tag:blogger.com,1999:blog-20843837665370456172012-01-30T12:21:18.478-05:00Simple Steps for Financial FreedomThe Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.comBlogger851100tag:blogger.com,1999:blog-2084383766537045617.post-7629716226946278722012-01-29T10:51:00.006-05:002012-01-30T12:21:18.488-05:00

© Dana Rothstein | Dreamstime.comFreelance writing is a great way to bring in additional income and can even become a full time job for some people. If you are gifted in spinning words, and writing articles, then there is a place for you on the Internet. Over the past two years, I have been freelance writing for other web sites and personal finance blogs through freelance job listing sites such

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-88732392209852113802012-01-02T09:49:00.011-05:002012-01-02T15:16:17.078-05:00

I thought today would be a great day to reflect back on the top blog posts for The Debt Darling. Also, I thought it would be fun to insert some really cute pictures at the same time. Enjoy!Here's a great post to revisit, especially post holiday shopping when you receive your credit card bill for January. Creditors That Offer Financial Hardship Programs: Reduce Your Interest Rates TodayAren't

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-15005424325343581142011-12-30T08:43:00.008-05:002011-12-30T08:55:53.669-05:00

Yay! Today my $75 bonus was deposited into my Sharebuilder account. I had already withdrew my $100 deposit that I initially made to qualify. The key is, to ensure that you keep the $100 in the account until you receive an email from Sharebuilder stating you have qualified for the bonus. As of today, I have netted $143.55 from Sharebuilder bonuses (that's subtracting trade fees for two accounts

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-22001634473420723102011-12-23T12:03:00.004-05:002011-12-23T12:22:36.879-05:00

© Alexandr Labetskiy | Dreamstime.comWhoops, I meant to say $75. Does that sound even better? I wanted to let you know that I found another code for opening a Sharebuilder account. This code is ONLY good until December 31, 2011. In addition, all you have to do is deposit $100. You are not required to buy stocks or trade at all. Once you deposit $100 into the account, you will receive a $75

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com4tag:blogger.com,1999:blog-2084383766537045617.post-44844598436581247452011-12-19T16:19:00.006-05:002011-12-19T16:39:51.733-05:00

Weekly Money Check Up for MyPrettyPennies.com 1. The most I’ve spent this last week was on coffee. Starbucks was on sale. So, I purchased two bags instead of my normal one. 2. Today I am thankful for my quiet time with God. :) He is the best listener and expects nothing in return.3. Money can’t buy happiness. One free thing I did last week that made me happy was make a cup of coffee at home

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-74081666652192158992011-12-16T10:17:00.004-05:002011-12-16T10:33:39.301-05:00

© Yevhen Basov | Dreamstime.com I love a good sale, especially when I am shopping in my pajamas. So, last year, I ventured out into the cold to do my Christmas shopping in actual stores. I thought perhaps my Christmas spirit had been stifled by doing all my shopping online and avoiding the scurrying crowds and the cold. You know what? I was wrong. If anything, walking through crowds of

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-76687069726346517372011-12-15T11:48:00.008-05:002011-12-15T12:13:55.358-05:00

© Lane Erickson | Dreamstime.com Here are two bank/investment bonuses that can land you $100 in cash. I have opened accounts with both companies and can testify that it’s very easy. Enjoy! ING DIRECT - $50 Bonus (FREE CASH) Instructions: Click one of the links below or request a link from me at thedebtdarling@gmail.com. Open your Electric Orange and make a total

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-50251934790484194992011-12-14T21:09:00.004-05:002011-12-14T23:52:06.168-05:00

Get ready to do all your Internet shopping and save on shipping! This Friday, December 16th, is 'Free Shipping Day.' Many large retailers, as well as smaller ones, have banded together on this day to offer free shipping to all of their online customers. Click here to get a full list of the retailers offering free shipping this Friday.

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-67749821054531932952011-12-07T12:13:00.004-05:002011-12-07T12:33:28.703-05:00

© Zoom-zoom | Dreamstime.comCredit card debt seems to linger if you do not deal with it using focus and intention. If you have had the same balance on your credit card for two months or more, then it may be time to apply more focus to this debt. Here are five steps to knock out your credit card debt more quickly. 1. Get a Lower Interest Rate The interest rate on your credit card has

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-8412765384118103432011-11-05T10:18:00.003-04:002011-11-05T10:27:54.519-04:00

I was perusing blogs this morning and ran across a stunning tip that I have never encountered before in my life. How have I been fooled all these years by microwave popcorn makers that I can only pop my popcorn in their special microwavable bags? According to Squawkfox, I can buy bulk kernels for a whopping $0.50/pound verses the $3.53/pound that I have been paying for the "microwaveable bag."

