What Are You Really Paying For?

When you buy anything, product or service from a company you are actually paying for much more than the product itself. We all know that companies must generate enough revenue with their sales to cover not only the cost of the goods sold, they must also cover the costs of their building, employees, heat, light and power. There are many costs incurred while running a business. Many of these costs are tracked and recorded on a company’s financial statement. Some costs however are not so clear or obvious.

Is Frugal A Passing Fad?

Frugal became the new fad. People began considering their budgets and rethinking every expense. Two years ago you were likely to hear someone brag about how much they spent on a new car or gadget and today they are more likely to brag about how much they saved.

10 Types Of Loans To Avoid

If you won’t pay $15 for a $3 cup of coffee why pay $1500 for a $300 couch? If you won’t pay $50 for a $30 oil change, why pay $50,000 for a $30,000 car?

Why I Don't Support Debt Consolidation

The real reason I decided against consolidation was that I had done it before and the result was, well, a failure. What started out as debt consolidation turned into debt escalation!