Frugal Tips: Dorco USA Review

One of the things that I see as a necessity, but used to hate paying for was razors and razor blades. They seem so simple to make, they have been around forever, and are obviously mass produced. Yet they always seemed to cost a fortune! If you go into your local CVS or Walgreens, you may even find that the razor blades are locked up because they are so damn expensive. That...

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Posted in Frugal

New Student Loan Agreement on the Horizon

It seems like Congress is finally closing in on an agreement to and while it doesn't solve the underlying problem (the easy source of money giving colleges an incentive to keep increasing tuition), they claim it will solve the problem of certain interest rates jumping from 3.4% to 6.8%. This agreement will tie the interest rates to the market rate, or the 10-Year Treasury...

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Posted in Student Loans

Student Loan Progress - July 2013

As I was preparing to write this post, I was starting to feel a little burnt out about my debt again. But I have to realize that I'm making progress and keep pushing towards my goal to be debt free. I'm treating it like like as much of an emergency as possible with every last dollar going towards my goal! Since I've started this blog I'm doing much better and trying to put a minimum of $2,000 towards...

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Posted in Student Loans

Why Aren't We Graduating From College?

A recent article on the Harvard Business Review blog discussing the current state of college education. Their summary? It's not looking pretty. A little over half of students are completing their four-year degrees within 6 years, and only 26% (!!!) of people getting two-year degrees finish within 3 years [1] . That means that a large portion of the second half of those...

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A new way to approach student debt?

It looks like Oregon is on it's way to attempting to solve the student loan crisis in their state. But just how feasible is their solution? The basic concept of the plan is that you would not receive any traditional loans and you would not pay any tuition. You heard that right: no student loans. What you would do upon graduation is pay the University 3% of your income for 25 years. Essentially...

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Posted in Student Loans

Living Paycheck to Paycheck

There was recently an article on CNN Money that a staggering 76% of Americans are living paycheck to paycheck, something that was very disheartening to read. About 16% of Americans are considered to be below the poverty line in America [1], so it's crazy to think that 76% of people are also living paycheck to paycheck. One would think that this number should be lower? If...

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Monthly Budget Review - June 2013

Sorry that this post is a little later than usual, but I was down at the beach for a long July 4th weekend with the girlfriend :) You will also notice that I ditched the weekly spending posts - I had only planned on doing that to see how my spending was going on a running basis. After realizing it's pretty much in control and much lower than I was expecting (maybe it was posting it on the internet...

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Posted in Monthly Budget

Cutting out that morning coffee? Congress sure isn't!

One problem that I have never had to deal with is having to rush to make sure to get my morning coffee at Dunkin Donuts or Starbucks. And it's not because I make my own coffee either, it's because I'm really just not a coffee person at all. It's strange as both my parents are pretty big coffee drinkers, as well as there parents. I tried it few a times and...

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Posted in Frugal