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Archives for December 2012

The Secret to Becoming Your Own Financial Expert

Are you an expert? Do you rely on anyone else as an expert? I was recently featured in’s 12 Days of Finance poll to find the most popular personal finance expert. I’m flattered to be listed in the poll. But it’s crazy that I would even be on the same page with any of […]

You Can’t Afford the Costs of Drunk Driving

We all know better than to drink and drive. After years of public awareness campaigns and candlelight vigils for victims of drunken driving, no one can claim ignorance of the fact that driving drunk is dangerous and illegal. And yet, according the CDC, there are 112 million incidents of drinking and driving annually—which means people […]

5 Fun and Free Places to Visit During the Christmas Season

Do you go anywhere else besides the mall this time of year? Make sure you take time to see some of these fun and free places to visit during the Christmas season. 1. That Neighborhood with All the Lights – Some of the best Christmastime entertainment I can offer my two little ones is simply […]

What NOT To Do At the End of the World

You can hardly have missed the hubbub over the supposed end of the world coming on Friday, December 21, 2012. This date is the end of the Mayan calendar, representing the last day of the 13th b’ak’tun. (A b’ak’tun is a period of time equaling approximately 394 years, and 13 of them equal roughly 5,215 […]

6 Steps to Help Stop the Cycle of Debt

Debt is a vicious cycle, and once you’re stuck, it’s very difficult to get out. I learned this the hard way when I woke up and realized I was $150,000 in debt, constantly worried about money and was only 23 years old. That’s not the best way to start out your adult life! My American […]

Protecting Yourself From Identity Theft Doesn’t Have to Cost an Arm and a Leg

Let’s get the bad news out of the way: no person, action, service, or product can prevent identity theft. The fact of the matter is that identity thieves can and will find victims. According to John Ulzheimer, President of Consumer Education at, protecting yourself from identity theft is like trying to outrun a mountain […]

How to Pay for College if You Started Saving Too Late

I was talking with a friend the other day and she mentioned that I have a lot of good information on PT Money aimed at new parents who would like to help their kids save for college. She said, however, that she was interested in my opinion on what I would do if I were […]

Short on Funds? Volunteer Your Time with Habitat for Humanity

This past weekend I volunteered to help out with a Habitat for Humanity home build. I loved this opportunity. It gave me a chance to work with my hands and contribute more than just money. Not that Habitat doesn’t need monetary donations. But I appreciated the fact that Habitat provides a way for people to […]

Have You Considered [the Cost of] Adoption?

Having children is an expensive prospect. A recent USDA study calculated that it will cost new parents $235,000 to raise children from birth to age 18—and that figure does not include college costs. Unfortunately, that number will be even higher for those who become parents through adoption. Prospective parents may realize that there is a […]