Utilities: What Would We Do Without Them?

Can you imagine life without electricity and heat? During a Minnesota winter we’d be going to bed at 4 pm in December and have to sleep under a pile of smelly bear skins. We take our access to utilities like electricity and heating fuels for granted. But there is a lot happening on the other…
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How To Use Your Tax Refund To Improve Your Finances

If you’re lucky enough to get a tax refund, it’s best to plan out how you’re going to use it. We’re flashing back to this post about 7 smart ways to use your refund. Tax time can be a nice time of year for many struggling homes. Playing catch up or getting ahead can be…
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Tips For Getting A Roommate To Increase Income

I’m married and besides my spouse, I’ve had 2 separate roommates over the years. One stayed in an extra room for about a year and the other for about 3 years. If you’re thinking about getting a roommate to increase income, here are the pros and cons to weigh first. Pros: Increased income More disposable…
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Making Late Payments: More Than Just A Late Fee

Have you ever missed a bill payment or made late payments? Most people have at some point, whether it was accidental or on purpose because it wasn’t affordable by the due date. While there’s a bigger issue if you’re constantly making late payments, there is more to be worried about than just a late fee.…
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