Author Archive for Jessica Ward

Jessica Ward is a full-time writer and adoptive mom to two wonderful children. She writes to support her parenting/adopting habit. For frugal family tips see The PennyWise Family or @jessc098 and my google+ profile.

Secrets of Thrift Shopping

One of the secrets to getting out of debt is keeping your spending (and costs) low.  Many of us turn to second-hand items to keep costs low.  Here are a few ground rules for an optimal thrifting experience. Know the…

Status Update From Jessica

Hello DK Readers! I’m back!  Life has kept me busy.  Almost two years planning a church mission trip, a month in Africa, LOTS of time recovering from that trip and rebuilding my business (I went to part-time while working on…

Bust Debt and Fat

I don’t know about you, but I find that when I’m undisciplined about one thing (finances) I’m often undisciplined about other things (housekeeping, my health, etc.).  In your personal finance journey, have you noticed that you’ve started to look like…

What To Do, If You Can’t Afford A Vet

Perhaps you acquired your pets before your financial circumstances changed. Perhaps you’re self-employed and having a low month. We’ve been on our journey to get debt-free for two and a half years now, following the “baby steps” from Dave Ramsey. …