About Me

My name is Tina Roth and I am 34 years old. I live in Florida, the USA with my husband and 2 kids. I work a pretty typical 9 to 5 job. I love to read, write, travel and try new things in life. I’m a home chef, constantly on the hunt for the perfect frugal weeknight meal. I enjoy yoga and trekking in the woods.

If you have any questions, feel free to contact me at /[email protected].

During my college years, I incurred a lot of debt because of impulse shopping. It took me time to clear the debt, but I learned a lot in the middle. The decision to stop spending extra can make significant differences in one’s life. The sooner we learn it, the better. Finding earning opportunities is hard, especially at certain ages. That’s why additional skills are useful.

I also realized consumer loans, personal finance, and debt accrual are linked, in more ways than we could imagine. The importance of hard cash is overwhelming. It’s better to save money at a targeted rate and keep the cash in a saving jar than to rely on credits. Training oneself to avoid borrowing money – from payday lending agencies to banks, is necessary. So is understanding the debt accumulation method.

The lessons have expanded my knowledge base and turned a sloppy shopaholic like me into a go-getter when it comes to money. I take fun in throwing away pieces of my knowledge, and even more, fun seeing people (readers) picking them up.

I had multiple debts – on credit cards, to community leaders. My target was paying off one debt at a time, and the credit card debt was the priority. I selected the card that had the smallest balance and highest interest rate and cleared the debt on it first.

The Lesson learned from this is one should determine his priority when facing multiple financial hardships.

If you have any questions, feel free to contact me at [email protected].

The payment information chart was laid out in front of me, and I could easily get away (for a short time) by paying the minimum. It’d have kept me in the nefarious debt loop for a long time, though.

But I didn’t select the easy route. I worked for extra hours, cut down on monthly utility bills, and amassed money through online data entry jobs, only to pay out more than the minimum debt amount, so I could end this uncomfortable chapter soon.

Last but not the least, I took advantage of the low balance transfer rate and consolidated all debts. I did it because I lacked a home equity line of credit. If you are privileged enough to have it, use it to pay off the debt.

Why did I start this blog?

The idea of starting a blog has been hitting me for a long; I took it seriously after falling into a spiral of debt and recovering from it.

I have been anxious all through the financial difficulties. I see that same anxiety in the eyes of people, whose ill fate has put them at odds with financial repose.

It makes me compassionate. Out of this compassion and goodwill, I started this blog. I wanted to help all those, who are facing financial distress.

Many have a burden of debt on their shoulders. An even more number faces problems managing their personal finance. I can give them helpful advice.

The basic concepts of personal finance often stay shrouded in mystery due to over-interpretation and the use of ambiguous terms. In this blog, I hope to be as direct as I could and share with readers the real-world techniques and strategies that work.

Something worked for me, doesn’t mean it’ll work for you. For a plan to work, especially in the finance segment, it needs to be customized. I keep that in mind when I draft a new post. Because of this, you’ll find every post useful, and with customized tips shared in them.

Whether you want to know the actual cost of gardening, set up an IRA account, or need income tax-related advice, this blog is always ready to help you. Not just any advice, get the best advice.

All are not born with a silver spoon in their mouth and getting at the top while starting from scratch gives you a very different kind of experience. Through my blogs, I share my own experience of regaining financial stability, developing the habit of saving money, and yes, how to create a fortune so that you can live a better and wealthier life.

Act before you suffer

Yes, a proactive approach to your financial life is extremely important.  For that, you need to be more responsible with your money, whether it is your earnings or pocket money received from your parents. Though I cannot expect the kids to read the blogs lessons of financial responsibility should be taught when they are in their primary schools. In that case, parents need to be more responsible in their personal life as well as when it comes to teaching the children not to spend frivolously.

Money makes things sweeter for you as long as you are not borrowing. Manage it with what you have. Cut your aspiration as per your budget and if you aspire more, try to earn more. I believe you can be a pauper even if you have a lot and can be a wealthy person even with a petty sum but financial intelligence and knowledge. There are many boldfaces who started from a not-so-good financial background and climbed the peak of prosperity.