Need new furniture? Check out the dumpster first

Or the recycling bins in your area. Other advice is to check out the nearby thrift or discount stores but nothing really beats free. A lot of great pieces get thrown out instead of sold or donated. This is especially true in college towns. Several stories of great items being thrown out are found in Read More

Credit cards are not the enemy

It is impulse buying and racking up credit card debt that are the enemy. Credit cards can be a great tool if used properly. There are pros and cons to every item at your disposal but it matters how they are used. Individuals are using credit cards as a side-hustle. Last month, just on one Read More

How to prepare for a recession – 5 ways I will prepare

Disclaimer: * This may contain affiliate links* I’m not a licensed investment adviser. Also, I’m not a tax adviser and this is NOT tax advice not investment advise. Please talk to a licensed investment adviser before making any financial decisions. Please talk to a licensed tax adviser before making any tax decisions. Recessions are a Read More

The best Vegetarian Lasagna ever!

During the last excavation season, we were told that we had to cook for a couple of days throughout the season. I had this recipe ready to go! It was so popular that I had several people asking me for the recipe. So, I wrote something quickly and sent it off. Then, I decided I Read More

Investing during Baby Step 2?

*contains affiliate links* What is Baby Step 2? It is the second step to financial freedom, as written by Dave Ramsey. In this step, you prioritize debt payoff and cut your spending, investing, etc…to nearly 0. However, there are some nuances to it that he does not adhere to, particularly that it does not work Read More

What is dividend investing?

Disclaimer: *This article may contain affiliate links* I’m not a licensed investment advisor. Also, I’m not a tax advisor and this is NOT tax advice. Please talk to a licensed investment advisor before making any financial decisions. Please talk to a licensed tax advisor before making any tax decisions.   Investing means you are buying Read More

The simplest budget ever

I know there are a lot of budgeting apps, books, methods available on the market but I am here to tell you that you do not really need those. You can do it by dividing your paycheck into percentages. It is like following a budget but in reality, it is more freeing than some budgets. Read More