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-72396210195782199322011-07-27T09:06:00.004-04:002011-07-27T09:11:05.200-04:00

This is a guest post by Anya Bennett. Feeling glum because you are falling behind your payments? Every pay check received seems to laugh at your face as it’s a sure shot to reach straight into the hands of your creditors? If yes, don’t wait for a miracle to change your financial state, be proactive and settle your debts right away. You can settle your debts on your own or you can take debt

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-34838349223971842572011-07-19T13:56:00.015-04:002011-07-19T15:55:38.027-04:00

© Archana Bhartia Dreamstime.comI was reading a post today on Fabulously Broke in the City, and contemplating if how a person eats chocolate really does have anything to do with their will to save or spend. You can read the post here. FB basically states that if you save your favorites for the end to savor, then you tend to be more self-controlled and able to delay gratification. If you eat them

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-17292753519449106372011-07-08T12:48:00.004-04:002011-07-08T12:49:41.797-04:00

Many people have never heard of a hardship program or know that these programs even exist. Hardship programs are programs that many creditors provide to clients that are having difficult making their payments. Typically, with a hardship program, you will receive a reduced interest rate and payment. I have listed below some of the creditors that I know for sure have programs. However, please do

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-68721687569830355472011-07-07T14:44:00.001-04:002011-07-07T14:46:28.579-04:00

There is a story about a student of Socrates that goes something like this: Socrates had a student who asked him, “How can I get wisdom?” Socrates walked him down to the ocean until they were both standing waist-high in the water. Then he grabbed the student's head and pushed it underwater, holding it there while the student struggled and panicked. When he let go and the student stood up,

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-65034717533702967572010-11-24T23:33:00.001-05:002011-07-07T09:31:19.766-04:00

© Mark Bond /Dreamstime.com  There are millions of resources on the web, library, and in books that tell you how to make money. You’ve seen the ads: “I made $5000 in one week and so can you?” Many people doubt the validity of these claims. However, the truth of the matter is that making money is not the hard part. The hard part is mastering the thoughts in your mind that say, “This is not

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-91342035998622797572010-09-11T17:12:00.000-04:002010-09-11T17:12:05.199-04:00

© Gingergirl/Dreamstime.comIt's been a while since I have posted. I have been somewhat preoccupied with adjusting to working full time, going to school, and doing homework. I never realized how tight my schedule was until I tried to smush (is that a word?) more activities into it. In any case, I wanted to right a blog today regarding focusing on where you are at and where you want to go. In the

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-8819574744264887262010-08-13T01:31:00.000-04:002010-08-13T01:31:12.295-04:00

© Darryl Sleath /Dreamstime.comMany people ask themselves this very question on a daily basis. When dealing with difficult bosses, tight deadlines, and even having someone determine when you can eat lunch and go to the bathroom, many employees begin to dream of a day when they can call the shots, and even the breaks and lunches, for that matter. We begin to tally up the years of work we have

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-86802983440467704662010-07-14T22:33:00.002-04:002010-07-14T22:34:53.664-04:00

Dear Dedicated Readers,In case you are wondering, I have not listed my 100 items on eBay as of yet. I have listed about 14 items. So, I have started. :) I am hoping to end July with 100 items listed and sold. There are many exciting changes on the horizon. One of which is that I have decided to return to school to complete my masters degree in music. I am very excited. Although, I have been

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-677802084742513982010-07-05T12:23:00.000-04:002010-07-05T12:23:27.480-04:00

Yesterday, I was at a cookout with my family.  My dad told me he had lost the back cover to his cell phone.  He came up with this nifty replacement, saving him the cost of a replacement cover and/or cell phone.  I guess credit cards/gift cards are great for other uses!

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-19154591599536703632010-07-02T00:11:00.000-04:002010-07-02T00:11:25.490-04:00

If you have not heard, eBay has updated their fees for listing items.  You can now list up to 100 items free if you use the auction style listing and the starting price is below $1.00.   This is a great time to make some extra cash, clear some clutter, and pay off debt.  Join me in the 100 item promotion.  Over the next week, I will be listing 100 items on eBay at 99 cents.  I will follow up

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-24211611107111643142010-06-30T01:23:00.000-04:002010-06-30T01:23:07.541-04:00

© Aaron Kohr Dreamstime.comI know what its like to struggle with debt. Part of the reason I decided to become a Certified Financial Counselor three years ago was because I know what it is like to have your debt calling the shots in your life. It may be the first thing you think about when you wake up, and the last thing you ponder before you go to sleep. You may meditate on the numbers all day

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-60256733463475310502010-06-22T23:17:00.000-04:002010-06-22T23:17:58.020-04:00

