The Debt
Diva's 2009
Financial
Guide

Take the Diva's advice, and make this year your money-saving best!
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Shop For Clothing, Accessories and Home Goods at Discount Retailers

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The Debt Diva in Print:

The Debt Diva pops up in publications from around the country, offering her money-saving tips from coast to coast. Take a look at what she's saying.

Five Easy Ways to Manage Finances

TheLucrativeInvestor.com   May 22, 2009
In an economy that no longer requires description because everybody reading these words is up on the doom and gloom, it is nice to know how to effectively manage what funds are actually coming in, and how to efficiently manage how much month is left at the end of the money... Read More.

Getting Yourself Out of Credit Card Debt

Fabulous & Frugal   May 4, 2009
It’s one of the great American past-times: ringing up Credit Card Card Debt. Many of us find ourselves in over our heads and have no idea how to get out... Read More.

Getting by in the Great Recession

Chicago Free Press   April 30, 2009
Face it, the “ditch the morning latte” tip to help you curb unnecessary spending, while useful, isn’t going to cut it during these dire financial times... Read More.

Creativity is Key to Facing Emergencies Without Savings

DallasNews.com   April 20, 2009
One of the fundamentals tenets of financial planning is you should build up enough of a cushion to withstand an unexpected financial emergency... Read More.

What's Your Credit Personality?

MSN Money   April 14, 2009
Knowing how you're likely to use credit can help you choose wisely from the array of card choices. Here are 6 money types, along with some suggestions (and warnings)... Read More.

Life on a Debt Diet

Boston Herald   April 8, 2009
If you’ve had to put your finances on a diet, even a casual invitation to dinner is like being handed a slice of cake while you’re on Weight Watchers…... Read More.

Your Life for Less

CareOne Credit Counseling   April 7, 2009
The Debt Diva offers tips for getting out of debt and back in control... Read More.

How Kids Can Make Money

SheKnows.com   March 13, 2009
How can kids make their own money? If this economy has gotten you to think out of the box in terms of creating a more robust cash flow, you’re not alone... Read More.

8 Surprising Ways to Hurt Your Credit Score

WalletPop.com   February 27, 2009
As the ongoing credit crunch forces lenders to tighten their wallets, your credit score has become more important than ever... Read More.

Execising on a Budget

The Dallas Morning News   February 18, 2009
Just found this new site, The Debt Diva, with some cool ideas on how to execise without spanding a panny... Read More.

The Debt Diva’s Frugal Fitness Guide

CareOne Credit Counseling   February 17, 2009
Break a sweat without breaking the bank to stay frugal and fit in 2009... Read More.

The Debt Diva’s Valuable Valentine’s Day Tips

CareOne Credit Counseling   January 30, 2009
Frugal ideas for a romantic and affordable holiday... Read More.

Guest Blogger Friday Debt Diva

The Organizing Mama.com   January 23, 2009
Organizing your budget. Ahhhhh Don't you just love the fresh start a New Year brings... Read More.

Foreclosure Crisis of 2008 Should Serve as a Lesson for Steering Through 2009

Foreclosure Repos   January 12, 2009
There is no doubt that many will be relieved to bid adieu to 2008 and its record breaking number of house foreclosures... Read More.

New Year's Tips From the Debt Diva

Tampa Bay Tribune   December 31, 2008
Make your New Year's resolution to set time aside in the first week of 2009 to think about your personal finance goals for the New Year... Read More.

Jingle All the Way into the New Year

Clutch Magazine   December 16, 2008
People’s pockets are holding less change these days. Make sure yours jingles all the way into 2009... Read More.

Cutting Corners: Your Christmas List on a Budget

CBS Miami   December 15, 2008
Gift shopping can often lead to as much stress over the holidays as dealing with family members... Read More.

The Debt Diva’s Top Ten Tips to Financial Stability

CareOne Credit Counseling   December 11, 2008
Make it your New Year’s resolution to get your finances in order for 2009! Read More.

