What do you do when a financial crisis comes your way?

What do you do when a financial crisis comes your way?

Don't you wish you could purchase insurance to cover every possible scenario of life? Why is there no devastating life change insurance? There is no policy to protect you in the case of a divorce that leaves your income stretched thin. There is no insurance policy for a job loss. 

And while there are insurance policies for devastating diseases and accidents, no plan is perfect. Far, far too often people are left paying hefty price tags for things that are far beyond their control. 

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6 habits of highly frugal people

6 habits of highly frugal people

You've heard it before, if you want to be successful do what successful people do. And it makes sense. It's why we read business books, or attend conferences or listen to podcasts.

So why wouldn't we apply the same to our frugal lives? Of course, you have to choose things that work for you in your family in your situation. Nothing is ever really one size fits all. But these tips are a great jumping off point.

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8 Ways to slash your cellphone bill

8 Ways to slash your cellphone bill

Over the past year our family has cut our cellphone bill by 35 percent. We cut our bill by around $50 a month saving us $600 a year!

Today I thought I would share with you some tips and tricks for cutting cellphone costs. 

1. Consider a discount provider. When our contract with Verizon was up we diced we were done with the "big four" (Verizon, AT&T, Sprint, T-Mobile.) We had been under contract with two out our of those companies for nine years and our cell phone bill was ALWAYS too much. 

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