Balancing Fun and the Budget on Vacation

Going on vacation offers us the chance to relax and unwind – but some take it a little bit too far and throw all the rules out the window – including their budget rules! If you’re thinking of embarking on a vacation soon, think of this as a cautionary tale – and whatever you do, don’t skimp on insurance with an overly cheap vacation insurance policy. Get the right policy, e.g. travel insurance or extreme sports insurance. Transportation Risks If… Read more

10 Ways to Save Money at the Movies

Going to the movies is no longer an inexpensive night out, especially if you have a family. Where I live, movie ticket prices are bumping up to $11.75 each for a first run movie for an adult. “Student discounts” – always worth using – aren’t much help; the tickets are maybe a dollar or two cheaper. And concession prices certainly add to the expense. But there are ways to save money on entertainment, and if you go to the movies… Read more

Why You Should Have an Online Savings Account

Have you ever been in any of these situations? It’s Christmas time, and you’re wondering how you’re going to pay for all the gifts you want to buy – without going into credit card debt. It’s summer time, and you’d like to take a vacation to Hawaii. But again, you don’t want to go into debt just to enjoy it. You see a house you’d like to buy, but wonder if you have the down payment needed to get a… Read more

Job Hunting Expenses that are Tax Deductible

Job hunting isn’t most people’s idea of a pleasant experience, but there may be some redemption at tax time. There are certain job hunting expenses that are tax-deductible, and may give you a break on your income tax at the end of the year. Below are typical job hunting expenses that are tax-deductible. There are limitations on these deductions, that we’ll get to near the end of the post. Basic Job Hunting Expenses The IRS allows you to deduct job… Read more

5 Budgeting Software Programs You’ll Love

Looking for some great budgeting software programs? Look no further. Whether you are wanting to manage your personal finances or business finances, there’s a budget program here for you. Consider each of these carefully before you make your selection however, as each have their strengths and weaknesses. 1. Mint Mint is by far one of the most popular personal finances applications around. Because it is web-based, you can easily view your budget from any available computer. In addition, you can… Read more

Free Resources to Help You Seek the Lord

In 1 Chronicles 16:11 NASB we are called to “Seek the Lord and His strength; Seek His face continually.” Here are four resources that I’ve been using to try to do this. And the best part about each of them is that they’re free. 1. Blue Letter Bible I like BlueLetterBible.org because as I read a passage of Scripture, I’ll usually come across a word whose meaning is not so clear to me. Fortunately, the Blue Letter Bible has a… Read more

Millions of American Homeowners Could Refinance and Save with HARP

This is a Sponsored post written by me on behalf of Quicken Loans. All opinions are 100% mine. by Clayton Closson You read that title correctly. An estimated 2.7 million American households could refinance to today’s mortgage rates (which are still very low, in case you haven’t been paying attention) through the gov’s HARP program. And they can do it even if they owe more money than their home is worth. Up to 200%. But they aren’t. And we don’t know why. Why… Read more

Credit Cards: How to Get the Most Out of Them

Lots of people are against the use of credit cards. They say it leads to overspending, late fees, and overwhelming interest payments. I understand their point of view. They make valid points. On the other hand, there are proven advantages to using credit cards – advantages you wouldn’t get by paying with cash. The biggest one is the rewards you earn, such as cash back, points, and airline miles. That’s why I’m a firm believer that credit cards are a… Read more

When is it Okay to File for Bankruptcy?

For Christians, this can be a delicate issue. When is it okay to file for bankruptcy? It’s not a legal situation we should ever enter into lightly, but are there times when there’s simply no other choice? The Bible makes it clear that we are to pay our obligations; the passage below implies that there will even be consequences if we don‘t: Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means… Read more

Obedience to the Lord is a Good Thing!

When you see or hear the word “obedience,” what picture comes to your mind? Do you think about the relationship between a child and a parent? An employee and a boss? Student and teacher? Do you see this obedience done with a spirit of willingness? Or is it done grudgingly? I’m sure there are many instances when obedience is done happily. But in my experience, obedience is more often done with a spirit of hesitancy. More specifically, I’m referring to us ourselves… Read more

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