Tips for Saving Money While Spreading Holiday Cheer

Take5Moment   December 10, 2008
As the country settles into a recession, many consumers are looking to cut costs without compromising the Christmas cheer. The tricks is to... Read More.

How to Avoid Hidden Holiday Travel Costs

Newsweek   December 8, 2008
Airlines, hotels and rental cars all have hidden fees. Here's how to get around them... Read More.

Holiday Tips from The Debt Diva!

Fabulous & Frugal   December 5, 2008
The Debt Diva shared her Top Holiday Tips to get a handle on holiday spending with Fabulous & Frugal... Read More.

Tips for Saving Money While Spreading Holiday Cheer

mlive.com   December 1, 2008
Breaking news: the economy is a hot mess. Our would-be presidents are catfighting about it. We can't sell our homes for baked beans. Everyone is really grumpy and... Read More.

10 Smart Shopping Rules to Save Money

Essence   December, 2008
Get great gifts while you cut costs - and still have a merry holiday... Read More.

Low on Cash These Days? Shop Smart

Reading Eagle   November 30, 2008
As the country settles into a recession, many consumers are looking to cut costs without compromising the Christmas cheer... Read More.

The Year of Holiday Thrift

The Christian Science Monitor   November 28, 2008
More consumers than last year say they'll look for bargains. Thrift shops are in... Read More.

Black Friday is No Time for Winging It

Tampa Bay Tribune   November 27, 2008
Finally, the tanking economy's silver lining: Black Friday. This most hallowed of shoppers' holidays will be bursting with bargains and, even better, there will be fewer hands fighting over the discounts in the predawn scramble... Read More.

Black Friday - It’s a Retail Jungle Out There

Bend Bulletin   November 26, 2008
Black Friday can bring out the best and worst in people. This retailer-created “shopping holiday” falls on the day after Thanksgiving and is called “black” because... Read More.

We're Still Going to Shop, But We Have to Be Smarter - Here's How

Hampton Roads   November 26, 2008
Supposedly, few people have money to burn lately, but you'd never know it based on what I'm seeing at some area stores... Read More.

Shop Smart for Holidays

The Charlotte Post   November 25, 2008
With so little money and so many gifts to buy, people to feed and a Christmas tree to put up, what are you to do when the economy is in the tank? Read More.

4 Ways to Make the Most of Black Friday/Cyber Monday

The Lean Green Family   November 24, 2008
As you know some of the holiday's biggest shopping days are almost here. They are... Read More.

Freebies- Homeschool/Homemaking/Holidays

Pawpaws Holler Home   November 22, 2008
Do you need some organizing and planning help for the holidays? Check out... Read More.

Holiday Meal Planning and Shopping

Stuff 2b Organized   November 16, 2008
One way to curb the extra stress and spending during the holidays is to plan and prepare ahead of time... Read More.

8 Tips to Keep You From the Holiday Hole of Debt

FresnoBee.com   November 15, 2008
Stay in the yuletide spirit this season, and stay out of the red... Read More.

A Girl's Guide to Keeping Her Finances Fit and Fabulous!

A Woman$ Worth   November 14, 2008
For cool tools to assist you in staying organized and within your budget this holiday season... Read More.

Halloween on a Budget: Costume DIY

SheKnows.com   October 20, 2008
According to the Halloween Spending Report by the National Retail Federation, Halloween is the most popular holiday after Christmas with consumers spending nearly $5 billion for decorations, candy and costumes. While you may splurge on pumpkins and candy for this expensive holiday, there’s one area where you can skimp, get creative and still have family fun. That’s right, we’re talkin’ about costumes... Read More.

Have a Frugal and Festive Holiday with The Debt Diva

The Debt Diva   October 16, 2008
The Christmas and Hanukkah decorations are already crowding the Halloween costumes in many stores across the nation... Read More.

