Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
A few months ago, my wife and I refinanced our mortgage. During the process, our bank informed us that our interest rate would be increased by an eighth of a percentage point, because my credit score was just under the 710 required for their best rate.
It’s well known that people with less than sparkling credit pay higher mortgage interest rates because they’re considered higher risk — but did you ever wonder how a higher interest rate translates into real dollars?
How much did that eighth of a percentage point really cost us? [ continue reading… ]
I recently received an email from a business asking if I’d like to apply to a job they had open up.
I’d inquired about jobs at the business before, so I was excited to be asked to apply. I quickly read through the job description to see exactly what type of role this would be. The work seemed to be right up my alley, except for one thing: I would have to put in a minimum of 55 hours per week. Which also means that I’d have to give up all the other jobs I’ve worked so hard to get.
Even though I’d been notified by the company about the job opening, I’d still be up against some stiff competition. My chances of actually getting the job were slim. Being hired would equate to a larger income, but before applying, I had to weigh the pros and cons.
Is earning more money really worth everything else I’d be giving up?
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It’s March, and even though much of the Midwest is still engulfed in the icy grip of the Polar Vortex, there are signs that spring is right around the corner.
Just as the increasing hours of warmth and sunshine motivate us to eliminate the dust and clutter from our homes, spring cleaning our finances is an important step to good organization, financial awareness, and protection against loss and identity theft. Plus, it might even save you money!
Two cardboard mailboxes sat under the Christmas tree, one for each of our kids. They contained a homemade certificate granting the recipient a free month of Netflix streaming service. The kids were both very excited about the gift, as they’d been begging us to sign up for quite a while.
Between the two months given as gifts, and the free promotional month offered at Christmas time, the kids received three months total, after which they’d have to make a decision.
I started working from home full time in October of last year. Now when I tell people what I do, I’m often the recipient of blank stares, followed by questions of “How can I work from home?”
I read emails for $0.02/piece, took 30 minute surveys for $2, and constantly searched for a more lucrative way to earn money from the comfort of my home. I searched long and hard, and never once came across a way to make fast and easy money — simply because there is no such thing.
The truth is that working from home is still work. In fact, I’d say I work a lot harder now than I did at my previous day job. Instead of working for one person, I work for several. And compiling a client list large enough to replace the income from my day job took me more than a year.
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