amazon giveaway

Did it go from winter straight to summer where you live? It did here. Spring and fall are my favorite seasons, but it seems like more and more, these two seasons go by far too fast, or skipped altogether. In celebration of my favorite season, I wanted to join withRead More →

couponing for real people

Not everyone wants to be an extreme coupon user, but the money savings they offer can be attractive. Sure, they have a storeroom full of their trophies, but you just want to cut down on the grocery bill. Here are some tips on saving real money with couponing without goingRead More →

May is almost gone and the best way to end this month is to give you a chance at winning another giveaway! It’s an easy entry… if you are on Instagram, just follow me and some other awesome Instagrammers for a chance to win a Nordstrom gift card! If you’reRead More →

Stay Cool Cheaply

I certainly enjoyed those two days of Spring this year. But now Summer is almost here, and it is bringing the heat with it.  If you are like me, you wish there was a way to stay cool without breaking the bank. Well, here are some tips I found to helpRead More →

Sping Clean Finances

We’ve kicked old man winter to the curb, and Spring is finally here. And that means it’s time to spring clean. If you think we mean spring clean your home, well, you will probably be doing that too, but we want you to spring clean is your finances. So, let’sRead More →

This is our very first giveaway here at Personal Money Sense, and we could not be happier to offer one of YOU a cash giveaway! Who couldn’t use a little extra cash? We suggest, saving it for a rainy day, paying on a bill, or heck, it’s free money, soRead More →

debt to income ratio

One of the effective tools lenders have at their disposal is the debt to income ratio (DTI). They can use this in combination with a credit report and income to get a good indication of your ability to pay back a loan. Beyond that, the DTI can be a handyRead More →