Category Archives for "Living on $30000 or Less"

Credit Report Score Tips

Credit Report Score Tips

Find out how to clean up your credit report

One of the biggest things that hold people back from getting their financial affairs in order is credit. Either they were extended too much credit and over did it or they can’t get any at all. There is a solution. It is not quick and it is not easy. Anyone offering to fix it for you with a “Pay It Now” button is probably lying to you. Yes, there are many services that you can pay to scrub your report. But chances are that a lot will be missed. You will probably also pay quite a bit in fees to have it done. Who knows your credit history and circumstances better than you? They may know loop holes that you don’t, that’s true. So to help you out I’m sharing with you my cleaning up credit report score tips.

How to scrub your credit report

With the Internet being a ripe source of information, do a little digging I’m sure you can find those loop holes as well. 1 in 20 people have substantial credit report errors — enough to result in at least a 25-point credit score jump once fixed. The difference in 25 points on your score can affect a lot of areas in your life. Loan, credit cards, leases, and even jobs can be adversely effected by a low credit score. The only way to really know what is going on when it comes to determining your credit score is to get your hands on the report itself. Go to annualcreditreport.com and request your three reports, one from each of the big credit reporting agencies: Experian, TransUnion and Equifax. This is the only place to get them free, once per year. Beware one major error though: When you receive a credit report online from one of the big three credit bureaus, you probably will ignore the terms buried at the bottom of the credit bureau’s web page. Most do. However, unless you mail an opt-out letter to the credit bureau within 30 to 60 days of receiving the report, you automatically agree to a binding arbitration clause that bars you from airing your dispute in front of a jury and from joining in a class-action lawsuit against the bureau. All three major credit bureaus have arbitration agreements in their terms of use. That means if you get your credit report online and find an error on it, you can still dispute the error. However, if you disagree with how the credit bureau managed the dispute and want to take the bureau to court, the credit bureau can legally press the arbitration clause and force you to give up your right to argue your case before a jury. Beware the fine print. Read everything thoroughly. Google is your friend.

Once you’ve received your reports, start to scan over them for errors. The smaller errors need to be fixed but will not make much of an impact. Misspellings, wrong addresses, and wrong general information should be fixed somewhere along the line to make sure that you have the most accurate credit score possible. The larger areas to focus on are loan inquires that you did not authorize, accounts that are not yours, late payments that were made on time, and collection attempts that did not reach you. If you find something that is inaccurate you will need to file a dispute. If it is wrong in all three reports you will need to file with each report individually.

When you’re ready to dispute errors on your credit report here are some tips:

First, be very clear as to what it is that you’re disputing. Who, what, when, where, and why are questions that you need to address with each error. Make sure that you were as clear as can be as to why you believe there has been a mistake. Include all evidence that you might have to prove that the error is an error. Highlight, underline, and circle anything that you think they really need to see. Be sure to make copies of everything for your own records.

Second, make sure you’re filling out the right forms. The FTC has a sample letter you can use to explain your dispute (http://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report). Equifax and TransUnion also require you to submit their dispute form with your letter. Give yourself enough time to make sure that you will hear back in a timely manner. Do not wait to the last minute to send things in. It can take a while for agencies to respond to claims and you do not want that time lapse to work against you.

And lastly, try to use snail mail. While it may be quicker and easier to file things online, when using the Postal Service for correspondence you were not accidentally agreeing to things in electronic forms that you do not mean to. A lot of times when you are submitting a claim through a website you were agreeing to terms of use just by using their service. This will not always work out in your favor even though it is convenient.

This is an overwhelming task to take on yourself and is probably why many people do it. But you can be the CEO of your own home and take back your financial freedom. Do not be intimidated away from getting in there and fixing the problem. It can be done and it should be done. There is no reason that anyone but you should be in charge of your credit score.

Best Frugal Tips

Read part 1 of Angie’s Living on $30,000 Best Frugal Tips on Thriving and (not just surviving) on $30,000 a year!

Basic Home Budgeting

Part 2 – Basic Home Budgeting

How to Budget Monthly

Part 3 – How to Budget Monthly Finances Wisely

How to Not Spend Money

Part 4 – How to Not Spend Money

Smart money saving tips to get your debt under control.

