Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
You’ve been dating for six months now, and it’s feeling right. He gives you butterflies when he walks into the room. You think he could be “the one.”
The problem is that you’ve been withholding some information from him.
You’re not sure if you should even be bringing up such a topic so early on in a relationship – and quite frankly, this secret has the potential to make your new love interest run for the hills.
You have $90,000 in student loan debt and $45,000 in credit card debt. You’re not quite sure what his financial situation is, or if yours will scare him away. What do you do? [ continue reading… ]
You’re constantly falling off the bandwagon when it comes to reaching your financial goals. They seem so big that you’ll never reach them, and you just can’t remain focused.
Sound familiar?
Over the past couple months, I haven’t been my usual highly-motivated self. Instead of working ahead and paying attention to my bottom line, I’ve been slacking. Recently, I realized why.
These last two months of chaos have lacked structured goals, so I’m essentially wandering aimlessly in the dark. The good news? My two months of zero progress have reinforced my belief that setting financial goals is vital to success.
If you’re new to setting financial goals, here are three tips that will help: [ continue reading… ]
As I enter my fifth month of pregnancy with my second baby, the inevitable is happening. Fewer clothes are fitting and, for me, expensive new maternity clothes aren’t an option.
It’s hard to pay $30-40 for a dress I’ll only wear for five or six months. Of course, you could wear it longer — but most moms, like myself, want to get out of maternity clothes as soon as possible.
A lot of women suggest just buying bigger or plus-size clothing, which may work for some of you — but I think these tend to make you look bigger. Also, if you buy your clothes used at Goodwill, maternity items are around the same price.
Here are a few tips for saving money on maternity clothes, which I’ll be implementing in the next few months:
You’ve certainly heard about minimalism before, as it seems like a fad that comes and goes. The economy is strong, so fewer people are talking about it. If we enter a recession though, you can bet that the numerous stories and articles about minimalism all over the internet will surface again.
Of course, there are benefits to living on less no matter where in the economic cycle we are in, but practicing the art form is certainly easier said than done. With all the gadgets and gizmos that we have that make our lives so much easier, it’s almost impossible to give them up. Is there any real point to minimalism? There certainly is, especially when it comes to your finances.
There are many minimalists who go to the extreme by getting rid of almost all of their possessions. You don’t have to do that (unless you want to!) but there are certainly things you can do to have a healthier relationship with ‘stuff’. And as you learn to live with less, you’ll also save a lot in the process too. So if you’re ready to give this minimalist thing a try, here are four tips to help you get started: [ continue reading… ]
So you’re up to your neck in a massive pile of debt. There are many circumstances that could have led you here, but responsible financial planning is the one that will get you out. Most debt situations can be corrected with careful planning and intense effort over a period of one to three years.
You’ll need to include everyone in your household and be honest about the need for focused debt reduction efforts. You can do it if you follow these steps to achieve pay off all outstanding debt without filing for bankruptcy protection:
I stayed home with my young children, putting my career on the back burner, for five years. Financially speaking, it was a bad move. Economists say that the stay-at-home parent who gives up a career may lose about $1 million over the years. While I didn’t lose $1 million, I have lost 5 years of wages, 401(k) contributions (and growth), and that many years of employer contributed social security benefits.
Looking back, I wouldn’t change a thing. I loved being there for my kids when they were little, devoting myself 100% to them, and forgetting about everything else. But I was lucky: my five-year stint as a stay at home mom took place while the economy was strong; my husband was employed and earning well throughout those five years; he didn’t leave me for another woman (happens more often than you’d like to think); and I am now back to working almost full time, from home, this time for my own growing business. [ continue reading… ]
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