I am a huge fan of discounts, especially stores that are full of discounts. That’s why I love the .99-Cent Only Store, which a great place to go for inexpensive essentials. I’m going to share with you my favorite things to buy from that store, as well as tips on what to avoid.

Hair Accessories

Skip the hair brushes and weird looking hair products and go straight for the hair accessories. I usually buy bobby pins, the 500-packs of small elastics, and decorative hair accessories from the .99-Cent Only Store. I just look for name brand items. If you have ever visited the hair section at Target, then you know how amazing the .99-Cent Only Store hair finds can be. Target charges $3-4 for bobby pins, elastics, and hair accessories, which sounds inexpensive until you realize it’s 300% or 400% of $0.99.

Just today I found cute Goody hair clips for my two little girls, and in the past, I have found adorable Cherokee hair clips (with the Target price sticker of $5 still on it).
[ continue reading… ]

american flag
Now that the most shocking presidential election of my lifetime is over, I’m getting an increase in questions about money. Many people want to know how to change their money management strategy after the end of an extremely controversial campaign.

How should you change your money management approach after an election like this one? The short answer is this:

You shouldn’t.

Yes, your financial situation can be impacted by the policies put in place during any given presidential administration. But, first of all, it’s important to understand that most of those policies aren’t unilaterally put into place by the president. Congress makes laws. So before you get too into who the president is, and what he says he wants to do, take a look at the make-up of Congress and try to figure out if you could be at financial risk.

Even if the president could suddenly make wholesale changes that would impact your finances, none of this changes the fact that you shouldn’t completely upend your money management strategy in response to a presidential election.

No matter who’s “in charge,” you’re better off following some of the basics of financial management:
[ continue reading… ]

old couple
Money can be an extremely touchy subject.

Even for those of us who swear that money isn’t important, there’s no way to deny that whether we like it or not, dollars touches our lives in every way. If you’re reading this, you probably have a clear idea on how important money is to a well lived life, and how essential solid communication around the topic is to a happy, healthy marriage.

Unfortunately, money is one of the primary catalysts leading to couples fighting, and one of the leading causes of divorce in this country. It’s easy to fight about money, and most couples occasionally find themselves on opposite sides of a financial dispute. Constant fighting is cancer to a marriage, creeping into every crevice of a couple’s lives, slowly eroding the way they interact with one another. This decay can be especially damaging when the topic is as core to a couple’s daily life as money.

And problems with money don’t have to be something “serious” like gambling or addiction to cause serious problems either. Poor habits or inept money management can degrade the health of an otherwise strong marriage. Learning a few simple strategies that make it easier to communicate, before little problems blow up to become big ones, can be the difference between a household filled with peace and quiet, and one that’s silent for an entirely different set of reasons.

Use the 3 following strategies to help you discuss money with your spouse, without any argument.
[ continue reading… ]

going to work
The Department of Labor reports that jobs were up in recently while unemployment was down. Still, some point to the 94 million people that aren’t in the workforce and the fact that 90,000 of those new jobs are only part-time. Being unhappily unemployed or only working part-time isn’t ideal, but reports show that the majority ‘not in the workforce’ are retirees, students, and stay-at-home parents (it may be their choice). The increase in part-time employment may also have more to do with the trend toward a ‘gig economy’ than the availability of full-time work.

Are you among those avoiding a full-time job because of your stage in life or bucking the traditional workplace? In either case, you might be considering a part-time job.

I’ve noticed that people tend to have a more casual attitude toward part-time work than full-time work. They don’t take it nearly as seriously. Why is this? In my opinion, unless you need to grab the first job you come across just to make ends meet, you should put just as much care into choosing a part time gig as you do a full time one. Any job has a tremendous impact on your life, your finances, and your long-term career goals. With that in mind, here are three questions I recommend you ask yourself when considering a part time gig.
[ continue reading… ]

holding hands
As a parent, you want to protect your children from all that you can – kidnapping, bullies, diseases, and even hurt feelings. However, you might not be aware of the risk of child identity theft.

Children are a target for identity theft because they have a clean slate, and it can take years before the fraud is even detected. If a child’s identity is stolen at a young age, they might not even notice the error until they request their first credit report or apply for their first line of credit as a teenager. By then, the paper trail of the thief would be hard to trace down. So what do you do? Here are a few suggestions.
[ continue reading… ]

making a move
Here comes the end of the year. Are you ready financially?

I’ve been lax in paying attention to my finances lately. I’ve been slow to reconcile my accounts, and I haven’t done any planning to see where I stand with some of my goals. It’s been that crazy around here.

Now that it’s November, though, I’m changing my tune a bit. I know I need to change things up and get my finances in shape for the end of the year.

If you’re wondering what to do with your money now, then this article is for you. Here are five moves that can position you for the coming year:
[ continue reading… ]