Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Early in our relationship, my husband and I used to go shopping together at our local Sam’s Club. (Clearly, we knew how to get the romance going.)
I was new to warehouse club shopping and made the mistake of thinking that anything for sale within the huge store must be cheaper than at other stores.
After a couple of bad missteps — such as not finishing the ginormous container of strawberries before they went bad, and discovering that each razor replacement in the 12-pack I bought were the same cost as their 4-pack brethren at Target—I learned to be more careful about my warehouse club purchases. I’d check unit prices, keep better track of how much I spent at the regular grocery store, and go to Sam’s with a specific list of what I needed.
It’s also important to remember that some purchases will (almost) never be worthwhile at the warehouse club. Here are six examples of what not to buy at your warehouse club: [ continue reading… ]
High-earners are in something of a Catch-22 when it comes to saving for retirement. On one hand, they have the extra income available to fully fund tax-deferred retirement vehicles — but that extra income often disqualifies them from the accompanying tax breaks.
So, what are the best investment options for these high-earners? Here are three ways high-income individuals and couples can still put away money for retirement—without feeling overwhelmed by the taxman: [ continue reading… ]
If you still haven’t thought much about taxes, now is a good time to start thinking about your tax returns. Tax season is coming up and you need to be ready to tackle the many new tax laws and how it applies to your situation.
Part of getting ready, though, includes deciding whether or not someone else needs to prepare your tax return. Here are some things to consider as you make your decision:
Having a cell phone was a luxury years ago, but it’s now considered by many as a must-have. I bet most people would probably admit that they couldn’t live without their phones. The privilege doesn’t come cheap though.
Luckily, you don’t have to pay a lot to get what you need. Let’s take a look at four simple ways you can save on your cell phone bill: [ continue reading… ]
Financial success is a little bit like fitness — we all know what we should be doing, but for a lot of us, ramping up our retirement savings and jumping on the treadmill are two things that just don’t happen.
Even though making the rational decision to save or exercise is in our best interests, it’s awfully difficult to make the right long-term decision in our day-to-day lives. The question is, why? When we all know the right decisions to make, why is it so difficult to make it happen?
Psychologists and behavioral economists have some answers:
Our family vacation this year involved a trek from Lafayette, Indiana to Norfolk, Virginia with a 10-month-old infant in tow. Before we even started the first leg of the trip, my husband and I had a major disagreement. He felt that the 13-hour drive would be easier and cheaper than flying. I felt that the cost of the flight — which involved a layover in each direction — was worth it considering the amount of travel time necessary to take the car.
If you’re planning a long trip and are not sure if flying or driving is the best option, here are some factors to consider:
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