Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
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… ]
There’s still another month or so of summer, but it’s time to start thinking about back-to-school supplies if you’re a parent or student. And, if you’re like most families surveyed by the National Retail Federation, you’ll be spending a little more than last year — as much as 9.6% more.
Market analysts consider it a good sign when we consumers feel comfortable spending more money, but most of us are always looking for little ways to save too. If that’s the case, you might want go shopping… this weekend.
This Weekend?…What? You’ve probably heard August isn’t the ideal month to shop for school supplies, and that’s mostly true. Many of the more expensive items (minus laptops, which are at their all-time low) are less expensive to buy after Labor Day if you can wait. The clincher is that August is the month most states offer what’s known as a “tax-free” shopping weekend specifically for back to school supplies. [ continue reading… ]
If you’re drowning in debt, it can seem as though there’s no way out. And it doesn’t help that creditors could be calling you — maybe even your family members and neighbors are looking for you. It may seem that you are at the mercy of debt collectors, but the truth is that you have rights, and you have protections from unscrupulous collectors. The Fair Debt Collection Practices Act (FDCPA) spells out practices that debt collectors can’t engage in. So, know your rights, and don’t be afraid to report debt collectors who violate these 6 provisions in the FDCPA:
1. Debt Collectors Have to Stop Calling If You Tell them To
The hitch? You have to do it in writing. So, if you don’t want debt collectors to call you anymore, you need to write a letter (keep a copy for yourself) and send it along. I recommend using certified mail to prove the debt collector received the letter. After receiving your request, debt collectors can only contact you, by mail, to let you know of certain actions that will be taken (including a lawsuit). [ continue reading… ]
One of the ways that many people achieve financial freedom today is to start freelancing, as being self employed provides a degree of freedom while still allowing you to make money.
However, when you transition to freelancing from working a “real” job, there are a few things you are likely to take for granted. Here are three mistakes that many freelancers make with their money when starting out:
1. Failure to Report Your Income (and Pay Taxes)
When you work a traditional job, your employer withholds your taxes. In fact, your employer also pays half your payroll tax. As a freelancer, you are responsible for reporting your full income and making sure that you pay taxes. You are also responsible for your entire payroll tax amount.
The IRS expects you to make quarterly tax payments, so it’s important to remember to make those regular payments. Plan ahead with your finances, setting aside money each month so that it’s more manageable to make your quarterly payments when they are due. [ continue reading… ]
What I love about personal finance is that everyone’s situation is unique. Yet, the more the details are different, the more the solutions stay the same.
What’s more interesting is that even though the majority of us struggle to achieve financial freedom, the methods are simple and for the most part, we already know them.
We already know that the key is to earn more than we spend. Yet, we struggle with controlling our expenses.
We already know not to buy high and sell low. Yet, we unknowingly fall into the trap of buying the latest hot investments.
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