Abby HayesAbby Hayes is a freelance copywriter and blogger who writes on everything from personal finance to health and wellness. She spends her spare time bargain hunting and meal planning for her family of three.

Keep on Keeping On When Paying Off Debt

Have you been following our journey towards debt freedom so far? If not, catch my previous posts for January, February, and March. I worked up yet another depressing debt payoff chart today. It feels like we were spinning our wheels this month – getting nowhere. But the fact of the matter is that we’re doing […]

Published or Updated: May 7, 2014

How To Get Your REAL Credit Score – The One That Lenders See

A reader recently wrote in asking about credit scores. She wanted to understand why the credit score she received from the credit bureaus was different than the score used by her bank. Here’s her question: Q: I enjoy reading your blog. I have one question regarding the credit scores. I checked my credit scores with […]

Published or Updated: April 7, 2016

Credit Score Piggybacking Survival Guide

Getting the ball rolling when building (or rebuilding) credit is a classic catch-22. You need credit to build credit. If you have absolutely no credit history – or if you have a bottomed-out credit score – then lenders are less likely to extend the credit you need to start building your FICO score. You may […]

Published or Updated: February 24, 2016

How to Deal with Setbacks When Climbing Out of Debt

Confession: I dreaded writing this post today. It’s just a little depressing. See, at the end of February, Ben became unemployed. It was a decision we didn’t take lightly, and we do feel like we made the right choice. (I won’t go into all the reasons. Suffice it to say that we had sufficient reasons […]

Published or Updated: March 15, 2014

9 Tax Changes in 2014 You Don’t Want to Miss

Every year, the IRS updates tax codes to reflect changes in the cost of living. Recently, the IRS announced tax law changes for 2014. Many of these relatively minor changes could affect you in the coming tax year. Remember, these 2014 tax changes affect the tax year 2014, so you won’t see these changes reflected […]

Published or Updated: March 17, 2014

2 Education Related Tax Changes You Don’t Want to Miss in 2014

Each year when the IRS releases tax law changes, everything from the basic tax brackets to retirement account limits change. And these changes affect many credits and deductions, including education-related tax credits, such as the Hope Scholarship and American Opportunity Tax Credit. In 2014, some of these credits are going up, so you can claim […]

Published or Updated: March 6, 2014

How to Find the Best Prepaid Calling Cards

Google the term “prepaid calling cards,” and you’ll be hit with a dizzying array of options. But when it comes to calling cards, more options may not necessarily be better. In fact, sorting through all those calling cards can be a huge headache, to say the least – especially since many of these cards come […]

Published or Updated: February 20, 2014

6 Tax Changes for Parents in 2014; I’ll be Using No. 3 to Save a Bundle

Every year, the IRS updates tax laws to account for inflation, and this year is no different. In 2014, parents, in particular, will find several tax-related changes that may affect their credits and deductions on their 2014 taxes. Remember, changes to tax law for 2014 won’t affect you until you file your 2014 taxes in […]

Published or Updated: February 18, 2014

The Only Guide to Self-Employed Retirement Options You’ll Ever Need

As a self-employed individual or freelancer, you’re in a unique position when it comes to saving for retirement. You won’t get the benefit of an employer-matching 401(k), not if self-employment is your full-time gig, but you do have access to a variety of tax-advantaged retirement accounts. And you may be able to sock away more into […]

Published or Updated: April 1, 2014

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