Welcome To Money Smart Guides!

Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

Last Minute Christmas Gift Ideas Under $20

20 dollar billOh no, you waited until the last minute to do your Christmas shopping, and unfortunately you don’t have the budget to just throw money at the problem. So what can you do? Luckily there are a number of options for quick, easy, last minute Christmas gift ideas that you can put together for twenty dollars or less, allowing you to save the holiday without breaking the bank.

Bake Some Cookies

Rather than heading to the mall, why not head to the kitchen? Baking a gift of cookies, cupcakes, muffins, or other homemade goodies can be a great way to show someone that you care during the holidays. Ingredients will usually only cost a couple of dollars, and you may even have the necessary materials in your cupboard already. Preparation can take some time and forethought, but you can cut down on that by using a pre-made mix if you’re in a particular hurry.

The one important thing to be aware of are any dietary restrictions that the person being gifted these treats may have due to culture or health. There’s nothing worse than receiving a plate of warm delicious temptations that you just can’t partake in. [Read the full article]

The Round Table – December 14, 2014

wood round table

I hope everyone had a great Thanksgiving and is getting ready for the holidays! We had an awesome Thanksgiving and just decorated our house for Christmas this weekend. My shopping is just about done too. I took a few hours on Cyber Monday to buy all of my gifts. Was it me or were this year's Black … [Read the full article]

Tips To Avoid Debt When Holiday Shopping

avoid debt when holiday shopping

It can be easy to get carried away with holiday shopping. It’s a magical season, and the spirit of giving can be almost intoxicating as you dart from store to store trying to find the perfect gift for everyone on your list. However it’s important not to go too far and end up spending yourself into … [Read the full article]

Why Life Insurance Is Not A Good Savings Plan

life insurance poor savings

It’s been a pretty popular idea to use a life insurance policy as a savings plan. The money is always there to withdraw, right? However, the following five reasons are all why life insurance is not a good savings plan. In many cases life insurance is important to have and with today’s quote websites … [Read the full article]

Five Reasons Business Owners Mistakenly Believe They Cannot Accept Credit Cards

mobile payments

It’s tough to survive as a small business in today’s economy. The competition is intense, and to survive, you need to find any advantage available. Naturally, an increase in sales will always be welcome, and there is no better way to do this than by accepting credit cards. Some people will only pay … [Read the full article]

How To Live On $1,000 A Month


I found the online game Spent last night and must say it is a very eye opening game. The premise of the game is that you’ve lost your job and house and are down to your last $1,000. Can you to survive on $1,000 for a month? As you play the game, you need to find a job, a place to live, buy food, and … [Read the full article]