Blog Posts

  1. Hi

    2/19/2016 2:45:00 AM

    salutations http://firankiarachne.pl/tone.php?wouldnt=fgt1g2qcss61hvm7 mzkindra@yahoo.com ...

  2. Car Buying: Stressful...yet surprisingly rewarding

    6/23/2015 6:58:00 PM

    Are you in the market for buying a vehicle?  I recently found myself in the predicament of having to navigate the often very stressful and intimidating world of car shopping, only to come out on the other side empowered, educated, and confident in my decision. Tip # 1:  Although it is not always a possibility, try to start looking before you are in desperation mode.  Car buying negotiation ...

  3. My Money Smart Challenge

    2/17/2014 10:12:00 PM

    I have completed the first three modules of FDIC's Money Smart financial literacy curriculum! Honestly, I thought these courses would be informative yet easy. I was highly mistaken. At the beginning of each module I was asked a series of questions to test my knowledge. I never passed a pre-test. Here are some I missed: Which of the following is an example of a secured loan? a. Home loans and ...

  4. My Asset Poverty Status

    11/1/2013 5:08:00 PM

    I recently had the opportunity to attend a conference entitled Pathways to Prosperity: Integrating Asset-Building throughout Communities. It was here that a term I had never before heard was being thrown around, asset poverty. Being a contradictory set of words I was instantly confused until I learned the meaning. “A family can be defined as asset poor if it has insufficient net worth to support ...

  5. Smart Phone on a Tight Budget: Doable

    7/10/2013 3:25:00 PM

    Well, I did it. I went against everything I had said previously, my declaration to society, and a promise made to myself to wait until I paid off my student loan. I got an iPhone. Allow me to explain. I have wanted a smart phone for a really long time, and particularly an iPhone. I didn’t care whether it was the 4, the 4S, or the 5. I just wanted to be able to look stuff up on Google ...

  6. February Spending Diet

    4/19/2013 6:02:00 PM

    As I wind down my first month on The Spending Diet, I can’t help but feel at least particularly happy with my financial progress and grasp on my money situation. I honestly thought I had it all figured out before now, but it turns out I didn’t. In fact, I still don’t have it all figured out, as budgeting, saving, and cutting costs will always produce new tips for me to learn. Well, here goes; ...

  7. College Application Deadlines and Fees for UNC Schools

    2/4/2013 5:05:00 PM

    Interested in going to college this fall? Check out these deadlines for four-year public universities to make sure you have the best chance of getting accepted: University Application Deadline Application Fee Appalachain State University February 1, March 15 $55 East Carolina University March 15 $70 ...

  8. Post-College Financial Lessons

    1/31/2013 8:40:00 PM

    My post-grad experience has been typical of many of my friends, complete with college debt, no money, and certainly no money to jump into being able to pay for an apartment or put a down payment on a house. My friends and I share our experience with thousands, of college grads all over the United States who are living at home to save money and pay off any debt before really settling down. ...

  9. The Spending Diet: Challenge Accepted

    1/31/2013 8:37:00 PM

    I like to be honest when I blog because I when I read other people’s writing, I like to be able to either relate, or not relate. For instance, someone who makes tons of money and lives debt free might not get as much from the blogs I write compared to the low-moderate income person who is trying to pay down debt. We are all different, and when it comes to making life better and easier for us, ...

  10. Marriage and Money

    1/24/2013 8:01:00 PM

    When it comes time to find that special someone to share your life with, we all kind of know what we are looking for. Some people want someone fun and kind, who wants kids, and has similar religious and political views. Other people might be looking for someone who loves music, hates the mountains, but likes cooking and movies. It comes as no surprise that we want someone compatible, which is ...

  11. What should parents pay for?

    1/15/2013 6:36:00 PM

    When I was little, I rarely bought anything at all. I’d collect my money in a little tin box and only take it out when I was desperate. And rarely was I desperate. I’d want this or that so I would try to convince my mom to buy it so I wouldn’t have to spend the precious cash I had been saving for so long. When she said no and that I could buy it with my own money, I was usually immediately ...

  12. Smart Phones on a Tight Budget: Good or Bad Idea

    1/8/2013 9:07:00 PM

    I have iPhone fever. For months now, I have agonized over whether to upgrade my flip phone when my contract ends (which ended this past October), or use my current phone until it dies, then try to revive it and use it again. I have talked about my small budget in previous posts, and that, accompanied with my student loan debt, truly has no room for luxuries like a smart phone which would add $ ...

  13. Generation Y Not: Day 3

    12/20/2012 4:39:00 PM

    Continued from December 14 and 17 post on why Generation Y isn't as bad as society claims. We spent our lives being told we can do anything, so why not let us prove it? I grew up in an era in which all people, no matter what their abilities may be, were celebrated. “Everyone is a winner” is what I hear most people refer to it as, usually while scoffing. The reality is that people don’t like ...

