Calculator

How do you calculate net worth – the simple way

How do you calculate net worth?  Most people don’t take the time to calculate their net worth, but it is a very good tool to help you get a look at your financial picture.

The equation is very simple, really.  It is your Total Assets (the items you own) minus your Total Liabilities (the money you owe, also known as your debt).
Continue reading “How do you calculate net worth – the simple way”

Thinking 2

We all need some great becoming debt free stories!

I love reading good becoming debt free stories, because they help to motivate me.  They are a great way to stay focused.   When you see someone else made it, it proves that your goals are obtainable.  People can pay off all of their debt.  It just takes a little determination and time.

Continue reading “We all need some great becoming debt free stories!”

Shopping Lady

Using a grocery price book spreadsheet to save money

I have been researching grocery price book spreadsheets here recently as a way to help us save money on our groceries.  I thought this might be a better way for me instead of trying to clip coupons.  I do try to use coupons every now and then, but I am not an insane coupon clipper by any means. Continue reading “Using a grocery price book spreadsheet to save money”

Sugar Scrub Ingredients

Homemade Scrubs Skin Treatments- Only 3 Ingredients!!

I love homemade scrubs skin treatments at home, because they are cheap and you can customize them for your skin type and with whatever scent you desire.  They exfoliate dead skin cells and leave you feeling smooth and your skin glowing.

Scrubs also make great and inexpensive homemade gifts.  With Christmas coming up it would great to whip up some scrubs to give away to family members and friends. Continue reading “Homemade Scrubs Skin Treatments- Only 3 Ingredients!!”