By Ann Hartter
“Silver Bells” and “Silver and Gold”, some budgets just don’t allow a gift to all who deserve something for the holidays. You know how hungry animals in cartoons see our hero as a roast bird or some other tasty morsel? Throw open your pantry and see a stack full of sparkling gifts in […]

By Shannon Christman
A number of people have pointed out that advertisements that insult consumers use these ads because they work and that I must be affected by ads, too. I agree with these comments. I never said that those particular ad strategies are ineffective, only that they are insulting. I also have nothing […]

By Ann Hartter
While not everyone was happy with my list of things about people and their money that make me angry, I find that my list of these things continues to grow. This is a new list gathered from interviews and personal experiences of the not so intelligent, moral, or legal things people do with […]

By Ann Hartter
It falls, taunting you, flake after flake, coating everything you see with white wet and cold crystals. It piles up in the corners, and in its complete blinding whiteness, all you can do is fork over your wallet. It’s a beautiful thief.
You must turn on your heat. The blanket of whiteness […]

By Jennifer Derrick
It’s very frustrating when people who don’t know us well attribute our decent financial situation to “luck.” As in, “You’re so lucky that you don’t have debt,” or, “You’re so lucky not to have to worry about your bills.” The conversation usually ends with the other person saying something along the lines of, […]

By Marilyn Brodeur
I have never been able to make money online. I’m terrible at it. I’ve done survey sites, sign-up for stuff sites, read these email sites and rate our product sites. I’m resigned to the fact that I’m just not creative or persevering enough to read 500 2-cent emails to make the […]

By Cortni Marrazzo
Why is it that we can hear that promise again and again for different products, yet we still perk our ears up to find out what it is that is being advertised and if it really will change our life? We all want the magic cure to the inconveniences we face in life, […]

By Shannon Christman
Bargain hunters looking for deeply discounted Christmas items and gift recipients eager to exchange their loot for something that better fits their bodies or personalities make the day after Christmas a busy one for retailers. With 364 shopping days until Christmas, those who work best under pressure might not have enough motivation to […]

By Cortni Marrazzo
Everyone knows you have to sacrifice in order to spend less and save more. Just how much you are willing to sacrifice depends on how much you want to save or how quickly you want to pay off debt. It really depends on your situation and preferences in regards to how […]

By Shannon Christman
Successful businesses spend a lot of time planning - creating a business model, a business plan, a strategy, and a mission statement. They want to define their main purpose and goals partly so that everyone in the company can stay focused on the reason for their work and not get distracted by […]