shelter-in-place
A month ago, nearly everyone would doubt you if you declared that the world will eventually all work at home.

Yet here we are.

Just a few short weeks later, with everybody instantly converted to telecommuting.

The world changed overnight. How are you coping?

Are you going crazy trying to be an unqualified school teacher with many kids in the house these days? Or do you feel lonely with the sudden lack of social interaction?

Are you glued to the constant news about coronavirus and the stock market? Or are you too busy trying to look for another job because you were recently let go?

No matter your circumstances, everybody can use a bit more money in their pockets right now.

And while increasing income is likely out of the question for practically all of the world’s population, we can always work on reducing our expenses.

Here is a reminder of some common sense but very effective ways you can save some money starting today.

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coronavirus recession

Recessions are the perfect time to start a business: FedEx, Microsoft, Burger King and even GE were started during the recessions the U.S. has experienced over the last century and a half.

If you’ve been thinking about starting a new business, the fact that the economy is down should not stop you. In fact, there are many reasons why the national economic situation should encourage you to start a new business now.

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early bird finances
There’s a reason many people quote the saying “the early bird gets the worm”. In the world of personal finance, getting a jump on the day can mean saving money and time, which often saves you even more money.

Let’s look today at how doing a few things in the morning rather than afternoon or evening could literally save you hundreds of dollars in the long run.

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save money on consumables

Moving from a rural, small-town area to a decent-sized city near a major metropolis will definitely mean a higher cost of living — especially when it comes to your rent or mortgage payment. What I’ve discovered, however, is that it doesn’t necessarily require a higher cost of living across the board. 

If you know how to budget and shop smart, you won’t have to spend that much more than you did before. While saving money might take a little more focus than it did before, it’s still highly achievable.

Here are three tips for saving money on consumables when moving to a large city.

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money date nights
With our hectic lifestyles, many modern couples find that having a weekly or monthly date night is a good way to relax, check in with each other, and spend some undivided attention on their relationship.

It might sound strange to apply this principle to your ‘relationship’ with your checking account and stack of bills, but oddly enough, a lot of people say it helps them adjust the way they approach the dreaded task of spending time with their finances.

To see how it might work, let’s apply the principles of date nights to routine money tasks:

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teenager gifts
I’m a budget driven person. That personality trait kicks into high gear as my wife and I decide what gifts will be wrapped and given to our kids. The two criteria I have for the gifts for my two children are that they have an equal number of gifts, and that their cost come in under budget.

My wife, on the other hand, has other ideas. She has visions of the kids coming down the stairs on Christmas morning to find a tree with a pile of presents spilling out from under it. She has dreams of passing out gift after gift while our children futilely try to guess what is in each wrapped box.

My wife’s perfect gift is even harder to achieve when teenagers are involved. Both my kids are teenagers, who’s preferences seem to change daily. So how can a parent get the perfect gift for the hard-to-shop teenager and stay on budget?

If you are expecting this same problem this year, here’s a list of five last minute inexpensive gifts that any teenager would love to open:
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