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Beaches in South Kauai

Pros and Cons About Booking a Vacation With Points

I’m sure you are all sick of hearing about my Hawaii vacation by now, but it really was the highlight of the year for us so far. It also took more than a year of planning to book most of the trip with points and miles for our family of three. We’ve booked smaller, closer trips with points before, but this was the first time we’ve really used our credit card rewards for high end resort stays and expensive flights. Let me say that this is in no way a negative post. Taking a two week vacation is something I ...

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new payday loan regulations

The Changing Face of Payday Loans

Payday loans have come a long way since they were first introduced. Now one of the most popular ways to borrow, these loans have helped thousands of people out of emergency cash situations. Thanks to new regulations,  payday loans have become more transparent as far as interest rates and caps on the amount borrowed. The industry has definitely seen a lot of improvements, but how exactly have they changed?  How it started out Payday loans actually started out in America and according to Swift Money, and it’s grown from a £100 million industry to a £2 billion industry over the ...

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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy: Are You Eligible?

In your journey toward financial clarity, there will come a time when you will need to take an honest look at your debt. If you’re lucky, you might be in a position to pay off your debt and improve your financial picture. However, if your debts are far greater than your income, or if you have had a series of misfortunes that have left you financially bereft, you might have no option but to file Chapter 7 Bankruptcy. What is Chapter 7 Bankruptcy? Before we talk about what Chapter 7 is, we should discuss what it is not: Chapter 7 ...

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Small business accounting software programs

Consumer Report Card: Top Six Accounting Software Programs Today

The report is in – people like making and saving money.  However, coupons and deals only save immediately, yet those who excel at accounting are good at managing an ongoing and healthy flow of income. If you’re not employing top-grade accountants to handle your expense sheets, give the following quality accounting software programs a try. FreshBooks TheFreshBooks interface is sleek and easy to use.  Traditional and digital options let owners utilize mobile tools or capitalize on snail-mail options.  Users appreciate numerous integrated add-on options while others complain about the software’s inability to manage large numbers of clients and inventory.  FreshBooks is ...

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Buying your kids things for road trips

The Most Unfrugal Purchase I’ve Made in Years

Shannon from Financially Blonde had a great post on last week about how she almost never pays full price for anything. After reading that post, I tend to agree with her point of view that planning and shopping around almost always turns up a better deal. I try really hard to always get the best value for money we spend. Sometimes it is harder when you live in a small town and need or want something fast. Recently, I made a very frivolous and unfrugal purchase, and honestly, I don’t feel bad at all. My Child Is Probably Really Spoiled I ...

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Saving Money