Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Having moved from the Midwest to the Pacific Northwest, I’ve been exploring my options for earning frequent flyer miles to offset our trips back home during the year.
We’ve always practiced a strict no-credit card policy to avoid the temptation of excess debt, but now we’re considering the advice that a rewards credit card, used responsibly, could earn us points as well as award airline tickets.
If you’re looking for ways to maximize your travel plans into cash back or airline rewards, consider these tips.
My husband recently got an infuriating letter from his employer-sponsored health insurer, which covers our whole family. The insurance is conducting a dependent eligibility audit. All employees who have dependents covered by the plan must prove that the dependents really qualify.
Other than the irritation of having to track down and photocopy our marriage license, our sons’ birth certificates, and a copy of a recent tax return, this audit hardly affects our family. However, I have trouble believing that there are so many non-eligible dependents taking advantage of the insurance to make an audit necessary.
I’m cynical enough to think that this is a ploy to kick some dependent beneficiaries off the rolls because they are too disorganized or busy to send in the paperwork before the deadline.
I love a good deal. Before making any purchase, I always look for ways I can save money. The issue? I’m not a huge coupon clipper and I don’t enjoy going out of my way to save money. I’d much rather spend my time making money than spending my time saving a few cents.
Can you relate? Luckily, I’ve found great online tools that help me save money and don’t require coupon clipping. Not only that, but these online tools offer massive discounts on things I’d buy anyway.
These various websites offer huge savings at major department stores, grocery outlets and other retailers through coupons, exclusive offers, and cash rebates. It’s easier than ever to save money, so before you shop, check out some of the best websites to help you save money.
It’s easy to get caught up in the idea that credit cards are evil. However, the reality is that, just like anything else, they can be a financial tool. It’s just all about your perspective and how you use them.
Mike Scanlin, the CEO of Born to Sell, points out that credit cards can be helpful in managing your cash flow. With the right rewards programs, you can even make a little money and gain other benefits from your credit card use.
Here are 7 tips for incorporating credit cards into your budget.
Whether you’re all finished with spring cleaning or just getting started, there’s probably a few things (or many things) lying around your home that you no longer need. That’s how it is for my house.
You might be inclined to just toss these things away but as the saying goes, one man’s trash is another man’s treasure. Selling gently used items is a great way to make some extra income.
I’ve typically used eBay in the past and it has worked great. But eBay is more effective for smaller, higher valued items. You reach a wider amount of people, even globally.
So what if you want to sell a piece of furniture easily and have the buyer come by and pick it up? While you can do that on eBay, you get much more flexibility on Craigslist.
Every one of us has made mistakes with our money, and we will continue to make mistakes in the future. These are indisputable facts, however the way we react to these mistakes is critical in our ability to grown and improve as human beings.
We all encounter budget failures caused by overspending. The same methodology can be applied to financial budget failures to learn from our failures. We can use these lessons grow stronger, and avoid repeating the mistake.
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