A Little Extra Money

I’ve seen it written elsewhere and it’s an obvious statement, but if you want to save money or stay debt free there is only ONE thing you can do.  Earn more money than you spend.
If you aren’t earning more than you spend, then there are only TWO things you can do to change this and [...]

Refinancing My Mortgage - Part One

I added up all my debts, how much the minimum payments were, and the amount of interest I was paying every month and when compared to my income, it looked very unlikely that I could even continue to make all the minimum payments.  Obviously, I have to pay a lot more than the minimum due [...]