Articles By:

Andrea Hermitt

I have been a certified tightwad striving for financial freedom since I became pregnant with my first child -- and I decided to find a way to stay home with him full-time. I enjoy sharing my personal experiences in my journey back to financial health and planning for a future -- which will include sending 2 kids to college and early retirement.

How much does a toddler cost per month? Per Year?

A list of the annual expenses you're most likely to encounter when raising a toddler from age 2 to 4. (child care, toys, clothes, food, medical care)

Alternatives To Becoming Homeless: 7 Housing Options That Will Save You Money

Many have found ways to avoid homelessness just in the nick of time. You may have to give up your house, but you DON'T have to become homeless! 7 good ideas

College Is Expensive: How To Get Your Money’s Worth

After you've determined how you're going to pay for college and then you actually start your college education, here's how to get the biggest bang for your buck from the time that you spend there.

8 Things You Can Do To Lower College Expenses

Here are 8 things you can do to lower your college expenses including: applying to free colleges, taking college courses in high school, starting at a community college, starting with online courses, testing out of some classes, living off campus, living with your parents, renting text books.

Prevent Identity Theft By Shredding – What To Shred, What To Keep & How To Choose A Shredder

It's NOT illegal for people to go through your trash - so you need to shred everything that has personal information on it to prevent identity theft. Here's what to shred & what to keep.

When A Loved One Can’t Or Won’t Manage Their Money

Here are some things you can do when dealing with a loved one who cannot or will not manage their money.

Got High Debts? Is Bankruptcy The Answer? See What Filing For Bankruptcy Will & Won’t Do For You

To eliminate debt, filing for bankruptcy might seem like the answer. Bankruptcy isn't always a fresh start. It's an easy way out with potential future problems in return. Here are some issues you might face after filing bankruptcy.

Parents: Can’t Afford To Send Your Student To College? Here Are 8 Options You May Not Have Thought Of

Paying for college can seem like the most unattainable task ever. Claiming unused federal funds and applying for grants are just 2 ways to pay for college. And I've got 6 more.

Should You Find A Roommate To Save On Housing Costs?

Roommates can make a lot of things easier including paying your monthly house payment! However, roommates aren't for everyone. Here are some things to think about before you find a roommate.