Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
One of the big expenses many of us associate with raising children is a college education. As the cost of college rises, and as more students graduate with crippling student loan debt, many people are wondering how they can prevent a debt-laden future for their children — without putting their own retirement at risk.
If you want to be ahead of the game when it comes to paying for college, the key is communication. You need to talk to your child about paying for college well in advance.
I remember that scorching hot July like it was yesterday. Money was tight, and the measly income I was bringing in barely covered the cost of part-time childcare. There were only two options to get over the hump: quit my job and desperately hope that a better opportunity surfaced, or find ways to make my money stretch.
So, out of sheer desperation, I scrutinized every dime leaving my bank account and started making phone calls to see what could be done.
If you haven’t already heard, the newest feature from tech giant Apple is a cash- and card-less payment system aimed at revolutionizing the way you shop. It’s called ApplePay.
The concept itself isn’t new; other companies have been offering versions of a mobile wallet for several years. The fact that we haven’t seen a massive switch to pay-by-phone (a 21st century redefinition of the term payphone, perhaps?) shows that this type of feature either isn’t deemed useful or safe enough by the majority of smartphone users. Still, Apple hopes that by adding their own twist and reputation, iPhone customers will become mobile payers.
Earlier this year, I renewed my Costco executive membership. On top of the $55 annual cost for basic Costco membership, it cost an extra $55 and offered 2% cash back on all my purchases.
I had the following goals in mind:
Go to Costco for products I’d normally buy at the supermarket
You’re broke. And it’s killing you. Not because you want to go out and buy yourself a bunch of crap, but because you have bigger financial dreams.
You want to be able to save. You want to fully fund an IRA or 401k each year. And you certainly don’t want to be living off ramen noodles in your golden years.
One of the bits of luck that accompanied my family on our recent cross-country move was that we sold our house quickly. In fact, it was under contract before we even listed it. However, selling your home quickly isn’t always what it’s cracked up to be; sometimes it means taking a loss.
Here’s what you need to know about selling your home in a speedy fashion.
Figure Out Why You’re Selling Quickly
The first thing you need to do is evaluate why you want to sell your home quickly. In our case, we were moving in a relatively short period of time. We didn’t want to worry about dealing with the house after moving, so we were willing to do whatever we could to make it happen.
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