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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.

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)

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

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.

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.

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.

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

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.

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.

find-a-roommate

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.