Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Every parent knows the importance of teaching their children financial literacy in the formative years, but not everyone knows where the little ones actually gain the knowledge and know how. Though some financial concepts are taught in school, there’s a desperate need for parents to fill in the gaps by offering personal advice and guidance before children grow into young adults.
It can be hard to know how to teach a child about finances when it’s not an area of life they’re in control of yet, but many parents are finding that one of the most practical and effective methods is through the use of mobile apps — the language kids speak best. If you’re looking for ways to teach your child financial literacy, consider using one or more of these fun learning apps. [ continue reading… ]
Consumers are seeing a relatively new online market innovation in the form of monthly subscriptions. Whether it’s a monthly box, bag, or even blades, companies are cashing in on this new type of shopping. Here’s some helpful tips you may consider before clicking that subscribe button.
Is The Subscription Cost Effective?
I currently subscribe to a monthly razor blade shipment from DollarShaveClub.com. I’ve enjoyed this subscription for roughly 6 months now, and my wallet is already seeing the savings. After spending what felt like and arm and a leg at the brick and mortars, I finally told myself to give the monthly subscription a shot. I’m glad I did. The subscription comes with 4 cartridges (with 4 blades) with free shipping at $6 a month. There’s also an option to pause the shipment with no fees attached, for those (like me) who aren’t an everyday shaver. Before subscribing to anything monthly, do some research on other sites that sell the same products. I checked stores and sites for comparative blades to make sure I’m getting the most blade for my buck. It also helps to check out your local Walmart, Target or Costco to see if you can get these products cheaper. [ continue reading… ]
One of the worst feelings in the world is knowing that you can’t pay your taxes. This year, due to my divorce and the way my business is set up, my ex and I together owe about $25,000 dollars in state and federal taxes. We agreed to just splitting that bill down the middle because we are applicable and because we’re adults.
We can each pay our half of the bill in full, but neither of us wants to deplete our savings that far in order to make it work. As a result, we are acting as though we can’t pay our taxes and looking for other options. Here are a few solutions I found for our situation.
IRS Installment Plan
The easiest thing to do in the situation is to sign-up for the IRS installment plan. If you owe less than $50,000 in total taxes, interest, and penalties, it’s possible for you to fill out an online form and arrange a payment plan. This is pretty easy to do, and you can suggest an amount you can pay each month. The main requirement is that you are able to pay off the total you owe within 72 months. [ continue reading… ]
April Fool’s Day is known for for its fun, (mostly) harmless tradition of trickery. It can certainly be entertaining to find out how gullible your friends and family are, but if you’re the gullible one, it might not seem as fun. Falling for pranks and false information on April Fool’s Day is understandable considering the deliberate efforts taken to pull the wool over your eyes, but as the old saying goes: “fool me once, shame on you; fool me twice, shame on me.”
In the same way, falling for bad advice or making a foolish financial decision once in a while is bound to happen, What’s important is whether you learn from it, or do you keep falling for the same ‘tricks’ over and over again. It’s not only what you do with your money that can be foolish — what you don’t do can either paint you the fool or put your on the path to financial success too. Be aware of these four financial myths, and you’ll be a little wiser the next time they come around. [ continue reading… ]
Gone are the days of buying consumer products on a whim, at least for me. I used to be a brick and mortar mall shopper you see. Those huge 50% off banners? I fell for those. After figuring out that money was to be managed and not thrown away, my consumer product shopping began to modify. If I need to purchase an item, a microwave for instance, I usually filter through these three sites first.
www.deals.kinja.com Kinja is a wonderful scroll down site that is the easiest on the eye to read. Kinja navigates online deals throughout the day and adds their favorite or most newsworthy deals to post. I love the reviews and comments on each product which tells me if that particular brand of microwave is worth it or not. Kinja also has a Twitter Feed you can follow and receive notifications for those hot deals that only exist for a few moments due to the high rate of selling out. [ continue reading… ]
You’ve been waiting for this moment for months. If you’re a serious fan, you might have even bought advanced tickets or stood in line for a midnight showing. The lights go out, the crowd quiets, and the pre-movie credits begin. You sit, popcorn in hand, ready for the best IMAX 3-D experience of your life… and it’s a flop.
Did I really just waste my money and lose two hours of my life for that?
I’ve experienced this more than once – at least enough times to learn that major motion-picture releases don’t always live up to my expectations. The worst part of the disappointment isn’t even the show. Sitting in the privacy of my living room, I’d just queue up another movie in Netflix or pop in an old, reliable favorite on blue-ray. But after you’ve (1) set aside time to get gussied up and drive to the theater, (2) hired a babysitter for the night if you have kids, (3) gone out to a nice restaurant you would ordinarily consider too pricey if it weren’t conveniently located next to the theater, and (4) spent way too much on not only your premium tickets, but ridiculously priced concessions… it’s hard not to think about the money and time you just poured into a black hole. [ continue reading… ]
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