When money is really tight, there isn’t much wiggle room in your budget, or you just want to pay down debt as fast as possible, it’s tempting to just decide to get a second job to fix your debt problems. A second income can seem like the perfect way to earn more money to reach your financial goals sooner, but there can often be hidden concerns that come with having a second job. There are many things to consider when deciding to get a second job. Making sure you’ve thought through these issues for yourself is paramount in whether or not a second job is right for you to help pay down or get out of debt.

Saving for college tuition is a great goal. But it’s probably only one financial goal on your list. Unfortunately, your mortgage, credit card debt, student loans, retirement and other finances all come before saving for your child’s educational future. But that doesn’t mean you don’t have options. We’ve put together a few frugal family options to help you start saving for your children’s future.

Clark Howard. Chances are, you wouldn’t notice him walking down the street. But he’s one of the most famous practical money gurus out there. One of the things that makes Clark such a valuable resource is that he thinks differently. He’s great at taking your expectation and turning it upside down when it comes to being frugal.

Generating $1,000 for an emergency fund doesn’t have to be overwhelming. There are many tips and strategies you can use to come up with the money you need. There will always be emergencies. They are sudden and unexpected, and can leave an unprepared family scrambling to catch up. Use these tips to set aside a fund for dealing with these types of situations as they arise.

There are many choices to consider when deciding what type of school to attend for secondary education. From private to public universities, community colleges and technical schools, let’s look at our options.

Spring is breaking through the cold weather all over the country, but you don’t have to let it break the bank. There are plenty of activities for you and your family to enjoy at little to no cost. So let’s put up those winter coats and have some fun!

While you might dream of showing your family the world, worldwide travel isn’t always feasible—or budget-friendly. International travel becomes even harder for those in serious debt. But that doesn’t mean that vacations are out of your grasp. Your family can have a trip they will remember and cherish for years, and it all starts with a budget.

Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect buyers — this means under an FHA loan, you …

Home equity is the amount that your home is worth minus any outstanding mortgage loan balances. For example, if you purchase a home valued at $200,000 with a $150,000 mortgage, you have $50,000 equity in your home. Your home equity will most likely grow over time as the value of your home increases and as your loans are paid down or reduced.

Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.