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Author Archives: Amanda Miller

Amanda Miller

How To Save Money Cooking Dinner

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photo © 2005 K.I.T. | more info (via: Wylio)I’ve compiled a short list of money saving techniques I’ve been practicing lately. Some of these things may seem obvious to some while epiphany moments to others. For me, my groceries are one of my largest expenses each month. The tips listed below are some helpful, handy and simple steps to help ... Read More »

Are Stay-At-Home Mom’s At Risk For Being Denied Credit?

The Federal Reserve has recently proposed new rules in credit card lending to only consider one’s personal income and not the household’s income. Essentially, this sounds smart. They are trying to prohibit those without a steady income from taking on credit, especially those unable to repay their debt. However, Margaret Ryznar points out an outstanding point in her most recent ... Read More »

The Effectiveness Of Tearing Up Unwanted Credit Card Offers

credit card application

Ever wonder how effective tearing up an unwanted credit card offer is? Many will just tear it in half, or even tiny pieces, throw it in the garbage and never think of it again. However, how easy would it be for a criminal to get a hold of your garbage and tape it back together? So many of us think, ... Read More »

Payday Loans: How Quick Is A Quick Solution?

Average Days Indebted

On March 31, 2011 The Center for Responsible Lending put out a publication entitled “Payday Loans, Inc.: Short on Credit, Long on Debt” where they featured a recent study of payday loan borrowers. The CRL tracked 11,000 Oklahoma payday loan borrowers for 24 months from the date of their first loan and revealed their findings in their latest publication. Their ... Read More »

Over Half of $1,000 Spent Each Month On Food And Drinks According to Mint.com Users

Eat, Drink and Be Thrifty

The folks over at Mint.com and Column Five Media put together a great little video with Akorn Entertainment to show how much users that track their spending on Mint.com spend on food and drinks each month. The video entitled “Eat, Drink and Be Thrifty: Mint.com Monthly Food and Dining Spending” showed an average $581.46 spent each month on food and ... Read More »

Giving Back When Money is Tight

Back Of House

Last weekend a nasty tornado ripped through my town of Raleigh, NC. Many of you undoubtably heard about this nasty cyclone on the news, reported to have been 4 miles wide and continue for roughly 96 miles. By a miracle my family and I were spared from any devastation. However, some were not as lucky. It’s been almost a week ... Read More »

Financial Literacy Not a Band-Aid to Change All Factors for Smart Money Management

Figure 1: Financial Literacy and Financial Product Ownership - Difference between the lowest 20% of financial literacy scores and the top 20% of financial literacy scores

photo © 2010 Alan Cleaver | more info (via: Wylio)The Centre for Corporate Law and Securities Regulation in conjunction with The University of Melbourne released a Research Report in March 2011 about Financial Literacy and “What Causes Suboptimal Financial Behaviour? An Exploration of Financial, Social Influences and Behavioural Economics”. This following article will showcase their report and findings. All quotes ... Read More »

Saving Money with Groupon and Living Social Daily Deal Sites

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Another fun and thrifty money saving tip from us here at GetOutOfDebt.org: daily deals! If you’re looking for a great way to find fun things to do and still save money you may want to check out daily deal sites such as Groupon and Living Social. I have become addicted to these websites – always excited for the next day’s ... Read More »

Coupons Saved Newlywed’s Household

Yesterday, I sat down over snacks with my friend Ann, my personal coupon guru, to talk couponing. In the very early days of us meeting I overheard her telling a friend, “I’ve got to get home and organize my coupons for tomorrow!” Intrigued, I jumped in the conversation and asked “what for?” She explained that Super Double Coupons at Harris ... Read More »

Extreme Couponing or Extreme Fraud. What Do You Think?

It seems there is a big controversy in the couponing world these days which has been sparked by the new reality show on TLC called, “Extreme Couponing”. I first got wind of the controversy the day after TLC aired a segment with J’aime Kirlew, a paralegal and coupon workshop instructor living in Maryland who started couponing after her husband was ... Read More »

Saving Money With Couponing Doesn’t Have To Be Complicated

Kroger Receipt

The Art of Couponing is to save money on the items you use on a regular basis. Not to go out and get something for less money that you never have thought about using before or hoarding all the items you use or think you’ll use and have enough in your basement for a 20 year supply. A six month supply ... Read More »

BillFloat.com – A Great Alternative to Payday Loans

BillFloat - How It Works

This year at SXSW I had the pleasure of meeting and hearing Ryan Gilbert from BillFloat.com speak at the “Dawn of the Data: Future of Consumer Lending” panel. Ryan spoke of his service BillFoat.com, an alternative to payday loan lending. I remember sitting in my seat, surrounded by other finance thirsty attendees thinking, “wow, this sounds like a good idea.” ... Read More »

Saving Money with RetailMeNot.com

RtailMeNotLogo

photo © 2004 Gareth Saunders | more info (via: Wylio) I am well aware of the instant gratification of shopping. This is a pitfall for some people, myself included. The feeling of just purchasing an item you want, holding it in your hands and the excitement to take it home. This used to be a huge pitfall for not only ... Read More »

GetOutOfDebt.org Redesign?! Alert The Press!

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We here at GetOutOfDebt.org are working hard to provide a cleaner and easier viewing experience for our viewers of the site. We are excited to announce that new changes and a redesign will be happening soon! In this process we will also be integrating an online community for readers. This community will be an area of the site readers can ... Read More »

The Importance of Reading the Fine Print of Credit Agreements

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Last week a concerned mother wrote to us here at GetOutOfDebt.org with a predicament with her son’s BillMeLater Account. Her concerns are as follows: “This debt is just outrageous and needs to stop with the deferred payment that they are going to sock onto this debt and will never be paid off. There is no reasoning with them at all ... Read More »

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