© Roman Milert Dreamstime.com As a counselor, I talk to many people on a regular basis that are in debt. It still never ceases to amaze me that most people that have debt have no idea how long they have been paying it. Some have been paying on the same $5000 credit card debt for over five years. This baffles me! After suggesting a debt management program for them, they then tell me that they

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-88469912481780024232010-06-07T18:51:00.000-04:002010-06-07T18:51:32.334-04:00

Here’s this week’s menu. I am trying to incorporate more veggies and soy protein into my diet. I haven’t had Boca burgers in a long time. So, I thought I would make them this week.  I am also trying a new recipe from Ellie Krieger's So Easy cookbook.  Hope its good.  :) Monday: Boca burger with Creamy Broccoli Slaw (So Easy – Ellie Krieger) p. 128 Tuesday: Veggie Night – Garlic mashed potatoes

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-19741494155038755352010-05-26T00:43:00.000-04:002010-05-26T00:43:06.102-04:00

So, this isn't really a personal finance piece.  However, I am honing my video editing skills and wanted to share my first video with my readers.  My best friend and I went to the 2010 Hoop Convergence.  We love to hula hoop.  Enjoy!

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-67857203176936308602010-05-17T21:37:00.000-04:002010-05-17T21:37:54.280-04:00

Yes, I know, running late once again on Menu Plan Mondays.  I have come to realize that sometimes in order to make huge breakthroughs in other parts of your life, you may have to sacrifice from time to time.  This includes posting blogs late.  :)  Don't worry.  I am still here.  For now, here's my menu for the week.  You will see lots of repeats because I have leftovers from last week;s meals. 

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-54323394404892792422010-05-10T14:31:00.000-04:002010-05-10T14:31:00.656-04:00

I am beginning to really enjoy cooking at home.  I have made it a game to see how many times I can avoid eating out.  This is great for my wallet and my waistline.  I am beginning to realize that even the stuff that seems less than healthy is healthier cooked at home than it is at a restuarant.  So, I am trying to allow more fun items this week like pizza and mexican dishes.  I can't wait to

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-83317094040323318002010-05-05T18:01:00.002-04:002010-05-05T18:06:43.480-04:00

Now that you have created your goals for getting out of debt and financial freedom, you want to integrate those goals into your Automatic Savings. I always knew that having savings was important, but could not put the principle into practice. Then, I discovered automatic savings using sub accounts with ING Direct.What is a sub account?You start by opening one account with ING Direct. Then, you

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-3441123100514703632010-05-04T00:06:00.000-04:002010-05-04T00:06:15.197-04:00

Menu Plan Monday was posted a little late today, actually a lot late.  I was testing a new recipe this evening for homemade chocolate cake.  So, it was totally worth it.  Bon Appétit! Monday: Brunswick Stew from Freezer with Grilled Cheese on Spelt Bread Tuesday: Grill Chicken (salt and pepper), Steamed Broccoli, and Corn on the Cob Wednesday: Baked Tuna Steak (olive oil, 1 tsp of brown sugar),

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-16873148654275940242010-04-28T22:36:00.000-04:002010-04-28T22:36:23.568-04:00

At this point, you have completed steps 1-3. If your budget is still negative after all your expenses, I want you to go through each of your expenses and see if you can cut tiny bits off each expense to allow your budget to balance. It is vital that you are able to at least pay everything on time and pay minimums before we even start working to diligently cut expenses and increase income. We

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-7402099618239747462010-04-26T18:45:00.002-04:002010-04-26T18:53:38.867-04:00

I am posting this a little late. I just ate Monday night dinner. FYI: The Edy's Frozen Yogurt is delicious and low in fat. :) It's my new favorite dessert. I am working to clean out my freezer. So, this is pretty much the last of it. Then, I will restock next week. Happy Menu Plan Monday! Monday: Leftover veggie soup and grilled cheese sandwich on spelt bread (chocolate frozen yogurt for dessert)

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-24420279747187227692010-04-19T18:36:00.003-04:002010-04-19T18:41:49.159-04:00

You have printed your budget, filled out your income and expenses, and written your financial goals so far. Now comes the task of optimizing your budget. You may currently find your budget in the negative. Please remember this is a work in progress. Your budget is very much like a three year old, trying to go its own way even when you are telling it what to do. You must be patient with this

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-1505350815659428252010-04-18T20:52:00.001-04:002010-04-18T20:54:32.833-04:00

Monday: Jambalaya - Contessa on the Stove Meal (on sale at Lowe’s foods now)Tuesday: Breakfast -Sausage, egg, spelt English muffin, and tomato slicesWednesday: Leftover JambalayaThursday: Baked BBQ Chicken, Green Beans, and Steamed Corn on the CobFriday: Leftover Chicken and Steamed BroccoliSaturday: Veggie Soup with Toasted Spelt Cheese BreadSunday: Dinner with Family (birthday for my