  14. Generation Y Not: Day 2

    12/17/2012 8:23:00 PM

    Continued from December 14 post on why Generation Y isn't as bad as society claims. We embrace change. I’ve heard and read complaints about millennials who thrive on an ever-changing atmosphere complete with multiple job changes, spouse changes, changes in tradition, culture, and communication. We graduate college and we want to revolutionize, which often ends up changing the structure that ...

  15. Generation Y Not: Different, Not Wrong

    12/14/2012 9:15:00 PM

    As a member of Generation Y, or the generation commonly referred to as “millennials,” I am fascinated by the facts, statistics, and general descriptions that surface about our “type.” Known for being the “Entitled Generation,” individuals born after 1980 and currently entering the workforce have developed a reputation for overspending, irresponsibility, and lack of work ethic. Just type “ ...

  16. Money Saving Tips for People With a Low Income

    12/14/2012 8:09:00 PM

    If you are like me, it can be difficult to manage a budget when you have student loans and other financial obligations to worry about. A part of my experience as a Volunteer In Service to America is  to live in poverty, according to the region I am serving, for a year. Our goal as asset builders is to fight poverty by helping people become financially literate and save money to create a ...

  17. Holiday Shopping 2012 Predictions

    10/8/2012 3:01:00 PM

     Interested in knowing what is in store for the 2012 holiday shopping season? Check out these interesting predictions to plan your shopping. Overall Holiday sales will rise modestly – Holiday sales will rise from 3.5% to 4% this season, with total sales rising from $920 billion to $925 billion. “Non-store” sales will rise – Non-store sales, which consists of catalogs, tv ...

  18. What to buy in October

    10/8/2012 3:00:00 PM

     With all the hustle and bustle right between back-to-school shopping, Halloween, Thanksgiving, and Christmas, it is difficult to know if consumers are getting the best bang for their buck. Check out this list by Mark Di Vincenzo from TIME’s Moneyland before you make a purchase this October: Shop Online – The weekend before Halloween has the best deals on clothes and electronics, with ...

  19. No Funds From Students, No Funds From State

    8/29/2012 7:03:00 PM

    The reduction in state funding for education has caused economic turmoil for many students who depend on fixed tuition and enough money from loans and grants to provide adequate resources to pay for school, according to Lisa O’Donnell’s article in the Winston-Salem Journal titled N.C. colleges see jump in cancellations. The reduced state funding allowed universities to increase their ...

  20. Experience is the Key to Job Opportunity

    8/27/2012 4:01:00 PM

    With all the school and certification required to practice law, law school students as well as the general public would think passing the bar exam would be the only barrier standing between an indebted law student and a successful life in the law firm defending their clients. According to Catherine Carlock’s article found in the Winston-Salem Journal on job status for law graduates, the American ...

  21. Saving for College vs. Saving for Retirement

    8/20/2012 8:12:00 PM

    Let’s hear from the experts: The stress of paying for college has parents questioning which is more important: saving for retirement or paying for their child’s education. Although both are important investments for the future, ING Retirement Coach Jacob Gold suggests that dipping into retirement funds is not a financially healthy way to go in order to pay for college. College is ...

  22. Don't Pay For Cut Produce - Cut Cost Instead

    8/15/2012 5:53:00 PM

    20 helpful tips to save money at the grocery store courtesy of the Huffington Post Interested in learning ways to cut costs at the grocery store? The Huffington Post offers these 20 helpful tips to prevent overspending and still get the foods you need:     1.   Grocery stores put essentials such as milk and other dairy products at the opposite ends of the           store. Try to avoid ...

  23. The "Money Talk"

    8/9/2012 9:02:00 PM

    If you have a child getting ready to head off to college, there may be a talk you still need to have… the “money talk.” Financial planning is probably not the first thing on a college freshman’s mind, but that doesn’t lessen its importance. It is essential that incoming college freshman understand money management, credit, and budgets because financial mistakes made during college can take ...

  24. Consumer Financial Protection Bureau to Supervise Credit Bureaus

    8/6/2012 8:19:00 PM

    The Consumer Financial Protection Bureau recently adopted a rule to begin supervising larger consumer reporting agencies, which include what are commonly known as credit bureaus and credit reporting companies. The rule will become effective September 30, 2012. CFPB Director Richard Cordray said:       “Credit Reporting is at the heart of our lending systems and enables many of us to get ...

  25. How Different Classes Spend Their Money

    8/1/2012 6:54:00 PM

    The following is a very interesting graphic shared by NPR Planet Money. It illustrates how Americans spend their money and how budgets change across the income spectrum. The graph shows average household spending patterns in three income brackets- just below the poverty line, at the middle of the income distribution, and one at the top of income distribution.  There are some similarities. For ...