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 major reasons we overspend? Our quickness to say yes to things — for example, when our kids ask us to buy something, or when our friends want us to come out for an expensive night on the town. Sometimes we say yes to ourselves, justifying purchases we don’t really care about, or insisting to ourselves that, somehow, we deserve something.
If you’re looking for ways to spend less, one of the best things you can do is to say no more often.
Here’s how to cut some of the less important things out of your life: [ continue reading… ]
As a personal finance blogger, I often advise my readers to reduce the cost of college by going to a state school or by starting their education at a community college. While I certainly believe these are great ways to get an education without breaking the bank, I also feel a little hypocritical for recommending it.
You see, I went to Kenyon College, which is a small, private, liberal arts college. My bachelor’s degree was pretty costly — but I wouldn’t trade my education (or its cost) for the world.
That’s because small private colleges really do have a lot of pluses. If you’re wondering why anyone would sign up for the additional costs of a private school, here are four things you’ll get there — that you might miss out on at a state school or community college. [ continue reading… ]
That’s what Toni Braxton did. Meat Loaf did better — he was only $1.6M dollars in debt. Dee Snyder, Billy Joel, and many more have blown through millions to end up owing millions.
You may not make millions to blow in your lifetime, but you certainly can learn a few financial lessons from these once-rich, now not-so-much rockstars.
I’m a health nut. I like eating healthy, and I’m willing to pay a little more if it means a higher quality product is going into my body. But there are places I draw the line. Today as I was browsing through articles online, one headline quickly caught my attention.
There’s a new product on the health food market, and it might surprise you: camel’s milk. That’s right — camel’s milk. Supposedly camel’s milk is better for you than cow’s milk, goat’s milk, or just about any animal’s milk.
In case you’re skeptical that this is really catching on, there’s a company called Desert Farms that’s started marketing their brand of camel’s milk in the United States (based where else but California?). Camel’s milk is already popular in the Middle East — and while camel farms aren’t yet big here in the United States (have you seen anyone milking a camel lately?), they do exist, particularly among Amish farmers.
So, if you wanted to try some camel’s milk, what would this amazing health food cost? [ continue reading… ]
No matter how fiscally responsible you are, or how much you have in savings, there will be times when life throws you a curve ball you’re not ready to catch.
For instance, what would you do if your spouse suddenly became unable to work, or you were laid off? Many of us have set up an emergency fund for these kinds of situations; they usually contain enough money to support monthly expenses for two to six months.
But what if your financial crisis lasts longer, as in the case of injuries or chronic illnesses? Unfortunately, too many Americans have found themselves in this situation, and have resorted to an unsound option known as a payday loan. [ continue reading… ]
“How are we going to pay for that?” my wife asked me.
I wasn’t sure how to answer the question. We were staring at an unexpected expense that was more than our budget had room to handle — and our emergency fund had recently been exhausted.
We were almost done paying off $109,000 in credit card debt through a debt relief program; the terms of which resulted in our unsecured lines of credit being closed, and us being unable to apply for any new ones until we completed the program. We had to find a solution, and fast. [ continue reading… ]
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