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-55128087177545721282010-04-15T00:21:00.000-04:002010-04-15T00:21:49.811-04:00

Debt Diversion #2: Setting Goals I hope by now you have had a chance to print out the budget in post #1 of the Debt Diversion. If not, please go here and print it now. In step number 2, we will work on setting our goals. I believe the Cheshire cat in Alice in Wonderland said it best when he stated that it does not matter which way you go if you do not know where you want to go. This is why

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-44563198746904218142010-04-12T22:04:00.000-04:002010-04-12T22:04:50.893-04:00

Today is Menu Plan Monday.  I have decided that two new recipes a week is too much for this single gal.  So, this week, I am trying one new recipe and making good use of my crockpot.  I am also avoiding wheat products this week.  So, I am substuting corn based breads or Spelt Bread for any meals where I would like to have bread. Monday: Leftovers from Sunday Dinner with the family :) Tuesday:

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-90452537871960256742010-04-06T23:13:00.000-04:002010-04-06T23:13:40.452-04:00

By The Debt Darling This can be a difficult and frustrating experience for most. You work 40 hours a week, and the payday comes. You pay all your bills and have little, to no, cash left. Everyone around you tells you, just be grateful that you can pay all your bills, but that’s not what you want to hear. Just be thankful? What everyone around you is saying is just be complacent because all your

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-20716813014400061042010-04-05T13:20:00.002-04:002010-04-05T13:27:13.041-04:00

Today is Menu Plan Monday. I have taken some of this week’s menu from a new cookbook that I am trying called "Forgotten Skills of Cooking" by Darina Allen. Since I am cooking for one, I am also only making a half recipe of each recipe. This provides a lunch serving for the next day and prevents me from eating the same thing four days in a row. Monday: Meatballs with Fresh Tomato Sauce (p. 172

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-34569171213455773832010-03-28T23:53:00.006-04:002010-03-31T10:28:21.900-04:00

So, you are at work right now, it's the 2pm afternoon lag. You need something to give you a boost. Why not click on over to the Ultimate Money Blog, and read this post.You can enter for your chance to win $100. You can get up to 4 entries in the contest. What have you got to lose? Another 5 minutes on Facebook?Win $100 Cash at the Ultimate Money Blog

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-20907466087887896982010-03-28T23:31:00.003-04:002010-03-28T23:48:11.717-04:00

By The Debt DarlingImage by © Limeyrunner Dreamstime.comThe 20/80 Rule, also known as the Pareto Principle, states that 80% of the affects come from 20% of the causes. This rule can be applied to every aspect of your life including your finances. In a recent post, I asked you to imagine yourself five years from now and decide where you want to be financially. After this decision, you must begin

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-14058526966675644632010-03-27T17:07:00.002-04:002010-03-27T17:12:58.713-04:00

I just signed up for an ING Orange Checking Account. The account provides all of the following:FREE ATMs at 35,000 locations No monthly fees or minimums Checking that earns interest Debit MasterCard for purchases I have written one time before about ING. I actually have several accounts with them because they offer such great rates on their savings and checking accounts. I have set up this post

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-61329144742204529012010-03-25T21:46:00.005-04:002010-03-25T21:59:14.728-04:00

By The Debt Darling Image by © Ingrid Perlstrom Dreamstime.comI have a newfound love for the Redbox. Why, you may ask? Well, I get all my movie rentals free now. J I use a web site called RetailMeNot.com to get coupon codes for things like clothes, Papa Johns pizza, and Redbox video rentals.If you are new to Redbox, let me give you a little introduction. Redbox is video rental kiosk found in

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-62126203659345484602010-03-24T21:39:00.003-04:002010-03-24T21:54:10.933-04:00

By The Debt DarlingImage by © Anatoly Tiplyashin Dreamstime.comAre you ready to get out of debt? There a millions of tools on the web to help you calculate how much you need to pay every month. I recommend one that is free. You do not need to pay a monthly fee to a financial expert to know what your debt snowball or debt payoff plan should look like. Here is a great site that I personally use

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-50147610252317786212010-03-23T22:15:00.007-04:002010-03-23T22:32:21.751-04:00

By The Debt Darling Image by © Pirneci Iulian Dreamstime.com I was thinking today about every story that I have heard regarding someone that was financially successful. I am talking about people that have built huge businesses and made a great deal of money. Just a few that came to my mind were Dani Johnson and Robert Kiyosaki. I also recalled the story I read about Problogger’s Darren Rowse, who

