Here at RentFoodBroke we have spent quite a lot of time thinking about ways to mitigate or undo our personal debt. It's been a great couple years, but it seems like our market (that would be you) isn't really interested in reducing expenditure by getting more bang for the buck or paying down high credit card premiums. So, we've decided to shift our focus. We'd like to join the 1%, so we're going to act like we are already there by making 10 Quarter-Year Resolutions about how to spend more.

I just saw another Walmart commercial talking about how layaway is back for Christmas. Who's pumped!?! Well at least 2,841 people who took a poll on about.com are excited along with the 829 who supported a Facebook campaign to bring it back to Walmart are. This is a pretty interesting move to get people spending more on the holidays.

One of the easiest way to keep your savings account growing is simply not to spend money. It would make sense to always search for and go with the best deal, but that’s not always the case. Their are two other important aspects to consider when bargain shopping: time and long term value. The cheapest items can sometimes end up costing you a great deal more than you’d think.

Before you buy, get quotes and brush up on your negotiating technique. My mom used to tell me to let my fingers do the walking and call places before driving around to see if they had what you were looking for. The same thing goes with cars. Online quotes are your golden ticket to the best deal.

Whether you’re looking for a loan or to pay with cash, look at your budget and determine the maximum you can spend. It is important to determine this price or monthly payment before even researching or getting ready to buy. It’s easy to see different models or more features and think the price in manageable in the heat of the moment. Be honest with yourself about what you can afford, as much as your car is a statement as to who you are and your style, most importantly it’s a tool and a big financial commitment.

Buying a car is one of the more stressful purchases you have to make in your life, but there are some things you can do to help simplify the process. My favorite tools when it comes to car buying are: AutoTrader, Cars.com, Edmunds, Kelly Blue Book and Carfax and I'll explain why. To start, in my opinion there are three categories of cars: new, certified pre-owned, and used. Each of these has their advantages and disadvantages when buying.

One of the last things on my mind when I moved out here was Renter's Insurance. Car insurance is a huge expense as it was, and there was no way I was getting renters insurance. In reality, I didn't think I owned enough stuff to need it. In the end, deciding whether or not you need renter's insurance is up to you: there are no legal requirements. It's all about your comfort level and deciding if it's worth it. Here's why I decided to get renter's insurance, and what you should consider in making your decision.

Credit card debt is a reality for a lot of people. I feel like it’s almost a little more common when it comes to people in the entertainment industry. Many people when the first start out end up having to put a lot on credit whether it be relocation expenses, personally funding productions or just plain living expenses between jobs. No matter how you go it, paying the minimum with a likely 18 to 20 percent interest rate can be downright depressing.

The first step is admitting you’ve got a problem and it turns out that I probably do. Okay that may sound like latent denial but let’s just say I’m making my confession with some caveats. Bums, I am a deal addict. My inbox is filled with coupons, freebies, and deals of the day. It’s gotten so bad so that I need to clean it out several times a day. There’s nothing wrong with saving money (in fact, it’s a very good thing) but there comes a point you need to assess whether your addiction is helping or hurting you. Someone should profit off of my silliness, so read on for tips for the prospective deal-buyer.

A financial advisor once said that the last great taboo is talking about money. Sure, you're willing to share the price of your new sweater, but would you mention how much you make? There are all sorts of reasons money isn't discussed openly and we won't go into them here. We're not suggesting that you start broadcasting your IRA savings to the entire carpool. You might, however, want to have some frank discussions with your kids, parents, or significant other.