Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Taking good care of yourself is important, right? Basic hygiene can ward off things like unnecessary dental visits, while keeping yourself neat and presentable can do a lot for your self-esteem, personal relationships, and career. But, when it comes to personal care services like salon haircuts and color treatments, mani-pedis, and other spa services, it isn’t always as easy to justify the expense, especially if you’re trying to trim unnecessary spending from your budget.
Depending on your lifestyle and career, it might be important to get a quality haircut every 6 to 8 weeks and keep your nails looking immaculate. For many of us though, these personal care “necessities” would rightly be categorized as luxuries. Regardless of whether self-care services are more necessity or luxury for you, there are ways to save money on these budget-eating expenses. Here are a few ways for you to try. [ continue reading… ]
Engaged couples have so many things to talk about while planning their weddings: seating arrangements, their honeymoon destination, future kids… and money.
Money may not be the most romantic topic on the pre-wedding agenda, but it’s probably the most important. According to a 2012 study of over 4,500 married couples, fights about money are the biggest predictor of divorce — above fights about in-laws, kids, household chores, and sex.
Clearly, couples who get on the same financial page before the wedding are in a better position to enjoy years of married bliss. If you have not yet had the following conversations with your sweetheart, make sure you do before you say “I do.” [ continue reading… ]
Recently I joined a Facebook Group called Buy Nothing. At first, I thought maybe it was a type of bartering platform or re-sell market like Offer Up. Maybe it even had something to do with Buy Nothing Day, Buy Nothing Month, or No Spend November. But, as I read more, I realized the group wasn’t about any of these.
The Buy Nothing Project (buynothingproject.org) was started in 2013 by a few ladies from Washington state who wanted to help people reduce their consumption of new merchandise and lengthen the life of used goods already out there—and might otherwise end up in landfills. While this concept is shared by groups like The Freecycle Network and the free section on Craigslist, Buy Nothing groups center them around the local neighborhood.
Members of Buy Nothing groups are invited to both request and gift, lend or share items, services, time or help: selling or bartering are strictly forbidden. The possibilities are endless, and so are the advantages for those who participate.
Here are four reasons to consider joining a “Buy Nothing” Facebook Group. [ continue reading… ]
The basic cost of living in some cities, like New York City, is almost double the $7.25 minimum wage. Double. How can anyone survive like that?
Well, thanks to technology, you don’t have to. More and more people are adopting the concept of “location independence,” or working remotely from anywhere.
You don’t have to suffer the high costs of living in places like Manhattan or Orange County if you have, or can establish, a remote career. This ability to move around can keep you free from debt — if you choose to live in places where the cost of living is less.
If you’re living and working on that same salary, but in a cheaper locale, you’ll whittle away debt faster and possibly get out from under Debt Mountain altogether. [ continue reading… ]
Many of us look around and wonder how we ended up with so much stuff. Sometimes I wonder why I spend the money on things that don’t get used much. There is a lot to be said for a little more simplicity, as many people are discovering in this recession.
It is possible to spend less money, and still live a full life. And, of course, just because you can afford something doesn’t mean you have to buy it. If you are ready to downsize your lifestyle, you can do so, with a little thoughtful planning. [ continue reading… ]
Your wedding day is one of the most important days of your life, but it can also be one of the most expensive. You want your day to be perfect, but with the average cost of a wedding in America totaling $25,200, that price tag is hard to swallow. That’s a lot of money to pay for a few hours of celebration.
It’s tough to cut back on your wedding. After all, it’s a celebration of love in front of the most important people in your life. But at the same time, spending the bulk of your savings doesn’t make sense either.
Thankfully, don’t have to spend your life savings to have a fabulous wedding. You can still have a beautiful event on a tight budget. Before you spend thousands on a wedding, here are 5 tips to help you save on your special day.
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