Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Chipotle – you either love it or don’t understand the cult-like following it has. For those whose life is not complete without a “bigger-than-your-head” burrito with “yes-I-know-the-guac-is-extra”, then these money saving tips are for you.
Ask for Half and Half Meat
Asking for half chicken and half steak will be charged as steak, but it does seem that you get a little bit more meat than just getting a single meat item. Plus, the combination of chicken and steak is pretty great. [ continue reading… ]
Along with many other areas of life, finances present a potential minefield of marital conflict if they’re not handled well (or at all). In the debate of how finances are best handled within marriage, there are at least 3 schools of thought.
System #1: All Income Should be Joint and Equally Controlled
One of the first indications of how ‘joint’ a couples finances are is whether they maintain joint checking and savings accounts. This traditional approach stresses that the unifying nature of marriage applies to all aspects of life, including money. Joint income and expenses (including past debts, which can be hard for some to swallow) creates a model for cooperation, clarity, and trust when it comes to money. It’s also practical — simple for budgeting, visibility, and paperwork. [ continue reading… ]
This post brought to you by Chase. The content and opinions expressed below are that of MoneyNing.
I mentioned last time how rising mortgage rates create an interesting dynamic because while the rates affect monthly payments directly, the higher cost of ownership puts downward pressure on home prices. The recent survey by Chase along with the infographic below shows the math involved, so let’s dive into the numbers today to give you a better picture of what I mean. [ continue reading… ]
Over the years, I’ve developed a financial philosophy that works for me. Research for the work I do as a financial freelance writer has provided me with the chance to learn about finances, investing, and more. As I’ve learned more about money, I’ve been able to develop my own philosophy and priorities.
However, I’ve also learned that sometimes it’s important to be flexible in your approach. Being open to new ideas of money can help improve your finances and increase your chances of achieving financial success.
When I first starting being more conscious about saving money, one of the first things I tried to do was stop going to Starbucks. It seemed a little ridiculous to be spending so much on a cup of coffee when I could easily make it at home.
Unfortunately though, my efforts didn’t work out very well. I was able to avoid all Starbucks (not easy in NYC!) for about a week and then immediately went back to my old ways.
For me, coffee every morning is essential. It helps me get my day started off right. And I just really enjoy a Starbucks latte. Yes, it’s probably better for my wallet to avoid it altogether. But coffee is my spending vice and one luxury I fit into my budget.
However, a daily trip to Starbucks can get quite expensive. As I tried to minimize my spending and still fit in a cup of coffee, I discovered some great money-saving hacks that can help you at Starbucks, too.
One of my favorite strategies for saving money on baby items is to buy items slightly used. In fact, most of the time, I buy a gently used baby toy, baby equipment, or clothing, use it, then sell it for a small profit.
Since babies tend to grow out of their clothes and toys, it makes sense to avoid buying everything new at a retail store. However, there are baby things you should not buy used. Here are a few baby items that should always be bought new.
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