Part 5 – Smart Money Saving Tips to Control Your Debt

Money Management Skill

Part 6 – Money Management Skill

couple money talks

Part 7 – Why Couples Should Talk About Money?

Find out the secret on How to Use Your Tax Refund to Build Wealth

How to Use Your Tax Refund to Build Wealth

How to Manage Food Budget for Family?

How to Manage Food Budget for Family?

Budgeting for a New Baby

Budgeting for a New Baby

Dating on a Budget Ideas

Dating on a Budget Ideas

Angie Rumpf

I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.

For more Best Frugal Tips, read these:

get rich

How to get rich in 5 minutes a day

frugal ways to save money

Frugal Ways to Save Money: Getting Out of Debts

30,000 image.jpg

How to Save Up Money: Tips for Living on $30000 or Less

Living on 30000 or Less: Raising a Family of 6

Living on 30000 or Less: Raising a Large Family

Dating on a Budget Ideas

Dating on a Budget Ideas

Dating on a Budget Ideas

In a previous article I mentioned alimony and child support being immovable parts of a budget, thus preventative measures need to be taken to keep that cost from occurring. Money talk can be the source of a lot of stress within a couple. Finding ways to facilitate healthy discussions about finances is important to getting on the same page and executing a family financial plan. There are great communication facilitators out there. A favorite of mine is “The Five Love Languages” by Gary Chapman. Important understand the way that everyone in your family communicates and also to understand the way that you communicate in order to work through big issues towards a common goal. Try not to let money and issues surrounding it not be one of the reasons that your relationship “doesn’t make it”. You don’t need money to make a relationship work any time and commitment. There are plenty of great Dating on a Budget Ideas for ways to strengthen your relationship and connect to your partner that do not involve spending money that you can’t afford to spend. What is the point in an expensive, romantic night out if it’s going to cost you down the line in ways that are deeper than your pockets?

Here’s some great Dating on a Budget Ideas to get you started:

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Budgeting for a New Baby

Budgeting for a New Baby

Budgeting for a New Baby

So you are having a baby? Congratulations! On a budget? Congratulations! One of the most amazing gifts you can give your children is the ability to manage their money. Unfortunately, babies do not understand that money does not grow on trees. So until they figure it out, you must manage money no way that will teach invite. Budgeting for a new baby is a money skill that you should learn.

Tips for Budgeting for a New Baby



One of the first places to start is all the things that you (think) you need for new baby. Here’s the thing about having a kid, nesting is a very real thing for women. I’m sure that men experience it too, but the urge to build a home when you know a baby is on the way is very powerful. The crazy thing is that, at least at the beginning, you actually need very little. All of the cute, convenient, expensive, little things you will probably register for as gifts are things that YOU feel that YOU need for the baby. Here are the things that you really need and how to get them for less: 1) Food. Food for you, and food for them. Whether or not you were breast-feeding or formula feeding, either way you both need fed. A membership to a wholesale club will come very much in handy for things like this. Quick, healthy snack items and plenty of liquids will go along way for helping Mom get through the marathon that is a newborn. 2) Diapers and wipes. Couponing is a great way to get diapers for less money. almost all major drugstores and/or grocery stores pretty great coupon deals every few months. There are great couponing blogs out there we can point you in the right direction. Or you can just search “diaper deals with coupons” and find plenty of resources. Also, don’t get stuck in the idea that you have to buy namebrand diaper. Many of the storebrand diapers are all manufactured by the same company’s but just have less marketing money behind them. I encourage you to try all the different brands and see which ones you like. Also note that what works for a girl does not always work for a boy and vice versa. Have you ever heard about Amazon Mom? There are amazing deals to be had through this site. Specifically, if you are a member of Amazon Mom you can get great deals on wipes. Again, find a great couponing site and a lot of times the members there will alert you as to when they are available. Another option is cloth diapering. If you really want to save money this is something to look into. It takes a little more time and effort but the savings are worth it. 3) Clothes. Babies need clothes. Not much, but they do need them. Personally I never buy baby clothes new for several reasons. Baby clothes are either destroyed or in perfect condition. A baby either had a blowout or spit up that stained their outfit permanently or they wear it for two minutes and got changed into something else. Babies grow fast in that first year, and often clothes do not get very worn out. Talk to fellow moms about consignment sales. Where than likely they know with the good ones are. There are many mom owned small sales as well as church sales where you can find unbelievable deals. As a first-time mom you more than likely will want to buy many cute outfits. Let those be gifts. People want to give you gifts. Take something back from your registry that you really don’t need or could buy used and buy all the cute outfits you want. When it comes to YOUR money though, stick to used. The money you save will be better put towards other things in the future. Another thing is that many stores (in particular Target) have great seasonal sales. If you keep an eye on the clearance racks, you will be able to spot some great deals on outfits after the holidays are over. Those clothes are a great deal (even if there are little four leaf clovers or pumpkins all over them).

