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Personal Finance Guide

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First-Time Homebuyers: 13 Steps To Buying A House For The First Time + 7 Valuable Lessons I Learned About Buying Your First House

Buying your first house is challenging, yet rewarding and well worth the effort! I just bought my very first house, and I’ve got some helpful tips for first time homebuyers. Here are the steps to buying a house for the first time, plus some valuable lessons that I learned firsthand.

How Your Debt-To-Credit Ratio Affects Your FICO Score & Home Buying Potential

All about your debt to credit limit ratio — what it means, all the ways your FICO score could affect you, and how to improve your debt to credit limit ratio and your FICO score. Plus, how to tell if you’ve got TOO much debt!

Tips For Negotiating Closing Costs When Buying A New House Or Refinancing Your Current Home

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.

Checking Accounts 101: The Best Way To Find A Bank With High Interest Checking

If you’d like to make money in the form of a high-interest yield from the money sitting in your checking account, then these tips for finding a bank that offers high interest checking are for you! Here’s how to find a bank offering high interest checking account rates right now, no matter where you live.

Easy Tips On Saving Money… Painlessly!

Believe it or not, there are quite a few ways that you can save money painlessly, and still be able to cover your basic expenses. Not only is it painless, but it’s easy!

3 Reasons Automatic Bill Pay May Not Be For You

There are some serious disadvantages to using automatic bill pay. For one, it could cost you more money in the long run! I know I’d never use it. Here’s why.

Fun Ways To Keep Track Of Your Money Online, On The Go, And At Home

Some software, spreadsheets and iPhone apps to help you manage your money – AND have fun while you’re doing it!

3 Ways To Simplify Your Investments

How to simplify your investments if you have multiple accounts.

Identity Theft Insurance – 9 Things You Need To Know Before You Buy It

Before you purchase identity theft insurance, there are a few things you should know first. Some financial institutions provide identity theft insurance for FREE. And there are other ways to protect yourself from identity theft without having to pay a thing!

Credit Card Companies Are Profiling Shoppers & Adjusting Credit Limits

There is a lot of talk in the news lately about credit card companies that are profiling shoppers and lowering credit limits based on where they shop.

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About Us

LynnetteWith input from Financial Advisors, (a Tax Accountant and an Investment Manager), I share helpful tips regarding money and finances -- including debt relief, insurance, budgeting, and investing for retirement. My goal is to help you save more, spend less, and invest for the future by sharing honest, tried & true budgeting tips and tools. When I'm not saving for the future and helping others save for theirs, you can find me at the corner of Good News & Fun Times as publisher of The Fun Times Guide (32 fun & helpful websites).

Lynnette: View My Blog Posts

AndreaI 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.

Andrea: View My Blog Posts

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