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Why I Never Pay Full Price Online

by Toni Herrbach

This post is in partnership with Splender. All opinions are my own. As you know I love shopping online. My online shopping obsession began when we lived in Cuba and we didn't have anywhere to shop on the base. It was right about that time that most retailers really started investing in their online stores and it was great to have options when we were living overseas. We moved from Cuba to West ...

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How to Help Your Teen Financially Prepare for College

by Toni Herrbach

How to help your teen financially prepare for college so they don't graduate with staggering student loan debt.

A recent survey found that 48% of parents expect their children to pay for some or all of their college. Many young adults are now graduating with some amount of student loan debt. It is possible to get a college degree without having to spend the next twenty years paying it off? Forecast college costs   You can’t be prepared for the expense of college if you don’t know how much it costs. Look ...

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How to Improve Your Credit Score

by Toni Herrbach

How to monitor your credit report for free.

If you’ve been reading this blog for a while, you know I like to pay cash for most of my purchases (even big ones like cars). However, two years ago when we moved to Florida I had to qualify for a mortgage, on my own. (Long story – but we were buying a house before we sold our current house and my husband was between jobs, so I was on my own to qualify for our new home). I’ve always paid our ...

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Five Smart Ways to Use Your Tax Refund

by Toni Herrbach

By now most people have filed and received their tax refund. In fact, I can remember trying to file as early as possible when we knew we were getting a refund. While it can be tempting to blow your tax refund on fun and entertainment here are five smarter ways to spend your money.

By now most people have filed and received their tax refund. In fact, I can remember trying to file as early as possible when we knew we were getting a refund. While it can be tempting to blow your tax refund on fun and entertainment here are five smarter ways to spend your money. Pay off lingering bills If you are still paying for that furniture set or washer and dryer from nine months ...

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Grocery Budget Makeover: Registration is Open!

by Toni Herrbach

Grocery Budget Makeover is a 10-week course where Erin Chase from $5 Dinners teaches you her system for making budget-friendly meals and keeping her grocery budget in check. The next course begins next Tuesday, May 17, 2016. Registration is open through Monday. Does 10 weeks sound too long to you? Erin has a new 4-week version of the course. The "Express" version of the makeover is all the ...

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Teaching Teens About Money

by Toni Herrbach

This year I’m excited to be partnering with Discover to share many of the great programs they offer consumers. All opinions are my own. Did you know that April is Financial Literacy Month? This is a great opportunity to educate your teenage and young adult children on how to better manage their money. Many teens will be starting their first job this summer and now is a great time to help them get ...

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Books that Changed the Way I Think About Money

The Complete Tightwad Gazette

The Total Money Makeover: A Proven Plan for Financial Fitness
The Millionaire Next Door: Surprising Secrets of America's Wealthy
Free and Clear: God's Roadmap to Debt-Free Living

Tightwad Tips

  • Date Nights at Home
  • Frugal Christmas Wrap
  • Keep Your Kitchen Cool in the Summertime
  • Save Money by Paying Bills Online
  • The Art of Borrowing

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