Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Nearly every financial guru tells potential budgeters to start their financial management with a simple (but not easy) task: track every single penny.
For some individuals, this is a relatively easy task. It’s just a matter of building financial tracking into their routine. But for most people, tracking expenses is often very difficult.
Thankfully, between modern technology and creative budgeting solutions, there are options for tracking expenses that won’t leave you feeling overwhelmed.
Here are three ways to keep you finances in check without driving stressing yourself out.
They seem to be everywhere you look, yet they are hardly noticeable. What am I talking about? Fees. Nearly everything these days from checking accounts, to credit cards, and even investments have fees that are eating away at your net worth.
While these fees may seem like drops in the bucket each month, compounded over time, they take a big bite out of your assets. Here are some of the biggest fee offenders and how to lessen their impact, or rid yourself of them altogether.
When we talk about spending on needs and wants, the discussion about food usually comes up regularly. Of course we need to spend money on food. It’s one of those things we need for survival.
However, many of us feel as though we are spending too much on food — at least that’s the conclusion from a report put out by CompareCards and evolve24, reflecting on the trends seen for February 2015.
How do you know if you’re spending too much on food, versus simply using it as survival?
We’ve all been the victim of an all too convincing sales pitch at one point or another in our lives. Whether you’re shopping for a car or a home appliance, salesmen certainly have their way with words and can persuade you to spend money you don’t have.
No matter how much you think you can resist a good sales pitch, it’s too easy to succumb to their tactics. With potential commissions on the line, salesmen have all kinds of tactics to get you to spend more.
Before you step into another store, arm yourselves with these tips to help you avoid the sales pitch trap. Then you can leave with your wallet intact.
I logged into my employee benefits tool to check the balance of my health savings account (HSA) before paying a medical bill. Once the website loaded, a notification flashed at me stating that I had incentives that I had not yet claimed.
Investigating further, I had over $1,000 of incentives that I could earn and have deposited in my HSA simply by completing some education modules.
My employer offers several very nice programs in my benefits package. Many are well-known, but some of them are buried beneath the bureaucracy of a large company. Here’s a list of some of the lesser-known employer benefits I’ve recently discovered.
“Just wait,” one couple told my husband and me. “As soon as your kids get older, you will be racing from one sport or activity to the other, and then you won’t have any free time.” The couple was sweet, but I could not help but feel overwhelmed by hearing about their crammed schedule with just two middle school children. It sounded exhausting, and I wasn’t in their shoes, yet.
Is it really necessary to fill our children’s lives with so many activities that there’s no time for anything else? Here are my solutions on how to save money, time, and most importantly sanity when it comes to children’s sports and other extracurricular activities.
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