Tag

Debt

5 Smart Ways To Use Your Credit Card

In Frugal, Phenomenal

Credit isn’t bad; the misuse of credit is bad.  Credit can be very dangerous in the hands of an impulse spender or a person who defines herself by her closet.  This can cause that individual to go into a lot of debt.  However, if used wisely credit can be very helpful.  Let’s face it.  Our credit score matters because we need it if we want to buy a home and we need to carry a mortgage, to apply for an apartment, and sometimes to even be considered for employment.  Instead of thinking that credit is bad, I want you to…

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Can You Survive Off of $100 a Week?

In Frugal, Phenomenal

A while ago someone asked me if I could survive off of $100 for one week I initially gasped and thought about how limiting that this would be.  Then I started to think about it and realized that it shouldn’t be that hard.  Since then, I’ve challenged myself a couple of times to get spending as low as possible even under the $100 limit.  Side note, someone recently challenged me to not spending anything for 3 days.  That was hard, but it taught me a lot.  That challenge to you all may come later.  However for now, I want to…

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3 Ways to Save Money on A Wedding Gift and Stay On Budget

In Frugal, Phenomenal

Wedding season is in full force, and if you are trying to be frugal because you don’t have the extra money to spend or you are trying to pay off debt, then this can be a scary time.  Please note, if you are a bridesmaid, then you definitely should read this article about cost saving ideas for bridesmaids. Wedding season doesn’t have to be scary if you plan ahead.  Set a total gift budget and stick to it. Look at your current and upcoming expenses and then identify what you can afford.  Typically weddings have a few events associated with…

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Episode 004: How to Maximize Your Chances for Success

In Live Phenomenal Podcast

Episode Description How often do you struggle with fear or limiting beliefs?  Do you ever think that you should be further along than you are right now?  Asha Tyson, a world-renowned success coach, stops by the Live Phenomenal Podcast to share her keys to having a successful life.  In this interview she talks about how to manage through fear, putting your best foot forward at all times, and even why being phenomenal means not spending a lot of money.  As a bonus, to help you to stop worrying about the future, she also tells us why living in the moment…

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5 Critical Questions to Ask Yourself Before You Lend Money to Someone

In Frugal, Phenomenal

Have you ever been approached by a friend or a family member who requested to borrow money from you?  Sometimes it can be a really uncomfortable situation.  I think that if someone asks to borrow money that you should proceed with caution.  According to a survey done for CouponCabin.com, money ruins 1 in 5 friendships. To help avoid ruining a friendship, one of the things that you should consider is shifting the language of the request.  Think of lending money as a gift and not a loan.  The reason is to avoid the expectation that you will get that money…

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