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com6tag:blogger.com,1999:blog-2084383766537045617.post-69944861478101936382010-03-22T20:31:00.013-04:002010-03-22T21:12:13.811-04:00

I ran across this video on moneyfunk.net, a fellow blogger's site. My plan today was to begin Menu Plan Monday. However, as I watched this video, I began to think what a much better idea it would be to show you why you need to plan your meals and cook more meals at home. Our children are dying, and we are slowly helping to kill them with fast food and other convenience food. Just yesterday, my

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-1886203311752813402010-03-20T23:23:00.004-04:002010-03-20T23:35:47.719-04:00

Image by © Tatyana Chernyak Dreamstime.com Sorry everyone for the short post today. The Debt Darling is currently trying to meet a deadline for thirty articles on frugality for another blog. :) In light of that, I am frugaled out for today. I will tell you that I am planning to implement a new feature post on Monday's called Meal Plan Monday's. Do you plan your meals each week? Stay tuned for

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-42481477818611444452010-03-19T22:18:00.006-04:002010-03-19T22:56:35.861-04:00

By The Debt Darling Image by © Dario Diament Dreamstime.comI was driving today and heard a song that brought back fond memories of a road trip. My BFF and I took a road trip to New Orleans over a decade ago. 'Hit Me With Your Best Shot' was one of the highlights of our trip. As I was singing at the top of my lungs in the car (because that's how I roll), I began thinking about the ups and downs in

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-3848131632178640812010-03-18T21:22:00.007-04:002010-03-18T22:17:47.494-04:00

By The Debt DarlingImage by © Rgumus Dreamstime.comThis Saturday, the 20th, marks the first day of spring. During this time, many people will begin getting spring fever and planning their gardens for the summer. Do you usually have a garden? I will admit that I have tried to grow vegetables without much luck. Apparently, I was the child born with the black thumb instead of the green one. However,

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-39328101503079598292010-03-17T23:22:00.005-04:002010-03-17T23:43:30.477-04:00

By The Debt DarlingImage by © Timur Anikin Dreamstime.comThis weekly deal is too good to pass up. I found it on a freebie site. It does require $3.00 on your credit/debit card, but for that three dollars you get three boxes of Gevalia Coffee, a stainless steel commuter mug, and NO commitment. That's right! You do not have to commit to anything. Aren't you excited? Can't you smell the fresh aroma

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-88104233027640855992010-03-16T20:17:00.005-04:002010-03-16T20:34:28.155-04:00

by The Debt Darling Image by © Bill Dean Dreamstime.comMy answer to that question would be NO! Frugality is not meant to be unpleasant or painful. It is making the most of what you have, saving, and not being wasteful (dictionary.com). Although, many would like to take being frugal to the extreme by denying themselves to the point of pain, your goal in frugality should not be pain, it should be

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-39117020591338864602010-03-15T11:54:00.004-04:002010-03-15T12:02:14.037-04:00

by The Debt DarlingImage by © Nick Stubbs Dreamstime.comWith springtime soon approaching, many begin making vacation plans for the summer. Do you have your eye on a great vacation spot? Is the money a little tight? Try applying some of these strategies to save on one of your biggest expenses, accommodations.1. Camp Out for Part of Your Trip - If you are going to a specific destination on a road

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-83960955158854741642010-03-14T23:02:00.004-04:002010-03-14T23:48:11.211-04:00

by The Debt Darling Image by © Robert Lerich Dreamstime.comIf I were to instruct you to drive to a predetermined location to pick up a bag of cash that I would like to give you, would you do it? Would you be skeptical and wonder what the catch was? Would you do it anyway, or would the skepticism be a barrier to even trying? Well, that’s exactly what most people do when you give them the

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-16027325450399866032010-03-13T22:46:00.005-05:002010-03-13T22:52:14.449-05:00

By The Debt DarlingImage by: © Timur Anikin Dreamstime.comI began my pursuit of Dave Ramsey in 2006, with his infamous book, The Total Money Makeover: A Proven Plan for Financial Fitness. I read the book cover to cover devouring every page and dreaming of the day that I could walk down the street and hand out $100 bills to random strangers.My initial response was, “this guy has profound views on

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-74336871744631634992010-03-12T11:39:00.006-05:002010-03-12T12:19:17.772-05:00

© Raycan Dreamstime.comI have been on dates where I have paid for my half of the meal and dates where the guy paid. I have also been out with men, that when I offered to pay, told me “absolutely not.” What do I think about that response? I think it is absolutely adorable. Why? No, I am not a gold digger! However, a man that insists on paying puts forth a type of confidence that cannot be

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-28210083272046309242010-03-11T21:42:00.010-05:002010-03-12T11:28:39.036-05:00

