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    Category: Frugal Living

    Financial Fitness Turn Up Challenge Week One

      Happy Financial Literacy Month! Well, three months have already passed. How are you doing with your financial goals?   Did you just cringe? Yeah,…

    Dr. Maria James April 1, 2018
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    Get Rewards and Cash Back Without Using a Credit Card

    I’ve been hearing “it’s cute that you tell us to have discipline, but I’m going to spend this holiday season.” I’ve also heard “I have…

    Dr. Maria James November 21, 2016
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    How I Decreased My Food Budget by 79%

    I decreased my food budget by 79% and it didn’t have much to do with couponing. Food can be one of the more expensive categories…

    Dr. Maria James October 5, 2016
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    Should I Use a Payment Plan for My Plane Ticket?

    I’ve seen a number of articles announcing that you can now pay for your airline tickets using a payment plan. I’ve been people exclaim “awesome,…

    Dr. Maria James August 30, 2016
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    Top Personal Finance Myths Debunked

    As The Money Scientist, of course people talk personal and business finance with me all the time. I get to hear people brag about great…

    Dr. Maria James January 18, 2016
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    5 Tips to Afford the Services and Items You Want or Need

      Are you familiar with the common phrase when you know better do better? If only it was that easy. Sometimes you know of actions…

    Dr. Maria James March 5, 2015
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    Is Your Money Prepared for The New Season?

    Summer is coming to a close. Every year you prepare yourself for cooler temperatures, getting children ready for school, school buses on the road, and…

    Dr. Maria James August 21, 2014
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    Saving and Being Money Savvy While Visiting

    The time for college drop offs and last summer vacations is fast approaching. It can be very tempting and seem almost unavoidable to spend a…

    Dr. Maria James August 14, 2014
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    Make The Most Out of Tax Free Weekend

    Here in the U.S., summer is quickly coming to a close. Many great things happen around this time, one of which is Tax Free Weekend.…

    Dr. Maria James July 30, 2014
    1 Comment

    How to Make Money with Electronic Recycling

    Technology is advancing at an increasingly fast pace, which causes the turnover for electronics to also increase. New electronics come out every few months and…

    Dr. Maria James July 9, 2014
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    • 5 Steps to Save Money Fast on a Low Income
      Saving money fast on a low income is a challenging yet achievable goal. By implementing strategic financial practices, you can take control of your finances and build a more secure future.  I saved $10,000 while earning $23,000. I’m going to walk you through the five steps that will allow you to do it too. We’re…
    • Which Health Plan Should I Pick for Next Year and Should I Use an HSA or FSA?
      It’s time to make a decision about your health insurance plan. Open enrollment is coming up and you have to decide if you’re going to stick with your current plan or pick a new one. There are a lot of things to take into consideration.  Choosing a health insurance plan can feel overwhelming. Premiums, deductibles,…
    • 3 Step Mid-Year Money Check-In: How to Measure Your Progress and Adjust Your Goals
      Have you checked-in on your money? As summer winds down and quarter three kicks into gear, it’s the perfect time to pause and take stock of your finances.  A mid-year financial check-in can help you course-correct, celebrate wins, and align your current efforts with your long-term goals. Whether that’s retiring early, buying a home, funding…
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