With the final hours of cyber Monday winding down and all the post thanksgiving weekend madness behind us, lets talk a bit about the holiday season ahead. If you haven’t guessed already, I try my very best to avoid sticking my nose out of the house on days that have names like Black Friday, Terrible […]

I was fortunate enough to become debt free at a relatively young age. My last loan was paid in full shortly ¬†after my 26th birthday. Now if you are really smart and maybe a little bit lucky too, you never had the ‘opportunity’ to borrow any money. In that case good for you because you […]

Even today, when I hear the word ‘frugal’, there are many negative images that instantly spring to my mind. I can’t seem to help but think about cheapness or dirtiness when someone brings it up. Just saying the word ‘fruuuu-gulll’…Uhg. Not only is it¬†barbaric sounding but it also (kinda) rhymes with dull (bOoOoOooring). A lot […]