Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
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… ]
I recently read an article about the growing popularity of “social panhandling” among Millennials. This trend is different from crowdfunding and social gift giving — it’s basically asking for a handout, online, to help you reach your goals. You don’t offer anything in return, other than the warm, fuzzy feeling that contributors might get knowing they’re helping you out.
Read on to find out more about this trend (as well as why I probably won’t ever contribute to a campaign). [ continue reading… ]
We all have leaks in the hulls of our finances. No one can run an air-tight ship all the time. But some leaks are more damaging than others — and when we plug them, we’ll see our ship rise higher above the surface.
Let’s take a look at these common leaks and how you can plug them once and for all.
1. An outdated thermostat
Running an old thermostat that you play with all day long is costing you more than running an automatic one, which range anywhere from $60-$250. Pay a little extra right now so you’ll stop paying more each month.
It’s also worth noting that if you set your thermostat 10-15 degrees lower while at work, you’ll save 15% on your heating bill. That’s a leak well-plugged! [ continue reading… ]
Recent proposals in Congress include a bill that would crack down on fraud and abuse within the $70-billion dollar government food stamp program (officially known as the Supplemental Nutrition Assistance Program, or SNAP).
This is just one area on which lawmakers are focusing in the desperate need for budget cuts following the fiscal cliff and government shutdown. While the proposed cuts would save a mere $22 million, just a drop in the bucket of the billions that Congress needs to cut, it would still be a step in the direction of welfare reform. Many consider this to be long overdue, while some are outraged at the potential harm to the neediest members of our society. [ continue reading… ]
You just added your teenage son or daughter to your auto insurance policy. You get the new bill a month later — and your jaw drops when you see the increase in premium. Sound familiar?
Adding a young driver to your auto insurance policycan cost a whole lot. While many factors are used to determine your rate, your premium will certainly increase substantially. And the premium will be even higher if you insure your child on their own separate policy.
My experience as an insurance agent has taught me that most parents aren’t financially prepared for the increase in premium that comes with adding a young driver. Here’s what you need to know. [ continue reading… ]
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