Not a 'we paid one off' post but a success on our end none-the-less....hubby has his own machine shop he works part time out of our garage. Where we live, NH, small businesses don't pay any taxes until they hit a certain income level- then it's 8.5% due (ouch!). Our state has no 'regular' income...

Thought that I would ask this question What part of the year is the most difficult for your family financially? And what do you do to coushin the impact? For us, it has been April - January..especially this year. It seems that everything hits us from all sides.....the hardship season kicks off...

Priceless! I think this was done in 2006 but obviously relevant now -- advice both from a personal and federal level, I think.

This weekend I was reading “You’re Broke Because You Want to Be: How to Stop Getting By and Start Getting Ahead” by Larry Winget. (A pretty good read, by the way. The advice is nothing groundbreaking, but his straight talk and no excuses approach is entertaining.) Anyway, in the book he states...

Can you remember the Christmas when you were at your lowest financially? When you were broke? What did you do? While Hubby and I have always tried to be careful and we don't give expensive gifts, one year we just absolutely had nothing. Various emergencies (we all know about those, huh?)...

If the economic crisis making you rethink where you are financially? Do you see it as a "wake up call"? Are you redoubling your efforts to create an emergency fund or get out of debt? Is it making you lose sleep at night?

MONEY IS SOOO TIGHT, I am soooo frustrated, and I need help getting back to the basic bills and mortgage and student loan. Due to my hubby being off work sick for quite a few months, we are in such a bad financial state, it is ridiculous! I found this site a short while ago and I have been...

Last week I had posted how I was hoping that the gas co. would no shut off the gas being that I paid on the arranged date but on the auto. sys. and no one was there to confirm it. Well everything was fine. But we did have an agreement with the elec. co and I paid part of my bill last week and...

I've been debating posting this thread for a few weeks now, for fear of offending someone, but I'd really like some constructive criticism, and I figure there are others like me that would like the same. If anyone doesn't want to do this, they can certainly just avoid the thread. Here is my...

When is helping others out financially helping and when is it throwing good money after bad? How do you know when to help and how do you say no?

So far we are lucky that randal's boss matches 300% of his 401B contribution. I now havea Roth IRA. Being that sahm's don't get a 401k...lol! or 401B or 403B.....whart are we suppost to do for retirement!!! LOL. I'm excited about my Roth IRA. I recieved it as an x-mas present from DH!!!! Every...

What has helped you succeed the most financially and what has held you back the most? What do you need to master? I attribute owning my own home, my 401K, change jar and mastering couponing to helping me the most financially. Credit card debt has held me back the most as well as not having...

I will try to make this short but I am truly overwhelmed. My dh and I have had it hard in the past and we are finally at a stage financially where we are no longer just living from pay to pay, we are not well to do by any means but we do have extra now to do a little renovating on our home...

In today’s money-driven society, teens are constantly bombarded by magazines, television ads, and peer pressure which make them feel less than ideal if they do not wear the latest clothing style and drive a “cool” car. Briefly visit your local mall and you will observe multitudes of young people...