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Like you, I read many articles on the topic of personal finance. And more often than not, I come across tips on how we can save and earn more money.
The article will say something like “do this and you will become rich.” Some of these article may be from someone you trust, while others make so much sense that you want to try the tactic even if you don’t know who wrote it.
Some of the articles are so persuasive that you might even dream about becoming rich after you read them.
But what happens after a week?
Half the time, we forget about the tips all together. The other half of the time, we either try the money tip and assume it doesn’t work because we didn’t see any results immediately, or remind ourselves that we will never have time to try it.
Don’t worry. You are not alone since we are all like this.
That’s right! I bought my car for one price, drove it around for five years and then sold it for the exact same price! The good news for you is that nothing I did took incredible effort. Rather, it was more an application of a few tricks anyone could do themselves. So if you want to drive a free car, keep reading.
Finding the Car
There’s a saying among car traders, “You make the money when you buy the car.” What that means is that if you buy the car for a low enough price, selling it for a profit won’t be hard. Since our goal is just to sell it for the same price, we don’t need to get an absolute screaming deal. We just need a price that’s lower than someone else would pay years from now. That person can be our buyer later on.
To find the car, I prefer using Craigslist and eBay. Other decent options are Cars.com and Autotrader.com.
The reason I like Craigslist and eBay is because that’s where the best deals are found. It’s probably because it’s free to list cars on each site. This means sellers who are short on cash tend to list their vehicles there. When sellers are short on cash, you can get a good deal and help them out quickly. [ continue reading… ]
I’m going to make a confession here. My house is full of toys that don’t get played with very often. Between my five boys, a mountain of toys comes in every Christmas and birthday. While they do appreciate every toy when they open it, only a few are actually played with more than once or twice.
Over the years, I learned to be more savvy with my choices through experiences with toys that prove to be a good value for the money. Here are a few suggestions to help you spend your toy dollars wisely. [ continue reading… ]
We don’t always know when the unexpected will happen. That doesn’t mean we can’t plan for it though.
In fact, one of the best things you can do for your finances is to look ahead and prepare for the inevitable emergency. Here are four tips you can use for your plan:
Get started even if you feel like you can’t set aside a ton. Every little bit helps. Set aside money each week that can be used for a rainy day.
This also includes paying attention to what’s happening with your expenses. While things do happen unexpectedly, the truth is that we often get clues that something is about to break down. The washing machine behaves erratically, or you notice something about the fridge. Once those signs appear, start setting money aside. [ continue reading… ]
I’m obsessed with organization. You know — one of those people who writes something down just so they can cross it off. While I’m overly organized in most areas of life, one area I could stand to improve in is financial planning, and one practical way I could do this is to create a proactive financial calendar. After all, I have a daily/monthly/yearly planner and smartphone calendar for everything else… why not apply this to finances? Here are four key purposes this kind of calendar could serve in not only getting more organized, but getting ahead.
Help Remembering Time-Sensitive Tasks
This is perhaps the most obvious benefit of a financial calendar. Sure, you may pay the bills on time without reminders, but it’s easier to lose track of less frequent tasks like paying quarterly taxes, filing a yearly FAFSA, scheduling the appointment to have your taxes prepared, or signing up for medical benefits during open enrollment. All of these are time-sensitive, so plugging them into a calendar with built-in reminders will ensure you meet and beat deadlines without overtaxing your brain. [ continue reading… ]
Many people tend to focus too much on upfront costs, and not enough on the long term costs sometimes. Cheaping out right now could actually end up costing you quite a bit. Sure, you want to save money and look for the best value for your dollar. But if you are too cheap, you could end up paying more in the long run. Here are 4 ways being too cheap could cost you big:
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