hand protect a house

HAMP Is Ending: What Does That Mean For You?

HAMP (Home Affordable Modification Program) was created by the government. This was in the wake of the mortgage meltdown of 2008 when Americans lost jobs, homes, and assets at an incredible rate. HAMP allows changes to mortgage terms in order to help homeowners to bring delinquent mortgages current and avoid foreclosure. It also makes payments…
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Girl have been deception from cyber criminals. he flirts  with her by means of delivers flowers.

Top Scams To Watch Out For

Like old stories of the ‘boogieman’, con-artists and scammers are waiting and watching for someone to attack. It may seem like it would be obvious if someone is trying to scam you, but today these scams have become very sophisticated and hard to detect. And it’s even harder to get money back if you become…
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Senior beagle dog wearing Halloween costume of pumpkin looking up

How To Save Money On Halloween

Here’s a Flashback Friday post to help save money on Halloween this year. I can’t believe it, but Halloween is right around the corner already. Costumes can be expensive and I don’t know about you, but it’s painful for me to think about spending my hard-earned cash on something I’ll probably wear once. Here are…
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Beets with green leaves

Twofer Vegetables – Great Food Bargain

I had a busy weekend. It was time to pick some vegetables –  the beets – in my garden to pickle and can before beet thieves got them. The small slimy ones (thanks to our abundance of rain this fall), the tree-dwelling ones with bushy tails, and the tall ones with opposable thumbs. “What?!” some…
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mature woman portait

Portrait Of A Student Loan Borrower

Let me tell you about someone I recently met with during a financial counseling session. About “Ann” Ann is a 54-year-young, mother and wife.  She works on average 32-34 hours a week at a job she loves.  Ann is an activity director at a local long term care facility; it does not pay Ann a lot of…
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