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How a Teacher Taught Herself to Dump $102,000 in Debt

Posted by on 3:30 am in Debt | 9 comments

Tell us a bit about yourself. My name is Ruth, and I live with my husband (DH) and two of our three daughters. Our eldest has grown up and flown the nest. I work as a high school teacher, and my husband runs a home business. What was your debt at its highest? What did that debt consist of? We acquired our unsecured debt of $102,200 debt very unconsciously at first. Debt has become so normalized in our culture that we didn’t blink as we took on debts for cars, furniture, some travel, meals out, a variety of consumer purchases, and a mortgage....

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How to Become a Millionaire in 10 Simple Steps

Posted by on 3:30 am in Goal Setting, Money | 4 comments

Becoming a millionaire is something that most of us dream about at one time or another. We look at those with large amounts of wealth and wonder how they got there, and more importantly, we wonder how we can get there as well. The road to wealth requires patience, but the steps needed to get there are relatively simply. If you want to know how to become a millionaire, simply study and follow the instructions below, and financial freedom will (semi) soon be yours. How to Become a Millionaire 1. Change Your Mindset. A negative mindset –...

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Best of Personal Finance Roundup Week 4

Posted by on 6:35 am in Personal Finance | 4 comments

It’s time once again for the Best of Personal Finance Roundup, where we share the week’s very best in personal finance articles. I think you’ll enjoy today’s picks. One of my favorite new blogs, Money Peach, featured a great article on ways to cut TV costs and still enjoy great TV shows and movies.  All the TV You’ll Need for $28 a Month shares great TV options that won’t break the bank. Jacob from I Heart Budgets wrote an awesome article this week entitled Broken Doesn’t Mean Broken. Find out how...

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How to Avoid Becoming House Poor

Posted by on 3:30 am in Budget | 3 comments

When the housing bubble burst in 2006-2007, and housing values hit even newer lows in 2012, America’s homeowners felt the impact on their wallets big time. Home foreclosures spiked from roughly 885,000 in 2005 to 1,259,000 in 2006, an increase of approximately 42%, according to Wikipedia’s timeline of the U.S. housing bubble.  The experts tell us that nearly half of Americans are what is described as “liquid asset poor”, meaning that, essentially, they are living paycheck-to-paycheck. A big reason that so many folks...

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The Value of Financial Empowerment

Posted by on 3:30 am in Money | 3 comments

The following blog post is part of the The Road to Financial Wellness Blog Tour. Over a period of 30 days, the Phroogal team will go to 30 locations to raise awareness about financial empowerment. Today they will be in Phoenix! Our goal is to help people learn about money by starting the conversation. We understand that local conversations can help bring about national awareness. What is Financial Empowerment? I remember when I first heard the term “financial empowerment”. It was December of 2012, and my husband and I had just figured out...

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