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    Lauren Greutman Recovering Spender

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      *** Updates – wow, since I posted this summary of the Affordable Care Act almost 3 months ago, quite a bit has changed.  Firstly, today is the “deadline” to sign up for health insurance if you don’t have it through your employer.  Note that I put deadline in quotes… why?  Because the March 31 deadline has been extended, sort

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    Is it possible to Survive… even THRIVE in an Instant Gratification culture? Yes! But, I do have to be honest – I worry about our culture as a whole and our future. Our nation’s inability to wait for things, unwillingness to plan for the future, and indifference in looking ahead to wait for something better, later in life is really going to be

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    Approximately 40% of American workers describe themselves as living “paycheck to paycheck”, and 20% or workers have been unable to make ends meet at least once in the last year.  These aren’t staggering statistics at all.  If we aren’t there ourselves, most of us have friends who are.  Lauren and I are there sometimes… self-employed income isn’t uniform. Just getting

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    Spring is around the corner (I hope) and so are tax refunds!  If you are like many Americans, you might feel that it’s time to replace your sedan or minivan and get a newer model.  Our 2004 Town & Country has about 137k miles on it, so we are just about getting to that point ourselves.  [Note: For this article,

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    Recently, a few readers have asked about How to save money on buying tires..  I view tires as more of a maintenance item; they aren’t something I look to go out and buy, rather something that you have to buy every few years (or even more frequent depending on how often you drive). I have done my fair share of

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    In every budget or spending plan, I put expenses in 3 categories: Fixed costs – expenses that are “set in stone” like your rent or mortgage Flexible costs – necessary expenses like groceries, internet, phone bills.  These can usually be reduced, but not eliminated. Extras – expenses that go above the cost of living.  These might be convenience items, hobbies…

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      I’ll let you in on a little secret – Lauren is very frugal… but not with everything.  In winter, she wants a warm house and is willing to pay for it.  But this year, it has been so cold that I finally convinced her to turn the thermostat down!  From 71 to 70… a whole degree! There are many

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    Many people start off using coupons to save money and realize that saving money with coupons ins’t as easy as they thought.  There are 6 common mistakes that people make when first starting to use coupons – here are the top 6 mistakes that new couponers make. Top 6 Coupon Mistakes New Couponers Make: 1.) Buying an item with a

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