Organizing Those Home Appliance Manuals

Appliance manuals, home warranty cards, receipts, furniture warranties and even extra parts! Can you organize appliance manuals? Of course you can! Home appliance manuals, home warranty cards, receipts, furniture warranties and even extra parts! Hiding Placing them in a drawer always sounded to me like the best way to handle them, until I […]

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Organizing the Rewards Card Ridiculousness

Some call them Club cards. Other stores call them Reward cards or Membership cards. We all have too many of them, and understandably so. Those little pieces of plastic give you a discount, in exchange for being cumbersome and hard to keep track of. But what can you do? Until […]


Can I move my payment date?

Can you bargain with your creditors to have your payment date moved? Provided that you have maintained a semi-good relationship ,  it’s completely possible. The bottom line for all creditors is that they just want to get paid back the money you borrowed. If that means moving a payment to accommodate […]

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Semi-Rehabiliatated Credit Addict

I am a semi-rehabilitated credit addict. Isn’t step one of any program admitting that you have a problem? Since we know everyone likes to hear a story so they don’t feel alone (and you’re totally not), here we are: Story Time: There was a point in my life that I […]


What’s the Most Important Thing About Credit?

Did you ever wonder what’s the one thing you should be doing with your credit? Quick Answer: Pay your bills. On time. No hidden agendas, no fine print, just pay your bills. On time. More importantly, make sure those are the ones reported to the credit bureaus. Depending on if […]

Home Finances

My Love Affair with ROI

ROI is my way of justifying everything and anything that I want to purchase. It’s all about usage divided by cost or Return on Investment. Shoes you want? Jewelry? Electronics? Even home appliances and gadgets look better with a quick ROI calculation. (Lately I have heard it referred to as […]


Credit Text Message Anyone?

  There is no reason not to know what’s going on in your credit card account. Almost all companies have optional text reminders that can help you. Of course, it’s sometimes a little scary or depressing to know exactly what’s going on in your account, but knowledge is power! Until […]

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Valpak = Junk Mail. Maybe?

I’m always looking for ways to eliminate the junk mail from my life. The Valpak bundle has been a source of divided logic for me. So, does Valpak = Junkmail? and should you unsubscribe? Valpak offers coupons/promotions from local companies, many which are family owned and operated. Being a believer […]