Leave a Comment© Johanna Goodyear Dreamstime.com Being successful with money has everything to do with behavior. Even if you made $8000 a month, you would still be flat broke if you did not develop financial habits that would allow your money to grow rather than shrink. I have counseled hundreds of people in debt, and all of them have one thing in common. They have a weakness for spending large

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-42920638171882912492010-03-10T19:19:00.009-05:002010-03-10T20:25:12.648-05:00

If you are currently without health insurance, you may want to consider a Health Savings Account (HSA) in your options of health insurance coverage. An HSA is a just what it sounds like, a savings account that is used to pay for health related expenses. It is combined with a high deductible insurance policy called a High Deductible Health Plan (HDHP). HSAs generally offer a lower premium each

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com1tag:blogger.com,1999:blog-2084383766537045617.post-27972449251177786322010-03-09T21:16:00.011-05:002010-03-09T22:20:07.070-05:00

Sometimes we carry the frugality a little too far. Do you think this makes us go to the other end of the extreme to balance out our spending? Possibly. Here are twenty ways to not be frugal. 1. Buy something at the grocery store because you have a coupon even though you don't need it, and you are not even sure you are going to eat it. Can you tell I have done this one? 2. Going to the grocery

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-82474729957060225722010-03-08T23:14:00.005-05:002010-03-08T23:38:57.116-05:00

Have you been searching for a new place to get a $2.99 meal for lunch. Well, now through March 21st, Boston Market is offering $2.99 Market Meal Deals. You can get the following for $2.99:1/2 BBQ Chicken Carver with one regular gourmet side Mini Meatloaf Meal, featuring one slice of meatloaf, one regular gourmet side and cornbreadSide Duo, which includes a choice of two regular gourmet sides and

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-21308640784176113002010-03-07T14:13:00.004-05:002010-03-07T14:35:46.251-05:00

Visualization is a powerful tool when trying to accomplish any goal, whether it is health, finances, or major life changes. Visualization allows you to form mental images of your goals. In addition, if you focus on the image long enough, you can actually feel what it is to be in that place or goal. So, how can you use this for making financial choices? Well, have you sat down and actually

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-69080396617255356802010-03-06T23:20:00.006-05:002010-03-06T23:42:37.074-05:00

I was pondering over my Four Hour Work Week book (by Tim Ferris) tonight, and I read a very interesting statement. He stated that often to accomplish the big wins or the big goals, you have to let small bad things happen. I paused for a moment and realized this was also true in the personal finance world.We often get very focused after reading a personal finance book, going to a seminar, or

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-69398915280539943982010-03-05T23:05:00.005-05:002010-03-05T23:31:51.194-05:00

A good credit score can help you in many ways. It can assist you with getting lower interest rates on loans. It can help you to purchase a home. Sometimes, it can even affect where you work. If you have a low score, no worries. You still have the ability to rebuild your credit. Here are some easy tips to get you started in the right direction.1. Paying your bills on time is, by far, the best way

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com5tag:blogger.com,1999:blog-2084383766537045617.post-59253414587777796472010-03-04T21:25:00.013-05:002010-03-04T23:06:32.274-05:00

Food is often the most expensive item on a household's budget, especially if you eat out very much. Cutting and saving on your food budget does not have to be painful. I do not believe in eating beans and rice all the time. In fact, I actually hate rice. However, I do believe in cooking meals at home and making the most of your experiences when you eat out. Here are 6 wonderful ways to enjoy

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-38435388736201225292010-03-03T21:52:00.002-05:002010-03-03T22:01:32.567-05:00

You have $16 until your next payday, and you need to be able to eat and get to work and other obligations until then. What do you do in situations like this when you are in dire straights? Do you run to the credit card? Do you run to a family or friend and ask for a couple of bucks to last you until then? Do you just stand in pride and say, “I am a financial warrior, and I can do this without

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-75097290146789320252010-03-02T16:09:00.011-05:002010-03-02T17:04:31.053-05:00

I love saving money, especially on something I know I HAVE to pay for every month. Here are 10 steps that will allow you to save on your monthly utilities. 1. Do an energy audit of your home. Various web sites offer free energy audits of your home. You simply type in the information and the service will respond with changes that you can implement to make your home more energy efficient. A great

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-55188026409623155492010-03-02T00:20:00.009-05:002010-03-03T10:47:34.187-05:00

Occasionally, you may find yourself in a situation where you may need some quick cash. Here are 7 ways to make $100 in a flash. 1. Sell 20 items on eBay at $5 each. This could include movies, exercise videos, cookware. I have even listed free samples of products. You name it, it will sell on eBay. Coupons sell great too! 2. Open a savings account with ING Direct and refer 5 people to ING that

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-29455791412037946652010-02-28T23:05:00.004-05:002010-02-28T23:20:41.944-05:00

