial Peace University – Week 6
Insurance. One of those things that you don’t want to think about, but when you need it, you’re glad you have it. Do you have the right kinds of insurance? Are you spending money on insurance that isn’t necessary? That’s what Dave Ramsey covers in lesson 6 of Financial Peace University, called “The Role of…
Dave Ramsey’s Financial Peace University – Week 5
Unfortunately, this week I wasn’t able to help out at FPU due to family illness. However, I’ve heard the lesson before and I grabbed some notes, so you’re in luck! This week’s lesson is called Buyer Beware and Dave talks about all of the ways we are marketed to. He’s taught the class to save…
Life without credit cards
Can it be done? Can someone really live without credit cards? I mean, you need one to build credit right? What about when you’re in an emergency? Let me start by telling you that credit cards are not your friend. Even though we ALWAYS paid them off on time and never paid interest, we decided…
Dave Ramsey’s Financial Peace University – Week 4
Dumping debt. Not only is that the name of the lesson for week 4 of Financial Peace University, but I think it’s something many Americans wish they could do (or convince Congress to do). In order to do it though, many need to be convinced that living in debt doesn’t have to be a way…