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.

Buying A New Car? 6 Reasons To Pay Cash Rather Than Financing Your Next Vehicle

Here are my best tips when you buy cars for cash, rather than financing. There are certain benefits to consider when you choose to pay cash for used cars and new cars. Here they are...

Financial Literacy Programs Help Kids & Others Learn To Be Responsible With Money

Do you realize that the average high school graduate lacks the basic skills needed to manage his or her own personal finances? In fact, most children tend to learn all of their parents' bad financial habits and none of the good. Fortunately, there is hope...

Do You Really Need A Home Phone?

With the popularity of cell phones and Internet sites that allow you to talk online, it is likely that home phones may go the way of street corner pay phones soon. When it comes right down to it, home phones are really no more necessary than pay phones. Plus, home phones can easily cost a family $100 or more a month!

Why Parents Should Consider Moving In With Their Adult Children

I recently wrote about how adult kids living with mom and dad can put a drain on the parents' retirement. But if you turn the situation around, it could actually be quite advantageous. Extended families are good for finances...

Is It True That You’re Throwing Away Money If You Rent vs Own Your Home?

There are many advantages to paying a mortgage over paying rent. Still, renting a home is not exactly a waste of your money. Here are some interesting facts regarding renting vs owning a home.

Get Ready For Next Year’s Taxes… NOW!

Now that Tax Season is over and you have (hopefully) completed your tax returns and put them behind you, here are some things you can do to make the next tax season even easier. Things to do WAY before April 15th...

Series I Savings Bonds Reach An All New Low

Are there any incentives to purchase savings bonds right now? While I-Series savings bonds are less desirable today than they were just a month ago, there are still reasons you may want to purchase savings bonds at this time. Here's what you need to know about Series I bonds.

Your Dishwasher Can Actually Save You Money!

Measuring one method of doing dishes against another, dishwashers cost less and get your dishes cleaner than hand-washing alone. Here are some other things you can do to save money while using the dishwasher to clean your dishes...

How To Stop Paying Your Bills Late And Start Paying Your Bills On Time

Catching up on your bills may not be easy -- especially if you are chronically behind -- but with a few months of sacrifice, you could get your payments on track and increase the amount of money you can spend on yourself. Here are some tips you can use to start paying your bills on time...

If You’re Living With Your Parents Now, It Will Cost You Later

A large number of Generation Y is still living at home with mom and dad, in an effort to save for the future. While this means these adult kids will have more money in their bank accounts to buy a home and start a family, it also puts a strain on Mom and Dad's savings. And they still have their OWN future to plan for.

Inflation Can Be A Good Thing …When It Comes To Savings Bonds

Can inflation actually pay off for us? Yep, here's how. According to financial guru Clark Howard, you should purchase savings bonds. Say what?!

What Happens To Your Mortgage (Or Your Car) If You Die?

If you die, will the bank be willing to do business with your spouse? Will he or she have to move? Will the bank foreclose on your home? These are things you need to consider when purchasing a new home. The fact of the matter is, you should consider purchasing life insurance to protect your mortgage. Here's why...

Do You Need A Health Savings Account?

My family used a Health Savings Account one year. Here are some thoughts about HSAs...

Tips Before You Switch From A One-Income Family To A 2-Income Family

Before you take that job and become a two-income household, rather than a one-income one, read this first.

Watch Out… They Are Out To Get Your Tax Rebate Check!

Marketers are seeing dollar signs, and they are pulling no punches with ideas on how you can spend your government stimulus check. Here's what to watch for, so you don't get taken by someone telling you how to spend your tax rebate check.

Is The Bad Economy Making You Stingy?

With Americans rallying to save more and spend less, charities and religious organizations are actually suffering. Charities need goods and money in order to help people in the community. But what can we do? Especially when we are just treading water ourselves. Here are some ideas...

Easy Ways To Make Decisions About Spending Money

For many people, shopping for themselves can bring on feelings of guilt, anxiety, and doubt. However, the process of deciding what to buy this month, and what can wait until next month does not have to be so hard.

How To Decorate Your Walls… On The Cheap

Just because you don't have a lot of money to spend on home decorations doesn't mean your walls have to be plain and boring. There are many fun and easy ways to decorate on the cheap. Here are some things ideas...

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