Sell Stuff, Shop for Discounts to Afford Fall Clothes, Shoes

Fort Wayne Gazette   October 13, 2008
Breaking news: the economy is a hot mess. Our would-be presidents are catfighting about it. We can't sell our homes for baked beans... Read More.

Food for Thought

Cent$ Magazine   October 2, 2008
These days even a trip to the supermarket is cause for anxiety. Rising prices are pinching budgets for just about everyone... Read More.

The Debt Diva Scares up Savings for Halloween

The Debt Diva   October 2, 2008
Ways to save on Halloween costumes, decorations and entertainment... Read More.

Debt Reduction: The Debt Diva Interview

lovetoknow.com   n/a
Sometimes it’s easier to take debt reduction advice from someone who’s been in that hole and climbed out. Meet Clarky Davis, The Debt Diva at Care One Services, a debt relief service. Davis offers real world financial advice for making your budget fashionable. In fact, her mantra is "frugal is the new black"... Read More.

10 Ways Students Can Build Good Credit

Creditcards.com   August 16, 2008
One of the most exciting parts of growing up is becoming financially independent, but learning how to do so can be challenging. Building good credit is a must: It will help you qualify for loans, auto insurance, rental applications, cell phone plans, and can even affect whether you get a job. How do you get started? Put simply, it all comes down to being responsible.... Read More.

The Debt Diva Plans for Christmas in July

The Debt Diva   July 18, 2008
Avoid debt and save money this holiday season by starting early... Read More.

Insights Into the Value of a Good Credit Score

creditcard-blog.com   June 30, 2008
Unless you’ve been living in a cave for the last five years or so, you’ve probably been bombarded with advertisements and offers for free credit reports, notes AP9 PrivacyMatters123, a leading membership security program offered by Adaptive Marketing LLC. As important as credit reports are, there’s another piece of related financial data that consumers should keep their eyes on — their credit scores... Read More.

Frugal is the New Black

The Debt Diva   June 12, 2008
The Debt Diva explains why living on a budget and paying down debt is en vogue... Read More.

The Bumpy Road to Financial Independence

finallyfrugal.com   May 16, 2008
I received my $600 rebate check on May 9th. That same day, I transferred the money to my ING Emergency Fund account, where it joined its friends and is hopefully now making babies. I was curious about what others decided to do with their checks. I found a post on Wise Bread asking this same question, and here are some of the responses... Read More.

Great Tips for Getting Debt Under Control

stacksandstacks.com   May 16, 2008
Tax refunds will be arriving in your mailbox or directly deposited in your bank account before you know it... Read More.

Windfall Can Provide Financial Turning Point

Business Wire   May 12, 2008
Persistent Stress Caused by Financial Worries Can Lead to Physical and Mental Problems Such as Hypertension and Eating Disorders, Say Experts... Read More.

Your Credit Card Personality: The Diva/Big Spender

Creditcards.com   May 2, 2008
You work hard. You play hard. You like the best of everything. After a tough day at work, you'll tell yourself you deserve a treat, whether it's a new pair of shoes or the latest gadget on the shelf. Many of your purchases are impulse buys. Occasionally, this gets you into trouble when your purchases extend beyond your financial means... Read More.

Streamline Your Budget Before the Recession Kicks In

bohemianrevolution.com   March 24, 2008
The headlines are alarming. February job losses are up, the dollar is weak, and oil prices are above $100 a barrel. Many economists are warning that the U.S. is headed for a recession – or may already be in one. So what should the average American do?... Read More.

Recession Proof Your Budget

Business Wire   March 18, 2008
The headlines are alarming. February job losses are up, the dollar is weak, and oil prices are above $100 a barrel. Many economists are warning that the U.S. is headed for a recession... Read More.

The Free Lance-Star Reports Rise in Credit Counseling Calls

The Free-Lance-Star   January 22, 2008
Credit counselors say money woes go beyond overspending during the holidays... Read More.