Many people confuse money as a destination rather than a tool to get to a destination. Your goal in life should not be to be filthy rich unless there is a destination behind having that amount of money. Money not only is a tool, but it must be told what to do. So, if you have no idea where you are going "goal-wise," and you are just throwing all your money at bills and expenses, then the tool is

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-2524837142911756742010-02-27T12:41:00.005-05:002010-02-27T13:20:03.609-05:00

Have you been thinking about opening a savings account? Well, now is a great time to do it because ING Direct is offering a promotion that will allow you to get $25 free in your pocket just for opening the account. If you would like to take advantage of this offer, please send me an email requesting the link. I have a limited quantity of 50. So, it's basically first come, first serve basis.

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-18975312025944043512010-02-26T21:52:00.003-05:002010-02-26T22:06:21.742-05:00

1. Downgrade your cell phone plan or get a cheaper cell phone plan. If you need an unlimited plan, check out straighttalk.com. They offer an unlimited talking and texting package for a flat fee of $45. They use the same towers as Verizon. So, if you are worried about coverage, don’t.-Monthly Savings $20-Yearly Savings $2402. Downgrade your Internet service plan or bundle services. I downgraded by

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-28659634020631502342010-02-25T22:45:00.009-05:002010-02-25T23:11:44.275-05:00

I am a Starbucks addict. Yes, I love coffee and the legal stimulant otherwise known as caffeine. It gives me a boost midday and allows me to focus on my work. It brings a smile to my face and allows me to socialize with the friendly baristas at Starbucks. However, my lattes do cost more than $4 each. YIKES! This is not a habit I can afford on a daily basis. It's more of a once, or twice, or three

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-33798259072198622872010-02-24T22:49:00.009-05:002010-02-24T23:03:40.563-05:00

I have a new obsession...It's finding free workouts on the Internet. You run across some of the most interesting things on YouTube. I am trying to integrate tiny workouts throughout my day. I found this workout and tried it today. Great workout. My arms are still hurting. I may eventually buy the DVD, but for now, I am using the free workout to see what results I get. Your health is a priceless

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-8359862754026072252010-02-23T22:58:00.008-05:002010-02-24T09:10:42.458-05:00

Eating foods such as fruits and veggies, lean protein, and healthy carbohydrates are vital to being healthy and fit. Here are six ways to get your healthy foods on a tight budget. 1. Fruits and Veggies - Fruits and veggies can get very expensive. The key to getting these types of foods on a tight budget is to buy fruits and veggies in season. This means you don't buy tomatoes in the winter. For a

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-29116095656494610172010-02-22T22:30:00.006-05:002010-02-22T22:40:12.589-05:00

To get a different result, you must change what you are doing. Have you been doing the same thing over and over with your money and expecting a different result? Try making one small change. Save $100. Spend $100. Give $100 to charity. Keep a $100 bill in your wallet. Do something different and see the results of that.

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-49604236748581652422010-02-21T13:08:00.004-05:002010-02-21T13:20:40.035-05:00

I love macaroni and cheese. I usually buy the Kraft Mac and Cheese at the store because it’s the easiest and cheapest to make. Sometimes, it goes on sale, and you can get these boxes for less than 25 cents each. In those cases, it may be a good idea to have some variations of this dish to make it more health for you and your family. Try these ideas below and reap the benefits of a cheap, budget

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-64895901840356294422010-02-20T20:15:00.016-05:002010-02-20T20:47:18.048-05:00

In these hard economic times, many people are opting out of eating out. However, for some people, this is their only occasion to eat with other people. Yes, I am talking about singles. I have no intentions of cutting this habit. So, in the spirit of eating out, here are 7 great ways to save money and still enjoy your favorite restaurants.1. Eat dinner before you go out. I know this sounds crazy

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-89638076322029883832010-02-19T09:03:00.003-05:002010-02-19T09:13:25.428-05:00

One of the main reasons I procrastinate on my taxes every year is because I am fearful that I will incorrectly complete my taxes and be audited. Let's be real. Most of us have a healthy fear of the IRS. Well, this year, my fear is legitimate. According to CNN Money.com reporter Blake Ellis, the Obama administration has set aside 8.2 billion dollars to ensure you and I do our taxes right. These

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-41799373631464334672010-02-18T16:19:00.007-05:002010-02-18T17:05:55.384-05:00

So, last night I went to a "home party" that one of my friends had invited me to a couple of weeks ago. I told my friend at the time the invite was given that I did not desire to spend any money. She said, "come anyway, just enjoy yourself, and you don't have to buy anything." This was easier said than done. However, I am happy to say that I DID IT!After the demonstration at the party and after

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com2tag:blogger.com,1999:blog-2084383766537045617.post-15983616088879756022010-02-17T08:25:00.004-05:002010-02-17T08:32:25.121-05:00

Restaurants know how stressed out people get over taxes. To alleviate the stress of the tax deadline day, some of your favorite restaurants are offering free food to its customers. So, instead of worrying about cooking, you can focus all your intellectual energy on the complexities of deductions and tax codes.Get all the goodness at USA Today.

