Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Financial obligations are a part of adulthood no matter how old you are, as only their categories and amounts change from one decade to the next. The good news is that adults at either end of the age spectrum get better deals when it comes to discounts. In these situations, age does matter. Take a look at these discounts for students and see if there are any you’re not taking advantage of. After all, you’re only young once!
Discounts for Students and Young Adults
Students are overwhelmed with college debt more than ever before, and they deserve a little break. Merely being enrolled in a community college or university is enough to get you a discount on many items, services and venues, whether you’re 18 or 30. In most cases, simply provide proof of student status (your ID card or a university email account), and you’ll have access to the following items: [ continue reading… ]
If you missed the news, Starbucks raised their prices once again this summer, for the third summer in a row. The obvious solution to save money at Starbucks is to avoid the coffee shop altogether. However, if Starbucks is your crutch – like it is mine, you just have to learn how to get more creative about getting drinks for free.
Here are four such hacks you should try if you want to score free drinks.
Check Your Grocery Loyalty Card
The Starbucks in Vons, Albertsons and Barnes & Noble are all separate businesses, meaning they do not operate under the same umbrella as a Starbucks franchise. That means that they can offer different opportunities for Starbucks discounts and free drink offers.
My Vons’ card had four free Starbucks drinks on it last month. I also received multiple offers for discounted drinks and pastries in the past too. It seems that whenever Starbucks introduces a new drink, my Vons’ card has a free drink promo to entice me to try it. [ continue reading… ]
Whether or not you admit it, there is a certain thought in the back of your (possibly deep) subconscious that occurs every single time you have a little extra money. Maybe your paycheck was bigger than you expected this pay period. Maybe your Grandma Sue wrote you a check for $100 just for being her favorite grandchild (for the moment). Or maybe you got a nice big check from the government in late spring for being such a good tax-paying citizen. (I mean, one can dream, right?)
No matter how it happened, it happened, and now you have an extra chunk of change burning up your wallet like a book of lit matches. What are you supposed to do?
Half of your brain might be telling you that it is the mature, responsible, adult thing to put it all into your savings account; if you don’t have one, this part of you brain will urge you to consider opening one. The other half, however, has no willpower and immediately makes a list of the new clothes, fitness equipment and electronics this can fund. With your brain conflicting between spending the money on fun and being an adult and purely saving it, your head must be spinning.
The best course of action is the one which allows for compromise — i.e. do both. Yes, you can both save and spend at the same time! [ continue reading… ]
The popular new “free” app Pokémon Go has just as many kids and adults excited as rolling their eyes. Some see it as a harmless new obsession that gets people active and engaging with the outdoors (while still staring at their phones, of course). Others point out that it encourages people to do stupid things like drive while playing the game, trespass, fall into ditches, or even walk into traffic.
Regardless of which of these camps you fall into, there’s one thing everyone can agree on: the game and the potential for participants to waste money. Here are four ways this happens. [ continue reading… ]
Our homes aren’t always the most productive place to work even though many of us choose to work from home, especially if you have young children needing your attention every few minutes. Renting your own office space isn’t always ideal either, as it can cost quite a bit per month.
That’s why coffee shops are the makeshift work-on-the-go spot for most workers and students. Who can blame them – free WiFi and an endless supply of caffeine make coffee shops an appealing office. Here are a few tips I’ve learnt to make a coffee shop work, no matter what you do.
Buy Noise-Cancelling Headphones
I enjoy working at my local Starbucks with all the commotion. My most productive days are when the coffee shop is full and there is a dull buzz in the air from the different conversations happening. However, there are always those few times when the music played is horrible or when one or two other guests are distracting or rude. This is where noise-cancelling headphones come in handy.
The headphones allow you to shut out the world when things are a bit too noisy. If you still like to work with noise, just not the unpredictable noises of the café, then playing white noise or calm music through your headphones is also a great idea. Brian Tracy, success expert and author of over 77 books, found that he was able to write more each day without burning out by listening to quiet classical music while working. Headphones can work for you too. [ continue reading… ]
One of the best things you can do if you want to build wealth over time is to invest. Thanks to the power of compound interest, investing offers one of the most effective ways to grow your nest egg and prepare for financial freedom down the road.
Unfortunately, there is a good chance right now that you believe some of the myths circulating about investing. And since it’s easy to get bogged down with misinformation and do nothing to build your finances for the future, I want to talk to you about four of these investing myths so you can stop believing them now. [ continue reading… ]
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