Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
There’s been a flood of technological advancements in the last few decades, many of which have dramatically streamlined processes in our everyday lives. These innovations have led to more efficiency in many sectors, including business and manufacturing.
As a result, some outdated systems, equipment, and job titles are quickly becoming obsolete. Businesses or even entire fields have gone under, a mass of unemployed workers in their wake.
We’ve seen this happen most clearly in manufacturing. Robotics and automation have increased production efficiency and eliminated the need to employ as many workers, forcing many people to seek entirely new careers later in life. [ continue reading… ]
I can’t remember the last time I went shopping on Black Friday. Yet, somehow I always manage to find good deals on quality gifts.
While I do think there are some good deals to be had on Black Friday, I also think it’s overrated. Plus, shopping on Black Friday can lead to a lot of overspending. It’s hard to maintain self-control when your mind is telling you that everything really is a good deal – even when it’s not.
Your credit score is an important piece of your financial puzzle. Using your credit score, lenders and other financial services providers make decisions about you — from whether to lend you money to what sort of interest rate you’ll get. A low credit score might even cause you to pay a higher security deposit to your landlord or a higher premium to your auto insurer.
While there’s a lot included in your credit score, there are some things you probably think have an effect on it that don’t.
Here are five things that aren’t included in your credit score: [ continue reading… ]
2013 is coming to a close faster than you wanted it to (just like last year!).
You haven’t paid off your Visa like you planned. And your MasterCard limit had to be raised. It wasn’t your fault that your son broke his arm and blasted your plans. You worked as hard as you could, and did your best with what you had.
Crowdfunding, the practice of collecting small donations from a large group of people, has been around longer than you may know.
As early as the 17th century, artists and musicians used it to support themselves and their creative talents. Interestingly, we even owe the completion of the Statue of Liberty to crowdfunding. When the committee in charge of its funding ran out of cash, Joseph Pulitzer used his newspaper New York World to request donations. They ended up raising over $100,000 in 6 months (and that’s when the American dollar was worth much more, of course)!
Crowdfunding has been around for a long time and is only becoming more popular because, well, it works. [ continue reading… ]
Fraudsters are a clever bunch, so a discerning eye is a must for avoiding most financial fraud schemes. Confusing terms and conditions lead many consumers to believe they’re doing something beneficial, when they’re actually feeding into one of many schemes that con artists have planned out ahead of time.
If you’re trying to find ways to prevent credit card fraud, or keep your finances safe from financial schemes, then read on. We’ve listed some of the top schemes to watch out for. [ continue reading… ]
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