Do you lay in bed at night thinking about money? Do you get stressed on Sunday evening knowing you have to go back to work Monday morning?

Maybe you do, maybe you don’t. It really doesn’t matter if you’re a financial rock star or on the financial rocks – we all want the same thing: financial freedom.

But what’s stopping you?

I was reviewing my finances today and thinking about how much harder I’m going to need to work to hit that financial freedom mark. Right now, I’m not even close. So I started mapping out a plan to accelerate my journey.

Here’s what I need to do:
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Death is a nasty business. But it’s a business, nonetheless.

As our parents and family members age, it’s our job to deal with the aftermath of their passing. This is never an easy subject to discuss, but if left unaddressed, you could end up with less than nothing.

If you’re fortunate enough to land an inheritance, you’ll want to hold on to as much of it as possible — for paying bills, adding to your savings account, or buying that Harley-Davidson you’ve always wanted.

But, things come up. Dreams can get sucked right into someone else’s wallet if you’re not careful.

Here are a few things you can do to prevent your inheritance from being ripped from under you.
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When we think of addictions, few of us think of money as a habit-forming substance. However, it is completely possible to become addicted to money.

And it’s not just about becoming addicted to spending money.

“Like with other resources that have mixed uses – for example, food and sex – money is a resource that we both need for functioning and one we use to help soothe ourselves,” says Alicia H. Clark, PsyD, a Licensed Clinical Psychologist.

When you start using money to deal with your problems, or when you become dependent on money for thrills, it becomes too easy to let things get out of control. [ continue reading… ]

For the first few years of our marriage, my ex-husband and I lived paycheck to paycheck.

I barely made over minimum wage, and although he made significantly more than I did, it still wasn’t a lot. We had a mortgage payment, as well as a stack of credit card debt accumulated from my ex being out of work for a year because of an injury. We struggled, but we got by. And eventually, we pulled ourselves out of the paycheck to paycheck cycle.

Then, in the summer of 2012, I became a single mom – and once again, I had to learn how to pull myself out of that vicious cycle. I’ve done it twice now, and if I can defeat the paycheck to paycheck lifestyle, I know you can, too.
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If you, like me and many other mothers and fathers, have decided to stay at home with your children for a few years, it may seem as though you’re sending your career on a fast track to nowhere by taking time off. That is certainly one of the concerns that would-be stay-at-home parents often cite as part of their decision-making process. And while putting your career on hiatus will certainly cause some changes in your career trajectory, that does not mean that those changes have to be negative. Here are some ways to make sure you can balance your time at home with the kids with a long and satisfying career:
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Freunde im Park beim Picknick

Many of us weren’t born frugal. We had to convert to frugality so we could survive financially. And it’s hard, I know. I’m one of those people.

I used to come and go as I pleased. Bought what I wanted. Ate out as often as I cared to. As a result, I ended up with a mountain of debt — that my parents bailed me out of more than once. As thankful as I was, it took me a lot longer to learn lessons that others seemed to grasp without much effort.

Learning to be frugal was brutal.

I had to shift several behaviors before I could be financially intelligent. Once I did, the monkey on my back lightened a little, and then finally, a lot. I don’t know that I’ll ever fully adapt, but there are three things that have made my transition much easier.

Here are my tips to help you lose the frugal blues:
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