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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.

Retirement money vs college money. As parents, we put our children’s needs & desires ahead of our own - putting money toward our kids' college education, even if it means that we're not saving for our own retirement.

Bad credit student loans aren't that difficult to come by. Here's everything you need to know about the ways to get a student loan when your credit isn't the best.

The average life expectancy of most cars is about 8 years and 150,000 miles. Here are the best tips I've found to make your car last longer than most.

I learned a lot from my parents about money. Or rather, I should say, I learned about how NOT to handle money. My plan is to NOT pass these financial disorders on to my own kids. Here are all the best tips for teaching kids about money.

Is it cheaper to pay in cash than with credit cards and with loans? Yes, but just how much cheaper is a cash payment? Here are some interesting facts to get you thinking.

Basic info about getting a secured credit card and how they're different from non-secured credit cards. Everything you need to know about secured credit cards, plus tips to determine if you really need one or not.

Do you have one credit card JUST for emergencies? Here's what really qualifies as an emergency -- what you should and should not use your credit card for.

Closing fees can range from $2,500 to $5,000... or more! Looking for tips on negotiating closing costs? Here's a list of the home closing costs that can be negotiated, and those that can't.

Do you think you can truly afford the home that you're currently living in? According to Suze Orman, chances are you cannot. Here are some of the indicators that you cannot afford your home.