Blog – Page 8

Never Feel Broke Again (Even When You Are): Ways to Never Feel Penniless

Merriam Webster defines broke as being penniless. An example of broke in a sentence is "I'm broke until payday." Everyone feels broke at some point in time. Being broke can include not having enough money or any money. However, there are ways you can never feel broke again (even when you are). I was very broke while I ... read more

Never Feel Broke Again (Even When You Are): Ways to Never Feel Penniless

Merriam Webster defines broke as being penniless. An example of broke in a sentence is "I'm broke until payday." Everyone feels broke at some point in time. Being broke can include not having enough money or any money. However, there are ways you can never feel broke again (even when you are). I was very broke while I ... read more

Getting Ready To Prepare Your Budget

The steps to creating a budget may not be an exciting task unless you are a financial nerd such as myself. Creating a budget is a necessity if you plan on accomplishing any financial goal. The most crucial component of a budget is knowing all the debt you have and all the income you have. Your debt may include: ... read more

Proper Financial Planning for Your Death During Life

Two of my closest friends' mother passed away recently. This was not a sudden death as she had been sick for sometime. My friend and her sister contacted me when they became aware of their mother's illness, an illness that would lead to death. My friends contacted me to review their mother's retirement and health ... read more

How to Improve your Credit Score: Never Pay for Something You can Do Yourself

There are a lot of ways to improve your credit score. One way is to ensure that you do not have anything negative on your credit report and that you have a low balance on any loan that you have. There are companies that promise to fix your credit, ultimately improving your credit score in the end, but why pay for ... read more

Ten Easy and Doable Tips to Reduce Your Personal Overhead Expenses

Do you feel like you are in over your head with your expenses and you are looking to make some small changes to your financial life there are a few things you can do? If you know about businesses you know that most businesses have overhead expenses. Business overhead expenses are the costs to keep the business running in ... read more

My name is Takiia L. Anderson also known as The Frugal Biddy. I am a licensed attorney who was able to pay off six figures in student loan, credit card debt and car loan debt in less than nine years. I did this all the while being a single parent! I graduated from law school in 1999 with approximately $111,000 in student loan debt, an almost two-year old daughter and my entry level salary was $34,102. I made a lot of sacrifices in order to ensure that I stayed laser focused on paying off my debt and saving the maximum I could towards my retirement. Not only did I clear out six figures of debt but I was also able to save so far $500,000 in my retirement and $15,000 of an emergency fund. Additionally, I saved three years worth of college tuition for my daughter. I never had anyone sit down and instruct me on how I should deal with debt or how I should save money. I learned it all on my own. And while I am not perfect and I have made mistakes I believe that anyone who follows me will gain a wealth of knowledge. My desire is to be an accountability partner for anyone who reads my blog. I truly believe that YOU can live a debt free life and can amass savings. It may take some time but it can be done. You can also follow The Frugal Biddy on Facebook, Pinterest , and Instagram. You can also follow me on Linked In as Takiia L. Anderson, Esq. Wishing you a Fabulous, Frugal and Fun Life!