Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
When I graduated college, I felt excited about my future. I was so ready to be done with school and finally be an “adult”. Being in school was the last vestige of being a kid and it was time for me to fly and soar into the “real world.”
While I was more mature and had some work experience under my belt, I didn’t really understand the steps I should take financially to prepare myself for the real world. All of a sudden I wasn’t living with my parents and didn’t have student loans to rely on to pay for everything.
It was a rude awakening, as I scrambled to get by, with little income and savings. So this advice is for new college graduates looking to getting started on their own two feet (and avoiding the mistakes many of us have made).
This is a sponsored post written by me on behalf of Chase Mortgage Banking. All opinions are 100% mine.
Is it just me, or are there more people thinking about owning a home these days? Chase Mortgage Banking conducted a nationwide survey, and found that 3 in 10 Americans are planning to buy a home in the next 18 months. The number initially seemed high to me, but then again, last weekend for us was filled with house buying related activities. Our family attended a house warming party for one of our friends, and we toured several open houses with another family the next day who are looking to move into our area.
Alternative credit scoring has been growing in popularity for several years. Many consumers do not like the idea that the credit industry is built mainly on the assumption that you need to get into to debt (no matter how quickly you pay it off) in order to show that you are financially responsible.
As a result, companies like eCredable have been gaining traction. eCredable.com builds a credit report and assigns a rating that includes your payment history on bills such utility and rent payments. It then helps establish your credit history beyond whether or not you’ve had credit cards or a car loan.
For most of us, identify theft isn’t at the top of our minds, but it’s something that can happen to anyone. And if it does, it can really destroy your finances. When your personal information, such as a social security number or a bank account number, gets in the wrong hands, it can take years to reverse the damage done.
Sadly, identify theft affects roughly 15 million Americans each year. In an age when we do almost everything online, our personal information is all too vulnerable. It’s becoming more and more important to keep it secure.
Use these tips to help you protect your personal and financial information from being stolen.
There are many things we can sacrifice in order to save some extra money. New clothes, cable TV, and eating out at restaurants often frequent this list. But one of the expenses that’s always controversial is internet access. Most of us don’t count it as a need, yet it’s very important for doing every day things.
Our family is one of those who feels that internet access is a bill we need to pay. Here’s how we save over $30 a month on our internet bill.
To me, fitness studios have always seemed like the elite club of fitness venues, featuring small classes, professional instructors, and an exclusive feel. They’re also notoriously pricey, running around $40 per session — more than the price per month at some big-box gyms!
In spite of their expense, fitness studios hold great appeal to people who enjoy the motivation and interaction of a classroom setting, the challenge of a new discipline — such as yoga, Pilates, or spinning — and protection from any creepers who frequent the gym.
If your fitness needs are best met in a studio, here are a few ways to save money while still enjoying your sweet sweat sessions.
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