Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
There are generally two ways you can improve your finances: cutting back spending and earning more money.
I wholeheartedly believe in the power of cutting back spending, but I also know from personal experience that there is only so much you can cut back on. I’ve been forced to live on a bare bones budget when I dealt with an unstable employment situation. Because of that, I tend to spend my time earning more money.
I shouldn’t be the only one though. Don’t waste too much of your time spending less, but instead of focus on earning more. Here’s why. [ continue reading… ]
Many of us experience this fear in our lives. We worry that we are missing out on something fun, or we think that an opportunity will pass us by. But is FOMO actually costing you a lot more money than you thought?
For a long time, I had a serious case of FOMO and it was somewhat detrimental. Here are some of the ways that FOMO might be costing you: [ continue reading… ]
Many details of one’s personal life were kept out of public view in the older generations from the 20th century. This ideal hasn’t been passed down as well to the current adult generations, who have the ability to be completely anonymous while speaking to people across the globe. Anything you want to share can easily be sent; your private thoughts and feelings can be shared with hundreds or thousands of people.
The one topic that has maintained its privacy to some degree is personal finances. “Keeping up with the Joneses” is a phrase alluding to the act of spending exorbitant amounts of money in order to project the appearance of being well-off. Often, the money used is in the form of credit card charges or borrowing from lenders who charge interest. These big spenders are actually fast diggers, and they are burying their own grave quickly by living this lifestyle. Many in this position, however, are too afraid or embarrassed to admit the truth and start talking about their real finances. [ continue reading… ]
In fact, just moving from a state that levy an income tax to a state that doesn’t could save most people a few thousand dollars. I know several people who have moved to Tennessee in recent years to save money on income taxes and the savings are real. [ continue reading… ]
When my husband and I first moved to Indiana, it took us more than one trip to the DMV to get our driver’s licenses transferred to our new state. Indiana required several documents — like my birth certificate, our marriage license, proof of residency, etc — that we had a little trouble tracking down after a major move. In fact, I had to contact the Ohio Probate Court for another copy of our marriage license and to this day, I still haven’t found the original.
This is a common situation among harried re-locators, as well as anyone who has ever had trouble taming the paperwork beast. It doesn’t have to be that way — and in fact, making certain that you have all of your important documents stored either in a home safe or a bank safe deposit box will eliminate stress when you need to access those documents. The question is, where should your important papers be stored? Here is a breakdown of what should be placed in a safety deposit box and what belongs in your home safe: [ continue reading… ]
Even for those of us who swear that money isn’t important, there’s no way to deny that whether we like it or not, dollars touches our lives in every way. If you’re reading this, you probably have a clear idea on how important money is to a well lived life, and how essential solid communication around the topic is to a happy, healthy marriage.
Unfortunately, money is one of the primary catalysts leading to couples fighting. It’s also one of the leading causes of divorce in this country. It’s easy to fight about money, and most couples occasionally find themselves on opposite sides of a financial dispute. Constant fighting is cancer to a marriage, creeping into every crevice of a couple’s lives, slowly eroding the way they interact with one another. This decay can be especially damaging when the topic is as core to a couple’s daily life as money.
And problems with money don’t have to be something “serious” like gambling or addiction to cause serious problems either. Poor habits or inept money management can degrade the health of an otherwise strong marriage. Learning a few simple strategies that make it easier to communicate, before little problems blow up to become big ones, can be the difference between a household filled with peace and quiet, and one that’s silent for an entirely different set of reasons.
Use the three following strategies to help you discuss money with your spouse, without any argument. [ continue reading… ]
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