Invariably, every few months, we get a wave of posts talking about “what would you do if you won $x,xxx,xxx?” Or, what you would do with a smaller windfall. And invariably, a majority of the people talk about how they would save the money. And in some cases they are right. But, most of the [...]
It has been observed that an increasing number of people have incurred debt in the past 2 years. If you’re one of those unfortunate people who have piled up huge amount of debt, then you must take some necessary steps to curb it or your credit score will go down. If you don’t know how [...]
Ok, folks. I want your opinions and advice. The situation is this. My wife and I have been living in our current home for almost 6 years. While the interest rate on our mortgage isn’t astronomical (6.75%), it is still a few points higher than what we could get now if we refinanced it. Also, [...]
When planning to manage something as significant and controlling as debt can be, you need to make sure you approach with a clear plan and a clear goal to ensure success. A debt reduction program may look different for different people in different types of debt which is why we are going to give you [...]
I dislike getting a refund from the government. I don’t have any good reason to give them an interest free loan, but any changes I make to my W4 don’t seem to make any difference. I keep getting a refund every year. This year, the numbers were really off, because we added a dependent last [...]
When it comes down to setting your budget, saving your money, spending your money, and acting responsibly with money overall, you are your own worst enemy. You and only you are responsible for keeping your self-made goals. There are tools that you can use to help yourself, but the only enemy that you need to [...]
Personal finance isn’t all just about the best ways to save money and live frugally. There are other things to consider; other rules that should be followed. Some have absolutely nothing to do with saving money.Many of the posts here at Beating Broke deal with saving money, budgeting, and living frugally. On many occasions I [...]
For the past three years, I have participated in the ND Technology Occupations Student Loan Forgiveness program. The rules were pretty simple. You had to have a College Degree in a technology related field, and have a job in North Dakota in a technology related field. If you met the rules and got your application [...]
Unfortunately, I try to keep this blog safe for work; which means that I can’t use the words and terms that I would like to in reference to Innovis. In short, Innovis Health is one of the worst medical facilities that I’ve ever had to deal with. And that’s not an exaggeration. Innovis Stinks. And [...]
The day I’ve been anxiously awaiting is getting very near! Sometime next month, I will be paying off the loan on our remaining car loan. Yippeee! Really, it’s only about 3 months or so ahead of schedule, but ahead is ahead. Paying off that loan will eliminate all car payments for us. When the first [...]
