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    Category: Frugal Living

    Frugality is Important to Wealth

    Money management requires some discipline. Personal finance is 80% behavior and 20% knowledge, so that behavior needs to include some discipline about spending, saving and…

    Dr. Maria James May 21, 2014
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    How to Handle Inconsistent Income

    No matter your income level, you need a spending plan. It’s not how much money, it’s how you work it. You may have seen the…

    Dr. Maria James February 20, 2014
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    6 Steps to Improve Your Money

    I was scrolling through Entrepreneur magazine and came across the article 6 Steps to Salvage an Unproductive Day, you can check out the original article…

    Dr. Maria James February 5, 2014
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    Important Tasks After Financial Hardship or Bankruptcy

    Some of you have asked so let’s talk about it. No matter how much your income, whether it’s $30,000 or $200,000, you have likely experienced…

    Dr. Maria James January 15, 2014
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    5 Tips for Cutting Costs on Thanksgiving Dinner

    It’s almost Thanksgiving Day, just two weeks left. Many of us celebrate Thanksgiving by eating large meals with friends and family. We have our traditional…

    Dr. Maria James November 13, 2013
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    4 Tips to Combat Holiday Marketing and Save Money

    As soon as October hits, marketing for the holidays starts. We are bombarded with commercials and ads for Halloween, Thanksgiving and Christmas. No matter what…

    Dr. Maria James November 7, 2013
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    Avoiding More Debt During the Holidays

    Over 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay…

    Dr. Maria James October 31, 2013
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    3 Habits of Millionaires You Should Adopt

    We’ve all seen the lists that come out every year naming the wealthiest people in the world and the country. The billionaires and millionaires, individuals…

    Dr. Maria James October 24, 2013
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    3 Personal Finance Rules to Throw Out During Hard Times.

    As I was going through some personal finance rules that are very good to follow, I thought of the individuals who may be experiencing economic…

    Dr. Maria James October 17, 2013
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    DIY. How to save money on clothes.

    When it’s time for the seasons to change, we start putting away last season’s clothes and pulling out clothes for the new season, placing them…

    Dr. Maria James September 19, 2013
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    • Where Is My Money Going? The 4 Major Hidden Leaks High Earners Miss
      Where Is My Money Going? The Hidden Leaks High Earners Miss You’ve been trying to save for six months now. Really trying. You set up automatic transfers. You told yourself, “This is the month.” You cut back on the so-called obvious stuff: fewer dinners out, skipped the expensive vacation, and said no to impulse purchases.…
    • Why Do I Feel Broke Making $100K+? A Quick 3 Part Solution
      Why Do I Feel Broke Making $100K+? You just got your paycheck. Again. The same direct deposit that used to feel like winning the lottery now barely registers. You glance at your checking account balance, do some mental math about what’s already committed, and feel that familiar knot in your stomach. How is there so…
    • 15 Powerful Actions to Transform Your Financial Future This April
      April marks Financial Literacy Month, and a perfect time to take control of your financial future. While many people make New Year’s resolutions that fade by February, spring offers a natural opportunity to reassess and recalibrate your money strategies. Whether you’re a seasoned professional or just starting your financial journey, these 15 actionable steps will…
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