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.

In Debt? Don’t Worry Be Happy

Here's how to create the world's simplest budget... One that's guaranteed to get you out of a desperate financial situation and make you happy for a change!

Should You Change Banks?

Best Bank is a new bank that has partnered with Kroger and other grocery stores. They are currently offering many free services that USED to be free at other banks. In addition to good banking practices, they have joined forces with the supermarket to offer customers cash back on groceries purchased at Kroger, as well as at other participating stores.

Let’s See… Cash, Cash, or Cash?

For most of my adult life, I refused to carry cash. Recently, I've had a change of heart. Here's why I think paying with cash is the best way to go -- most of the time.

How To Use The Cash Envelope System For Savings

Some tips for using Dave Ramsey's Cash Envelope System when you're budgeting your bills for the month. Finally, you'll have a handle on how much you can spend, and how much you need to save to get through each month.

Reasons To Pay Off Your Home Loan

I completely agree with Suze Orman when she says it's better to pay off your home loan early. Here's why...

Making Ends Meet: Tips For Getting Through A Rough Spot

Some great tips for stretching a dollar and getting by when times are tough.

A Word Of Advice Before You Ride That Coupon Train…

Coupon trains are when a group of people gets together in an effort to share discount store coupons. The 1st person -- the conductor -- cuts all coupons from the paper and takes what they need. They pass the other unwanted coupons to the 2nd person who takes what they need from the coupons and then adds their unwanted coupons to the pack... and so on. But are coupon trains legal?

Are Title Loans and Pawn Shops Worth It When You Need Fast Cash?

Title Loans and Pawn Shops... there are other ways to get money fast, you know!

Buying A New Home?… Is Your Realtor Steering You Wrong?

Are you REALLY ready to buy a new home? Are you buying more house than you can actually afford? Are your friends and Realtor trying to convince you to buy more than you need? Don't dig yourself into a hole... Here are a few things to think about before you sign on the dotted line.

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