Expenses

How much Interest are YOU Paying? Get Mad at Debt!

How much of your hard earned money is going straight into the pockets of rich bankers every single month? Figure it out, get pissed, and do something about it! I did and I’m already paying less and will continue to pay less every month until I’m paying ZERO.

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Non-Monthly Expenses – How to Budget for Lump Sum Payments

by Matt Jabs

If you are trying to live on a budget and you have not planned for non-monthly expenses, it is just a matter of time before your budget is destroyed by one of these time bombs lurking just below the surface! Here’s how we avoid these budget busters…

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Discretionary Spending & The Spending Journal

by Matt Jabs

Discretionary spending is the silent killer looking to wreak havoc on your budget. If you want to increase your success with budgeting and money management, start keeping a spending journal. Period.

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Debt Testimonials – Al Hernandez Looks to the Ant

by Matt Jabs

Today I received an email from Al Hernandez – a fellow debt freedom fighter and frequent reader of DFA. I wanted to share Al’s testimony with all of you to give encouragement and hope. Enjoy!

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More Reasons to Pay Off Credit Card Debt

by Matt Jabs

Consumers are cutting back, and credit card companies are striking back! With more and more Americans saving more and spending less the credit card banks are really starting to take a hit – but… they are not taking the hit lying down!

How are the banks responding to the decrease in consumer credit use? Here is what recently happened to me…

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The Debt Steamroller – I WILL FIGHT to reach my goals!

by Matt Jabs

I may not be on track to reach my debt repayment goals… but I am a man on a mission and will not give up that easily! DFA is earning more money, and that may be the answer to prayer I have been looking for…

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Localvore – Eat Local Foods and Save Money

by Matt Jabs

A localvore is any individual who prefers to eat healthy, locally grown/produced food.

The following post is just one example of how my wife & I are becoming increasingly focused on eating healthy, organic, fresh, local, in season foods, and how this transformation has benefited both our pocket book and our health!

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Follow Through on Financial Goals

by Matt Jabs

Have you recently made side money, reduced some expenses, or paid off a debt, yet failed to follow through by properly redistributing your savings accordingly? Recently I was reminded of a couple tasks I had yet to complete in order to consummate a few of my financial goals. I had reached most or all of the milestones, but needed to perform important money redistribution tasks to truly finish them!
So What’s the answer?

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It’s Pick-Your-Own Fruit Season! – DFA Tip of the Week

by Matt Jabs

PYO season is here! Pack the spouse & kids into the family vehicle & head down to your local pick-your-own farm today. It will be an experience all of you will remember for a long time to come, not to mention all the money you’ll save & fresh fruit products you will enjoy far into the future!

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Lower Electricity Costs by Reducing Standby Power – DFA Tip of the Week – 5/18/2009

by Matt Jabs

This weeks tip involves…cutting your electricity bill by turning off certain breakers.

I’m sure you’ve heard it before…your cell phone charger (and/or other electronic devices) hog power even when not in use.

Standby power (aka vampire power, phantom load, low power mode, or leaking electricity) – energy consumed by devices when they’re plugged in but not in use – costs the average American household between $200 – $300 a year and typically accounts for 5 – 10% of total residential electric consumption.

Today I will show you my action plan to reduce this problem in my home.

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Credit Card Companies Are Raising Your APR – Here’s Why & What You Can Do

by Matt Jabs

Isn’t it always a blessing to come home, check the mail, and be greeted by a handful of bills! Don’t you just love that?
Today I had the pleasure of getting an extra special treat from Capital One; one of my ever so thoughtful credit card providers.
According to the literature, Capital One is raising my APR by nearly 7% due to “the challenging economic environment”. This is an incredibly steep increase in interest that has been implemented in order to pass the brunt of these tough economic times from the shoulders of a credit card company over to my shoulders! I suppose they assume I have broad, strong, healthy, able shoulders!

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