Warning! Read This Before Consolidating Your Credit Cards

Whitney Sparks "A Fearless Heart"

People often come to Greg and I to ask if they should consolidate their credit cards.  So, I thought that I would share our experience with debt consolidation and then let you come to your own conclusion.  Keep reading because what I have to say might just change your mind before you decide to consolidate. DEBT CONSOLIDATION… means that you … Read More

I Eat Like a Broke College Student

You may find this shocking, but I LOVE TO EAT!  If I’m ever asked what I want to do for my birthday, the answer is always the same…go out to eat. Sometimes eating out is not a choice.  Moms are having to run kids here and there.  Students have to get back to class or stay up late studying.  Dads … Read More

Is Graduating With a Degree Really Worth Going Into Debt?

Whitney Sparks "A Fearless Heart"

One thing you may not know about me is that I was the first in my family to graduate from college.  I have God to thank for that and my parents.  They instilled in us from an early age that college was not an option.  They wanted both my brother and myself to have a degree.   My parents know … Read More

Can I Really Live Within My Means While in College?

Whitney Sparks "A Fearless Heart"

Yes, yes you can.  Here’s a list of things you HAVE TO DO if you want to live within your means.   1.  Learn to say no.  It is okay to tell your friends that you can’t go out tonight because you simply don’t have the money.  If they’re good friends they will completely understand and might even learn something … Read More

How to Avoid Student Loan Debt

Whitney Sparks "A Fearless Heart"

Wow!  There is a serious epidemic facing our kids today and it’s called DEBT. What’s sad is that they learn this word early on in life.  Mostly when they start off to college. The problem with debt is that it’s like a drug.  It is highly addictive.  You see how much you can spend on credit and how quickly you … Read More