Are You Paying Stupid Tax?

Eliminate Credit Card Debt Now

shopping with credit card

My favorite Dave Ramsey phrase is “stupid tax”.

Stupid tax is when you buy something on credit…something you can’t afford..something you “need” right now.  Then you end up paying interest for years on a credit card balance.  This usually happens, for instance, when you simply couldn’t wait to purchase that designer purse because it was on “sale”.

Or it could be financing, or worse leasing a $50,000 car when your gross income is $40,000 per year. Trust me it happens more than it should.

Stupid tax may also be paying hundreds of dollars per month for your cell phone bill, on contract when you can pay less than $50 per month for a month to month plan.  A lot of us are guilty of this, of course.

It is impossible to be a millionaire if you are being strangled by the noose of unmanageable credit… Click To Tweet

I will continue this blog post next week.  Stay tuned for tips and strategies for getting and staying out of debt.


Cheap & Healthy – One Product 3 Uses: Coconut Oil

Living healthy doesn’t always have to be a challenge for the single mom.

Still, there are many ways to cut cost while maintaining a healthy lifestyle.  One of the ways I manage to eat and practice healthy habits is by buying quality products (which might be expensive on the surface) that I can use in multiple ways (which essentially is more cost effective).  Below I relate how I use coconut oil to enhance my health inside and out, while saving money. (more…)