How to Pay for College Without Student Loans

It goes without saying that college is not cheap and more often than not leaves graduates drowning in debt.

Here’s why: When we don’t talk about the hard stuff—even the obviously hard stuff like money and finances—we often end up taking the easiest path. For college students this path is paved with loans and lots of them!

Thankfully, if you just kick your brain into high gear and think about the hard stuff, you’ll find plenty of options to pay for school with zero debt. And we’re here to help with some alternatives to paying for college with student loans.

Read More

How to Win With Money in 7 Simple Baby Steps

Raise your hand if life is busy? Phew! Glad we’re not the only ones. Sometimes it can feel like we’re winning at life if we get the kids fed and in bed by 8:00. Still, we all have bigger dreams, don’t we? And, let’s be honest, most of them require money and financial stability. If only there was a proven way to go after our goals while also living our busy, day-to-day lives . . .

If only . . .

Okay, teasing time is over. We have the answer: Baby Steps.

What Are the Baby Steps?

The Baby Steps are your key to financial peace. And the steps are simple. So why isn’t everyone winning with money? Because each step also requires a bit of discipline. After all, if you want to live like no one else, you have to live like no one else. Don’t worry if this sounds redundant now—you’ll get there eventually. Let’s dive in!

Read More

Retire a Millionaire on Just $35 a Week

Whether you work at home or in an office, you work hard to make a living. But the truth is, providing for a family is expensive. Add financial setbacks into the mix, and it takes all your energy just to cover the bills.

Saving for retirement? Well, that’s a dream for another day. 

Or is it?

We’ve got good news! You don’t need a big, cushy salary to fit a comfortable future into your budget. Here’s an easy plan you can start today.

Read More

2 Big Perks of Baby Step 7

You’re totally debt-free. You have no car payments, no house payment, no credit cards or student loans. Your retirement is well funded, and your kids have enough money for college.

Welcome to Baby Step 7 (also known as the good life).

It’s time to start enjoying more of your hard-earned income. Just remember, the point of the last Baby Step isn’t to escape reality. The point is to allow yourself some well-deserved freedoms in daily life.

How will you live and give like no one else?

Read More

3 Questions to Ask Before Using Your Emergency Fund

So let’s say you’ve completed the first three Baby Steps. You are free from debt, and you’re well on your way to saving for a great retirement and a loan-free college experience for your kids. But inevitably, something comes up that will cost thousands of dollars to replace, repair or redo.

Some of these things—a broken air conditioner in the heat of the summer, a leaky roof or a major medical issue—are obvious grounds for breaking into the emergency fund without thinking twice. After all, that’s what it’s there for.

But there are some events that are just out of the obvious zone. How do you decide when it’s appropriate to tap into those emergency savings?

These three questions may help you make up your mind before using your saved-up stash.  

Read More