Author: TDS

TDS Salutes: Ms Strobel & Mr Smith

Here’s a salute to two prodigious dollar stretchers living in Portland, Oregon. The New York Times recently profiled the effort of Tammy Strobel and her husband, Logan Smith, to worker smarter, not harder, when it came to their financial fitness.…

Don’t Pay for your Child’s College Education

Does it strike anybody else as strange that there is an unspoken assumption that parents ought to pay (in part or in full) for their children’s college education? And not only are parents expected to pay for this cost, they…

Marriage: I Love You to Debt?!

“Love is patient, love is kind. It does not envy, it does not boast, it is not proud …” – I’m certain most of us have heard this often referenced passage from Corinthians while attending the wedding ceremony of a…

Pandemic of the Minimum Monthly Payment

There is a disease that haunts the lives of many Americans – an underreported disease affecting millions of individuals, couples and households. While the symptoms are easy to detect if you know what to look for, this curious sickness is…

Correcting Errors in your Credit Report

“Dear The Dollar Stretch … I recently read your post “Understanding your Credit Score” … great post. Anyways it got me motivated to request a copy of my credit report from Experian. I’m in my late 30’s and honestly can’t…

The Emergency Fund – Establish your Safety Net

If nothing else, I think the Great Recession may have served as a much needed wake up call to many American households. In saying that, I certainly do not mean to diminish the financial and personal struggles of those individuals…

0% APR Credit Card Balance Transfers – Right for you?

I was having coffee with a friend this weekend and at some point during our conversation she mentioned how frustrated she was with the interest rate she was paying on an existing credit card from Chase. Now Rebecca is aware…

Ten Tips to Lower Your Car Ownership Costs

1. Raise your Insurance Deductible – call your car insurance company and ask to raise the deductible on your auto insurance policy. Your deductible is the amount of money that you will have to spend out of pocket before your…

Understanding Your Credit Score

Are you a servant to your lenders? What is your relationship with your creditors and lenders? When it comes to borrowing, how do banks, mortgage lenders, automobile dealerships, and other creditors view you? In large part this question can be…

Credit Card Rules

Like any tool, Credit Cards have a proper and an improper use. In the wrong hands, a useful tool can be a destructive force. But that same tool, in the hands of somebody that knows how to use it properly,…