Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
My method for setting resolutions has changed over the years.
At first, I used to make lists of things I wanted to accomplish throughout the year. Then, as I realized I could rarely get through my laundry list, I began narrowing things down. I’d pickone big goal to work on for the whole year in different areas of my life, which worked really well.
I liked setting one big financial goal (such as working up to maxing out my Roth IRA or refinancing the house) for each area of my life and then spending the whole year working on it.
Last year, I didn’t set any New Year’s resolutions. Reeling from my divorce and my second cross-country move in as many years, I used the year to explore and figure out what I wanted from life. I wanted to try new things, and evaluate what to keep and what to shed.
In personal finance, there are two key tenets to building wealth: spending less and earning more. In theory these concepts may seem rudimentary but in reality they can be complex things to maneuver. If they were easy, many of us would be in a better position financially and there would be less problems related to money.
So how can you implement these concepts into your life and save and earn more money? Use these six money moves to get started.
The idea of retiring early and living on a beach somewhere sounds like a dream to many people. And for most, it may be a harder-to-reach goal than they realized. According to the Employee Benefit Research Institute, 57% of workers have less than $25,000 saved up for retirement when they estimate that they’ll need $500,000. Being prepared for retirement can seem like a world away, let alone early retirement. However, retiring early is definitely possible.
More and more people are striving to retire early. Why? Simply put: time. Retiring early gives you the ability to spend more time with the people you love and do things that excite you. It isn’t easy but it can be done. You have to start preparing now in order to do that. Here’s how: [ continue reading… ]
April 15th may well possibly be the most dreaded day in America. It is otherwise known as Tax Day. Many of us often go into a mad scramble the weeks or even days leading up to April 15th, trying to collect tax documents and getting all our questions answered. It’s a vicious cycle that seems to happen every year.
Do you want to change that? Then start early this year.
It’s not too early to start thinking about tax day even though April is still a few months away. Getting a head start now will help relieve the stress you go through every year trying to file your taxes and actually make it quite simple. There are plenty to things you can do now to prep. Consider these 5 action items to help you prepare for tax season: [ continue reading… ]
You may be pretty confident that you’re good at saving money. But did you know you might be throwing money away and not even know it? Even if you think you’re living a frugal lifestyle, there are many things we all do everyday that are both a waste of time and money.
We can always improve upon our savings habits, and stash away more money. Even though I try my best, I know that I’m often throwing away my money on the most frivolous things.
Put yourself to the test and see if you’re guilty of one of these biggest money wasters:
When I look back on my childhood, some of the memories I cherish the most are the times my parents made an extra effort to make certain experiences special. It’s those kinds of memories that I want my kids to be able to look back on and smile.
I’m not talking about expensive trips to the beach, or a surprise day trip to an amusement park, although both of those sound fun too. I’m talking about the inexpensive things that occur in day-to-day life. Specifically, what I like to call Pizel Family Traditions.
These traditions are inexpensive outings and events we do each week that give us all a little something to look forward to, without blowing our budgets.
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