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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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    • 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…
    • 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,…
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