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Author Archives: Guest Post

A Year’s Worth of Fun, Free Holidays

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Even the most frugal people can experience a holiday money hangover. Wouldn’t it be fun to celebrate holidays without spending a dime? Here is a year’s worth of fun holidays that you can celebrate for free. January 6: Cuddle Up Day Put on your pajamas and gather the family on the couch to read books or watch a movie together. ... Read More »

    12 Steps to a Happy New You

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    Resolutions are usually about mustering up your willpower and tackling something difficult in your life. But, becoming happier? How hard can that be? Plenty. Life is stressful. We try to cram dozens of must-do tasks into too-little time. Even in restaurants, stores, and our cars, we are multi-tasking on our phones and devices, yet we never feel caught up. When ... Read More »

      My Medical Debt Story

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      For those that don’t know me on a personal level, I am married with 3 kids. My 7-year-old daughter put an abrupt end to end of summer beach and pool time when she broke her arm. She handled the entire emergency room visit and surgery like a trooper. As the middle child, I know she enjoyed all the extra attention. ... Read More »

        How Can I Move Forward When My School Won’t Release My Transcript?


        Question: Dear Steve, I attended a private college one trimester in 1986 when I was 18. I transferred to a public university that year and completed my degree. 30 years later, today I am wanting to get a second degree but need my official transcript from the private college that I attended in 1986. They are withholding the official transcript ... Read More »

          You have protections when it comes to automatic debit payments from your account


          Nov 23 2015 By Gail Hillebrand and Davida Farrar People use automatic payments set up with a merchant or other service provider to pay bills and other recurring payments from their bank or credit union accounts. This could be for utility bills, credit card bills, monthly fees for childcare, gym fees, car payments, or even a mortgage. Such automatic payments ... Read More »

            5 Fitness Strategies for the Extremely Tight Budget

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            Getting fit doesn’t have to break the bank. Here are five ways to stick to a tight budget and awaken the athlete within! 1. Sponsorships If you are dedicated to self-growth, you may not realize it, but you could be an invaluable publicity asset for a local gym. Map out some of the local, smaller fitness centers in your area; ... Read More »

              Things to Watch for When Signing an Assisted Living Contract for/with a Parent

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              If you’re at a point where you are researching different assisted living facilities for a parent, then you are probably also looking at assisted living contracts. With the average cost of an assisted living facility at $ 42,000 per year (Genworth Financial), you’ll be making a sizable financial commitment. So what should you be looking for when you’re reviewing these ... Read More »

                10 Things You Need to Do Before Declaring Bankruptcy

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                A lot of people have the misconception that filing for bankruptcy is the easy way out. This could not be any further from the truth. Bankruptcy is not an escape route that frees you from all the financial shackles that had kept you confined. Instead, bankruptcy is a form of acknowledgement of the fact that your finances are beyond your ... Read More »

                  Helping Aging Parents Cope When Living Separately in Assisted Living

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                  According to the CDC, the average life expectancy is 78.8 years. As parents age, they may begin experiencing diminished capacity. They might need the help offered in an assisted living facility. In some cases, caregivers may determine at a certain point that parents need to live separately with one living in an assisted living environment while the other lives independently ... Read More »

                    Choosing a Prepaid Cell Phone May be Your Best Call

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                    Choosing a Prepaid Cell Phone may be your Best Call: By Debra L. Karplus Think back to the last millennium, perhaps ten or so years ago, if you can remember that far into the past. The terms “apps” and “texting” and even “24/7” hadn’t yet crept into the vernacular. Cameras and telephones were two completely separate devices. Internet and email ... Read More »

                      The Sunny Side of Solar Heating

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                      The Sunny Side of Solar Heating: Can solar heating your home save you money? By Debra L. Karplus “I was too early on solar power—let’s not be too late”, states Robert Redford, well-known actor, director and environmental activist. Redford appears to have a clear perspective on home heating needs for today. Solar heating is a concept whose time has perhaps ... Read More »

                        Money-Making Idea for the Enterprising Teen or Pre-Teen

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                        Get Ready Now! Money-Making Idea for the Enterprising Teen or Pre-teen By Debra L. Karplus It’s frustrating being too old for summer camp, but too young to drive and have a real job. Gathering together with friends at the mall, every day, stops being fun after awhile. A summer with some structure and meaningful activity can be more satisfying. You ... Read More »

                          Is a Free Portfolio Review Really Free?

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                          Is a Free Portfolio Review Really Free?: How to work with a financial planner By Debra L. Karplus You’re a conscientious person. You take excellent care of your home, car and personal belongings. You visit the doctor and dentist regularly for exams, even when you’re healthy, to make sure everything’s okay. A friend mentioned that you should also have your ... Read More »

                            Online Calculators: Valuable Financial Decision-Making Tools

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                            Online Calculators: Valuable Financial Decision-Making Tools By Debra L. Karplus Financial decisions can be mind-boggling at times. Whether you are shopping for a mortgage or auto loan with competitive interest rates and affordable monthly payments, checking out insurance quotes with reasonable premiums, trying to select the credit card that works best for your family, putting together a household budget with ... Read More »

                              Why Pet Insurance might be Right for You

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                              When Fluffy Gets Sick: Why Pet Insurance might be Right for You By Debra L. Karplus You love your children dearly, but it seems that you spend way too much time taking them to the pediatrician. Whether it’s a routine school physical and required immunizations or another case of pink eye, it’s physically exhausting to deal with at times. If ... Read More »

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