Where NOT to skimp when Budgeting for a New Baby:


1) Carseats. Seriously, don’t do it. When it comes to the safety of your most treasured possession, do not cheap out! If you can’t afford the most expensive seat on the market, it doesn’t matter. There are plenty of wonderful safe options in many price ranges. You might be able to find a program that provides a free car seat in exchange for taking a short class. This is where joining a mommy group online or Google can really be your friend. Do the research yourself. Make sure your child’s safety is first and foremost.

2) A carrier. It doesn’t matter which one you choose, but regaining the free use of your hands again is worth every penny. Baby wearing is a gift to you and your child if done safely. Research your options and if you buy quality, you will be able to use it for many years.

Remember you are raising this child for the rest of their life. They will not look back at pictures and think you should’ve spent more. They will remember if you had to work all the time and were stressed all the time to make ends meet. Focus on the road to financial freedom that grants you more time to be there to enjoy them growing up.

Best Frugal Tips

Read part 1 of Angie’s Living on $30,000 Best Frugal Tips on Thriving and (not just surviving) on $30,000 a year!

Basic Home Budgeting

Part 2 – Basic Home Budgeting

How to Budget Monthly

Part 3 – How to Budget Monthly Finances Wisely

How to Not Spend Money

Part 4 – How to Not Spend Money

Smart money saving tips to get your debt under control.

Part 5 – Smart Money Saving Tips to Control Your Debt

Money Management Skill

Part 6 – Money Management Skill

couple money talks

Part 7 – Why Couples Should Talk About Money?

Find out the secret on How to Use Your Tax Refund to Build Wealth

How to Use Your Tax Refund to Build Wealth

How to Manage Food Budget for Family?

How to Manage Food Budget for Family?

Angie Rumpf

I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.

For more Best Frugal Tips, read these:

get rich

How to get rich in 5 minutes a day

frugal ways to save money

Frugal Ways to Save Money: Getting Out of Debts

30,000 image.jpg

How to Save Up Money: Tips for Living on $30000 or Less

Living on 30000 or Less: Raising a Family of 6

Living on 30000 or Less: Raising a Large Family

Basic Home Budgeting

Thriving and (not just surviving) on $30,000 a year is easier when you know about Basic Home Budgeting!  This post is ideal for getting you started on making your budget easier to manage even when you are living on a lower than average annual income.

Basic Home Budgeting is a must for anyone trying to stay within their budget on a lower than average income!  See how we cut out extras and thrive!

Basic Home Budgeting Tip: Realistically look at your budget!

In order to really get your money in order and be able to survive and thrive on less than you think you can is actually simple. It isn’t simple as much as it is simplicity. Make quick changes and cut back deeply. Go on a debt diet (so to speak).

Basic Home Budgeting Tips to Thrive on $30,000 or less a year

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Why Couples Should Talk About Money?

Why Couples Should Talk About Money?

couple money talks

One of the biggest chunks of money that you cannot trim out of your budget can be alimony/child support. The truth is that in the case of bills that cannot be trimmed down you have to cut money and other places to subsidize them. They must be paid. The only advice I can give on that part of your budget is to try to find ways to prevent getting there. Talk about money with your partner.

Why Couples Should Talk About Money?

