Do You Trust Your Partner With Money? + MORE

Alright everyone, Mother’s Day is here.  This is not a typical Mother’s Day for me, because my wife is now a mother.  My son was born in December of 2012, so we won’t be just celebrating Mother’s Day with our mothers.  My wife needs to be celebrated and I want to create an awesome day for her…

I swore I was only going to have a nice dinner when it came my real birthday, but it ended up having a last minute party with no birthday budget.  I thought it was just going to be dinner at … Continue reading →The post I Need a Birthday Budget appeared first on Financial Black Sheep.

Trusting your partner seems like a fairly standard thing for a couple to do. However it is interesting how many people actually do trust their partners, especially when it comes to the joint bank account and money management. I decided to do this post today because I have recently witnessed two separate events involving spouses and money…

Researchers estimate that as many as 50% of U.S. household have credit card debt. Here are 4 tips for getting out of debt.

When students are in high school, either junior or senior, they mostly work as baby-sitters or mow lawns or work in fast-food joints over the weekend or part-time in the evening. But instead of the usual jobs, two high school seniors are running a business where they arrange and organize garage sales throughout Houston, Texas …

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Every single day, many, many blogs are started. And it seems like there are more and more new blogs in the personal finance community.
I’ve heard some people say that there are too many new blogs out there, but who cares? I LOVE reading new blogs and hearing what they have to say. Who wants to hear the same ol’ story over and over? I want new and fresh perspectives on everything!
I started my blog in August of 2011 for multiple reasons…

Welcome to the 387th Festival of Frugality. Here are some interesting posts from around the web that can help your finances. Let’s get to some of the best submissions from this week!
Martin presents How Do You Survive Financially in a Large City Without Losing Your Pants? posted at Studenomics…

The following is a post from my lovely wife – Mrs. Frugal Rules who talks about her experience marketing our business as part of my Taking the Plunge series.
At its core, marketing is about attracting and retaining a large base of satisfied clients. Marketing puts the customer on center stage and emphasizes the value of the customer to a given business…

Student Loan Debt: Why Taking Control is Essential
Club Thrifty – Stop spending. Start living.The following is a guest post by our friend Kevin Watts from Graduating from Debt. If you are interested in guest posting at Club Thrifty, please see our guest posting guidelines.
 
By the end of 2012 student loan debt in the United States had risen to almost $1 trillion…

Image: Freedigitalphotos.net
The following is a guest post from Liran Hirschkorn. If you would like to submit a guest post, please contact me.
A big perk for many employees is finding a job that offers life insurance through an employer based group plan or a similar. These policies can be great because they are often cheaper (or free) to the employee and usually don’t require a medical exam, which are added benefits if you are young, or have pre-existing conditions that would raise the cost of an individual term…

Photo: 401 (K) 2013

Living on a budget doesn’t mean eating nothing but rice and beans, turning off the heat in January, or shopping only at thrift stores. It means being in charge of your money, instead of letting your money be in charge of you.
Living on a budget has a whole lot of benefits, including:

Making you more aware of where your money is going
Helping you save on everyday expenses
Helping you pay off debt
Boosting your retirement savings
Increasing your credit score as you make on-time payments and better financial choices
Freeing up money to give to your favorite causes
Letting you set aside money for special things, like vacation
Reducing anxiety about your finances
And more

So, clearly, budgeting isn’t a bad thing…

This is a guest post by CJ over at The Great Jollyhoombah.  CJ and his wife, Tammy, went from an overworked couple to a joyous tandem…and now they blog about their incredibly simple adventures in life in a poetic fashion.  
My father made a mortifying scene at a car dealership moments before I purchased my first car…