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    The TRUE COST of buying a new home 

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    wannabedebtfree
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    Published on 06-10-2018 11:51 AM
    1. Categories:
    2. Budgeting

    The TRUE COST of buying a new home

    You found the home that interests you. You want to see the property and possibly make an offer. Now what?

    Do not just pick any realtor. Talk to friends and family who have bought and sold homes. Who do they recommend and why? Remember, realtors, are paid by commission. Does this realtor have ...
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    What Steps To Take When A Family Member Dies/Is Dying 

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    wannabedebtfree
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    Published on 05-31-2018 08:35 PM
    1. Categories:
    2. Budgeting

    What Steps To Take When A Family Member Dies/Is Dying


    1. Try to plan everything in advance if possible. Grief makes dealing with loss hell. When my dad was told that he had 3 months to live, I went to the funeral home and planned everything beforehand.

    2. Try to get siblings on the same page. Family ...
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    Writing an Investment Policy Statement – IPS 

    by
    sandrark
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    Published on 04-18-2016 08:05 AM

    Many members of the DFF board ask “how to get started” on Baby Step 4. They think that they must have multiple college degrees ...
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    Put that Dining Out Dollar to Work 

    by
    KVinKC
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    Published on 03-07-2016 08:32 AM

    Everyone is busy and most family cooks find it daunting to produce three meals a day. With a full-time career, I end up spending a lot of time on weekends prepping and preparing food to be available for brown bag lunches and for quick meals on busy evenings. I confess that we end up eating out more than I care to admit. I just prefer to be served than to be the server. I also get tired of my own cooking. Once I accepted that eating out is part of our "normal," I decided to focus on eating out for less. Here are some of my tricks. Feel free to add your tricks too.

    Discount/Free Gift Cards
    Discount ...
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    Saving is Not One-Size-Fits-All 

    by
    spoiled_lil_boy
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    Published on 02-29-2016 08:38 AM
    1. Categories:
    2. Budgeting

    Saving is a fundamental part of the Baby Steps. That may sound counterintuitive for a program intending to eliminate debt ...
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    What to Do When a Debt Collector Contacts You 

    by
    hefty244
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    Published on 02-17-2016 10:33 AM

    When you are behind on your debt payments, every ring of the phone can fill you with dread. While there is no magic wand to make your debt disappear, there are some steps you can take to protect your rights when dealing with a debt collector.

    The Fair Debt Collection Practices Act (FDCPA) enforced by the Federal Trade Commission regulates debt collectors. Certain behaviors are not allowed under FDCPA. A debt collector ...
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    My Journey to Debt Freedom 

    by
    cwilli26
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    Published on 02-08-2016 09:11 AM
    1. Categories:
    2. Success Stories

    This is our BS1 to BS7 story previously shared in the old forums. I was forced to recreate it from scratch and have taken this opportunity to provide more detail and move the story forward from where it “ended” in the original version.

    The purpose of telling our story is to inspire others.

    We started our Total Money Make Over with our first budget on December 1, 2008, but I feel like I should provide a little background so you’ll know where we were coming from.

    Until 2006, I was working for the same automotive finance company that I had started with out of college in 1991. In August ...
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    My Secret Envelope - Selling Your Stuff 

    by
    KVinKC
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    Published on 01-25-2016 11:01 AM

    I have a secret envelope, and it is hidden in a special place. At one point last year, this envelope had $2,500 in it. The money that goes into it does not come from a paycheck or tips from a part time job. The money in this secret envelope comes from selling items we no longer need around the house.

    This envelope is my envelope. I get to choose where to spend the money. It has funded some really nice things ...
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    Clean Like Grandma Did 

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    KVinKC
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    Published on 12-14-2015 06:31 PM
    1. Categories:
    2. Budgeting

    Cleaning supplies have gotten very fancy, convenient, and disposable. In spite of that, I still don't enjoy cleaning. It got me wondering why I was spending so much of our budget on these fancy items when it really did ...
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    Mommas don't let your babies grow up to be Greebos 

    by
    EvilGreebo
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    Published on 11-17-2015 08:00 AM
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    2. Cautionary Tales

    I want to share a cautionary tale to all the parents out there who are sheltering their children from choices, that sooner or later, they will have to face, and even more so, from the consequences of those choices. This cautionary tale is mine.

    My parents never made a lot of money, but they were both post-Depression children, born in the 1940's. They lived on very little growing up. My paternal grandparents lost a house in the 30's, during the height of the depression. My maternal grandparents ...
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