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.

Debt Support Groups Help You Get Out Of Debt Faster

Perhaps it's time to start talking about money. It's time to stop letting shame and inadequacy keep us from being real and honest about money and finances. Here's what I've learned about debt support groups, including how to find online support groups as well as local debt support groups in your area.

How To Pay Off Old Bills While Raising Your Credit Score Using The ‘Pay For Delete’ Method

Here's how to pay off your bills and boost your credit score at the same time... there is a little-known way to do this. It's called the 'pay for delete' method of paying off debts.

How The Mortgage Collapse and Government Bailouts Will Affect You

If the government can bail out AIG, why aren't everyone's debts also canceled? That's a good question, but is it a good idea? Here's what you need to know about the latest mortgage crisis and how these government bailouts will affect you.

Do You Need A Financial Planner? Here’s How To Tell & What To Look For In A Financial Planner

While many people may be perfectly capable of managing their own finances, they may not be educated in all aspects, or may not have the time to keep an eye on their money and financial plans. That's when hiring a financial planner makes the most sense.

What Are John McCain’s Plans For The Economy?

A review of presidential nominee Senator John McCain's plans for the economy.

What Are Barack Obama’s Plans For The Economy?

John McCain says Barack Obama will raise taxes for everyone. Barack Obama says John McCain will give the rich tax cuts while cutting needed services. McCain accuses Obama of giving government hand-outs. Obama accuses McCain of not being in touch. Aside from the accusations, where do the presidential nominees stand on the economy? Following is a summary of Barack Obama's plans for the future, as well as his past actions to improve the economy.

Consumer Credit Counseling Service: Can Credit Counselors Really Help You Get Out Of Debt?

Credit counselors help consumers manage -- and ultimately lower -- their debt. They promise to negotiate with debtors, create payment plans, and lower the interest rates of people in debt. Their ultimate goal is to eliminate your debt. Credit counseling can be good... so good, it's even mandatory in some situations -- like before you can file for bankruptcy.

Monthly Budget Experiment: How Much Money Do YOU Need To Get Through A Month?

At what point is monthly budgeting a means of saving and planning for the future, as opposed to a means for survival?

Teen Money: Teaching Teens to Be Thrifty

Since most people start giving their children more financial responsibilities in their teen years, it makes sense to teach them a thing or two about spending wisely, as well. Here are a couple of quick and easy tips that your teen will understand.

What If Your Spouse Died Today? Are You Ready?

Of course, no one is ready for their spouse to die. But it may happen unexpectedly one day. And you should do your best to be prepared in the event that it does. Here are the best tips for making sure that you're able to pay for the funeral, while at the same time keep your head above the water -- financially.

Playing The Home Market: Buying A New House And Bailing On The Old

These days, people playing the home market in a way that is very similar to playing the stock market. Here' how it works, and what you need to know if you're considering buying a new home and bailing out on your old home.

Investing In The Stock Market – Advice For Beginners

Wondering how to invest in the stock market for the first time? Afraid of investment frauds? If you think that playing the stock market is out of your reach because you just don't understand how to do it, then you're not alone. Trust me. Here are some tips for investing in the stock market safely and wisely.

IMPORTANT: Do You Know The Difference Between A FACO Score (Or FAKO Score) vs A FICO Score?

Some companies look at FACO scores rather than FICO scores, but most use a FICO score. If you're paying for a credit report to learn what your credit score it, make sure you're getting a FICO score! Here's the scoop...

Debt Collection Help: Tips For Dealing With Debt Collectors & Debt Collection Agencies

If you're looking for some debt collection help, including tips for dealing with debt collectors who are harassing you, start here. These tips will help put an end to all the phone calls from debt collection agencies, and put you back in control of your past-due bills.

Choosing Between A High Credit Score And Being Debt Free

Here's why it's worth it to let your credit score suffer a bit while you dig yourself out from under the weight of too much debt. It's best to worry about your credit score later.

Health Insurance: If You Don’t Pay For It Now, You Will Pay Dearly For It Later

If you're not paying for health insurance right now -- because you can't afford it. Trust me, you will pay dearly for it later -- when you DO need it. Health insurance is an unavoidable expense that must be worked into your monthly bills and expenses. It's unavoidable. Here's why...

Should You Bundle Your Utilities Or Not? I Did…

I have finally come to the realization that bundling my utilities would also save me a great deal of money. Since each different utility service is fighting for our bundled services, I feel a bit fairly secure that if I don't like the way I am treated by one company, I can always move to another.

Can You Really Get A Credit Report For Free?

I started hearing reports that FreeCreditReport.com is not as free as the commercials say. So I decided to investigate the claims for myself. According to the Federal Trade Commission, there is only ONE true way to get a free credit report...

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