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 [...]

What does being “debt responsible” mean, and how do you do it? Being debt responsible means taking responsibility for your debt and it’s payoff without making excuses or trying to find easy ways out through debt write-off, negotiation with creditors, or bankruptcy.  In a nutshell, if you signed on the dotted line, you must pay [...]

In every purchase we make, we should ask ourselves how much is it worth to me?  It’s a very simple question, but in many cases, the answer may surprise you.  And it applies to much more than items. Let’s try a few examples. I’ve been keeping my eye on LCD HD receiver televisions.  With the [...]

Up until now, we’ve all heard about the various ramifications of one Presidential candidate over the other.  We’ve heard about what differences will be made to the tax system and how it will affect you.  And sometime after midnight tonight, we’ll know which set of changes might take effect. So, now what?  Regardless of who [...]

If you’ve been reading Mark Cuban’s blog lately, you’ve likely noticed that he’s been talking alot about the current economic situation and also about how a person should handle his/her money. Today is no different.  In a post entitled “Where to Put your Money Right Now“, Mr. Cuban gives some advice in a manner that [...]

There are many theories as to how best to pay off your credit card debt.  One, the Debt Snowball, was popularized by Dave Ramsey and has many followers.  In it, a borrower pays off the lowest balance rate card first and then “snowballs” the payment from that card onto the next lowest balance until they [...]