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-53732321609921021932010-02-09T13:48:00.006-05:002010-02-09T14:05:22.044-05:00

Today, I have decided to do a little experiment regarding the power of numbers. I like eBay and the ability to list useless junk and receive a profit from it. So, today, I am challenging you and myself to list 100 items on eBay. Before you gasp with disbelief and say I don't have 100 items to sell...take a look at the guidelines for this experiment. I have been trying to prove to individuals

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-83458909784942903402010-02-03T11:14:00.007-05:002010-02-18T17:54:39.399-05:00

I was going for my afternoon latte at Starbucks and heard a crazy, weird story on the radio. This guy decided to live in his van and go to school for his graduate degree at the same time. His goal? Get through school without accruing new debt and pay off his existing $32,000 debt. He was parking his van in the different lots at Duke University and taking showers at the gym. In fact, he is still

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-30884106983301531142009-12-31T10:02:00.000-05:002009-12-31T10:02:07.143-05:00

I do not know all the details of Warren Buffett's life, but I do know some things that seem to stand out to me as a financial counselor. We can learn many things about how to live financially responsible from the second richest man in the world. 1. He still lives in the first house he purchased. After all the money this man has made, he still lives in the first house he bought which was

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-41969560637057513942009-12-30T09:10:00.008-05:002009-12-30T09:41:03.194-05:00

So, I have a confession to make. A year ago I discovered a hidden secret to using coupons at my favorite clothing store. I will not name names as I do not want to get nasty emails from them. However, it was Thanksgiving Day 2008, and I decided to do a little online shopping. Harmless, right? My favorite clothing store was running a major sale on Thanksgiving Day, buy one get one 50% off. I also

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-47184323005691269702009-12-29T09:50:00.006-05:002009-12-31T10:06:49.780-05:00

I have been thinking about my New Year’s resolutions lately. I say, resolutions, because I always have more than one. I have recently completed the Dave Ramsey Financial Peace University course, and have decided to get “gazelle intense” as Dave refers to it in his course. In doing that, I wanted one of my resolutions to mix with the goal of saving up my emergency fund. Therefore, I decided to

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-36639925114970367042009-11-03T08:51:00.002-05:002009-11-03T09:05:46.034-05:00

Many people believe that there is some big secret to getting rich....just like there is some secret to losing weight. There is NO secret. The key to accomplishing either of these end results is automation or habit setting. If you develop a habit of exercising every day just like you brush you teeth, you will maintain a healthy weight. Depending on how much you eat, you may need to adjust how

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-90285714823195095932009-09-17T22:17:00.004-04:002009-09-17T22:51:33.954-04:00

1. SAVE - You need to save some money before you start tackling your debt. Why, you ask? It is for the simple reason that you are totally relying on your credit cards when you overextend yourself. Let's face it. None of us can stick to a budget exactly, and it's good to have some savings on the side when you get in a tight jam, like car repairs, or another spontaneous event that may put your

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-17515345391184796952009-09-07T19:27:00.005-04:002009-09-07T20:22:10.970-04:00

So everyone likes something for free, right? I know I do. So, I have compiled a list of resources of totally free stuff. That's right! No credit card, not cash, nada! Have fun!1. www.craigslist.org - Go to this site, click on the city closest to you, and type "curbside" or "free" in the search box. This should bring up a list of items that are free for pick up. This is a great place to

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-59705289319539079232009-08-26T13:42:00.002-04:002009-08-26T13:44:59.912-04:00

If you are currently struggling with a staggering amount of credit card debt, it can help to reduce your interest rates, if possible. This can assist you in paying your balance off sooner, as well as save some of your hard earned cash for the more important things such as your weekly Starbucks coffee treat.You may be surprised to know that most credit card companies offer internal hardship

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0tag:blogger.com,1999:blog-2084383766537045617.post-24912349489001164712009-08-25T17:23:00.001-04:002009-08-25T17:25:26.508-04:00

Welcome to my blog. Just a little introduction. I am a financial counselor. I am no stranger to the woes of debt. I decided to create this blog to share tips, tricks, secrets, and my own personal epiphanies of digging your way out of debt. Come join me! Isn't it time to be debt free?

The Debt Darlinghttp://www.blogger.com/profile/01862340657112336142noreply@blogger.com0