Five Ways to Get Car Loan With Bad Credit & No Money Down + MORE

Since I’m still out of town and really don’t want to be too serious on a Friday, I thought I’d share our experience from the birthday party we had for our six year old last week. We decided to have it at the bowling alley, mainly because I though it would be easy, and we’d have no cleanup…

When most people think about someone that wants to live without money, they think of living in a cave, alone and away from civilization.  In reality there are lots of ways to live without money and many people who have … Continue reading →The post Live Without Money. Could you Do It? appeared first on Financial Black Sheep…

Happy Friday Dinks.  We are now into April and you know what they say “April showers bring May flowers”. I don’t mind the rain because it’s better than snow.  I actually like the rain, it’s almost as if it washes everything away and we can look forward to a new beginning – biblical I know, but that’s how I feel…

I was recently introduced to an online game called SPENT whose purpose is to educate people about what life is like for the 4.4 million Americans whose income is at or below the Federal minimum wage of $7.25/hour.
SPENT was created in 2011 by the Urban Ministries of Durham to paint a picture of life at the bottom of the wage scale…

One of the benefits of living in a somewhat affluent neighborhood is there are a lot of rich folks throwing away nice stuff.  Seriously, I’ll risk sounding like a dumpster diver or extreme cheapskate  (have you seen that show? Wow, nobody can ever call me cheap after that!) because one of my favorite places to find great stuff is in the garbage…

If you do much reading about personal finance, you will inevitably run across broader economic issues.  No matter how much you might wish to limit yourself to individual finances, the economy at large will have some effect on your reading, if only when national and international economics start to affect your financial situation…

Approving a car loan with bad credit and cash down might not be a cakewalk, but it is very much possible. You might have to engage in a lot of research, negotiate with a lot of dealers but ultimately you will be successful and happy to see that your credit score has increased. Firstly, stop … Continue Reading »

I Just Wrote a Check for $8,700
Club Thrifty – Stop spending. Start living.Yep, you read that right. I just wrote a check for $8,700….and it hurt….a little.  Luckily, it wasn’t for a used Ford Focus or a set of breast implants.  The check I wrote was toward our mortgage, and I think it is the biggest payment we have ever made…

Photo: SalFalko
If you’re shopping for term life insurance, two important considerations are how much coverage you need and how long your term should be. While many people folks on the amount of coverage, the length of the policy is an incredibly important factor. After all, the term part is the reason you’re getting term rather than permanent life insurance…

 
Motivation… this can be one of the toughest things to get back once you’ve lost it.  You can be motivated (or not motivated) to do pretty much anything, but this article will discuss how you can stay motivated when it comes to sticking to a budget and paying down debt.
 
Budgets and paying down debt are generally not very fun…

Happy Friday everyone! About a month back I wrote a post called You Bought That at Walmart and it touched a nerve with many readers. In fact, it is one of the highest commented blog posts on Frugal Rules as well as one of the most shared socially. I know that I am not alone in my disdain for Walmart as my good friends Greg and Holly also wrote of their hate towards Walmart a few weeks ago…

Happy Friday my fellow debt destroyers.  I hope all of you have had a wonderful week.  As I indicated last week, this will be my recurring Friday post about something that made me feel good.  There might be times where I am writing about things that might not cheer you up, but that is the nature of debt and money…

Photo Credit
Have you ever seen any of those “crazy” couponing TV shows? Do you have a friend that coupons religiously? I have a coworker who does and when you listen to him talk, you walk away surprised by how passionate someone can be about it. Coupons and discounting motivates people, especially when they’re facing financial hardship…

Big week this week!

First, I moved this site over to my new VPS hosting. I personally think it loads far faster, but I will wait a few days and see what Google thinks in my analytics account. Next thing on the blog agenda is potentially changing my theme to one that loads a bit faster. My wife and I both recently started new blogs and so we also purchased the pro pack of genesis themes, so we have plenty of great themes to choose from…

This is a guest post from +Ryan Eisenhower, who is an affiliate marketer, blogger, consultant, and business owner. He built Manifest Income with his two partners, a forum for entrepreneur education and mentorship which drives success, every day. For a limited time they are providing free 30-minute ‘Hot Seat’ business reviews and 90 days in their forum at no cost to entrepreneurs…

Last Friday was a very exciting milestone for my wife and I.  We made our 45th payment to our Debt Management Program, but more importantly according to the tracker tool we have 12 payments left.  Which means a year from now we will be DONE with our DMP, and will have paid off $109,000 of credit card debt…

Continuing with my goal of financial transparency, I’m posting my portfolio as it is at the beginning of April of 2013.

Under the portfolio tab above is where I am keeping a more or less current list of my positions.  The below is where my portfolio stands as of April 1, 2013.
 
2013 Portfolio Value as of:

January 1st: $91,567…

Opportunities can present themselves at not so opportune times. If you don’t have the means to take advantage of an opportunity you could hurt yourself by trying to take advantage and incurring debt to do so. If you go into debt trying to save some money it will very likely defeat the purpose…