Money can be one of those topics that will cause extreme arguments in most couples. One thing my husband and I like to do is purchase a lottery ticket every week. We play our birthdays and our anniversary and put a dollar down. $52 a year can do so many things. The biggest thing is that it starts is conversation. It opens the door to talking about a variety of topics that normally don’t get covered. We like to daydream about winning the lottery and what we would do with our winnings if we got it. If the lottery jackpot is really high or topics usually tend to be “what vacations we will take, what cars we would like to have, where we would send our kids to college….”. If the jackpot is small, the conversation tends to be a little more realistic (“how much would we give to family members, what repairs we could do around the house, what are the different types of investment plans”). The “in between” weeks we tend to talk about things like “what our favorite charities are or did you hear about this project we could donate to, would we ever want to open our own business?”. The great thing about it is that for one dollar a week we buy ourselves a lot of silly daydreaming and great talking points. We also learn a lot about each other and what the other one likes and dislikes. It helps maintain our connection to who the other person is growing and changing into. It also is a great way for us to segway into talking about any concerns we have about our finances.

A lot of times couples do not want to talk about things such as the other person spending habits or debts that need paid. There’s a lot of shame and secrecy when it comes to money. It is the type of things that can destroy a family. And then it leaves you with an unchanging unmovable section of your budget that you have to accommodate every single month.

Best Frugal Tips

Read part 1 of Angie’s Living on $30,000 Best Frugal Tips on Thriving and (not just surviving) on $30,000 a year!

Basic Home Budgeting

Part 2 – Basic Home Budgeting

How to Budget Monthly

Part 3 – How to Budget Monthly Finances Wisely

How to Not Spend Money

Part 4 – How to Not Spend Money

Smart money saving tips to get your debt under control.

Part 5 – Smart Money Saving Tips to Control Your Debt

Money Management Skill

Part 6 – Money Management Skill

Angie Rumpf

I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.

For more Money Tips, read these:

get rich

How to get rich in 5 minutes a day

frugal ways to save money

Frugal Ways to Save Money: Getting Out of Debts

30,000 image.jpg

How to Save Up Money: Tips for Living on $30000 or Less

Living on 30000 or Less: Raising a Family of 6

Living on 30000 or Less: Raising a Large Family

Money Management Skill

Thriving and (not just surviving) under $30,000 Part 6

Money Management Skill

Money Management Skill

The important money management skill that we should learn asap is to stick to your budget and hold yourself accountable.

Accountability is hard. Persistence is hard. If it was easy, everyone would have everything they want exactly when they want it. At the end of the day, what is important to you? It takes time and hard work. If you to want to head toward the goal of not needing to work to live, then you must chip away and the things keeping you from that goal. If you want to live more and work less, you need to get to a point where you don’t need more than you have. Do whatever you need to do to make the goal forefront I your mind. Do you need your partner to check you when you get off track? Great! Then get them on board with the plan so they can help and encourage you when you are faltering. Do you need a dream board? Great! Some people need to see that cabin in the mountains, that trip to Disney, that new car to help making sacrifices an easier thing to do. Do you live electronically? Great! There are many programs out there that can help you stay on track to achieve your goals. Find what works for you and stick to it. But beware your darlings, if it isn’t working for you then change it because it will quickly work against you. Reevaluation of your priorities is crucial. Money can buy you happiness. Not because if the amount you have in the bank, but because of the hold (or lack of a hold) that it has on you. Consider why you are living lean. Remember that a little bit of sacrifice can pay off huge with a little bit of time, preparedness, and commitment. It is tough, but life is tough. Make the sacrifices as long as they serve the purpose of the bigger picture. Only you can make this change in your life. Pennies do add up and you will be surprised how quickly you see a real change in your life.

Best Frugal Tips

Read part 1 of Angie’s Living on $30,000 Best Frugal Tips on Thriving and (not just surviving) on $30,000 a year!

Basic Home Budgeting

Part 2 – Basic Home Budgeting

How to Budget Monthly

Part 3 – How to Budget Monthly Finances Wisely

How to Not Spend Money

Part 4 – How to Not Spend Money

Smart money saving tips to get your debt under control.

Part 5 – Smart Money Saving Tips to Control Your Debt

Angie Rumpf

I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.

For more Money Management Skill Tips, read these:

get rich

How to get rich in 5 minutes a day

frugal ways to save money

Frugal Ways to Save Money: Getting Out of Debts

30,000 image.jpg

How to Save Up Money: Tips for Living on $30000 or Less

Living on 30000 or Less: Raising a Family of 6

Living on 30000 or Less: Raising a Large Family