frugal fashion for fall

Another new season, another freshening up of the wardrobe. You know it’s time to spice up your life again, but you have rent, a car payment, and a new private school tuition that wasn’t there before.

What you need are creative ways to boost your spirits for the new season. Here are some to get you started:

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slash spending

There was once a time in my life that money seemed to disappear from my bank account as quickly as it came in. And the more income I generated, the less disposable income I had available. In fact, I often found myself scrambling to make money stretch until the next direct deposit came in.

Surprisingly, my transition to the freelance world was exactly what I needed to get my spending habits under control. The amount of income wasn’t the problem — but failing to properly account for it was.

If you’re living from check to check, a few minor adjustments to your habits can help you cut costs and start working towards financial freedom.

Here are a ten ideas to help you get started saving money:
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how to make a career switch

Many people look at their jobs/careers and wonder what they are doing. In some cases, a stressful job may be putting pressure on you at home, as well as at work.

Or, you might not be able to stand the unrelieved tedium. Some people want to switch careers in order to try something new or more enjoyable, or to work in a more flexible environment.

If you have decided that it is time for a career switch, here are some things to consider:
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rich stereotypes

Most of us would be considered middle-class — not below the poverty line, but not making six-digit salaries, either. But if we stop and think about it, each of us knows at least someone we’d consider rich, and, if we’re honest, we’re at least slightly jealous of them.

Because we don’t want to think less of ourselves for being middle-class, we often write them off as one of the following stereotypes:

  • Their wealth was inherited; they have no self-initiative. 
  • They’re greedy, money-obsessed, and miserly. 
  • They think they’re better than everyone else. 
  • They’re lonely. 

Of course, these stereotypes can be accurate, but that’s no excuse to apply them to the rich people we know (and don’t know). Let’s take a look at each of these stereotypes and shed some light on the mystery of what rich people are really like. [ continue reading… ]

bad employee
Many people feel comfortable in their jobs, especially when the economy, housing prices, and the stock market are all going well. They feel good about their job security, and may not realize they are making themselves expendable at work. Are you falling into this trap?

One of the best things you can do for your career — and your earning power — is to evaluate your current status. The last thing you want is to be one of the first people laid off during the next downturn.

Here are some signs that you might be encouraging the view that you are expendable:

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fashion choices
I’m not the sort of person known for her fashion choices, as I pretty much live in jeans and t-shirts. I understand part of the appeal of buying clothes — there are certain clothes that make a person look and feel good. I’m just a little less clear on why a person might want to keep up with the latest trends, even though I do get that fashion can be a priority for many people.

No matter how big or small of an emphasis you personally place on fashion, though, there are plenty of moves you can make to save some money in that part of your budget. Here are a bunch that can save you real money.
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