Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Finding creative ways to eat out is important in my line of work. During baseball season, we’re on the road 50% of the time. During these periods, we’re given a certain amount of money per day to spend on food (more commonly known as a per diem). Many people travel for work on a regular basis, so finding ways to save money and eat right is important.
Here’s what I keep in mind when deciding when and where to eat:
Make It Last
Though we’re given a set amount of money per day for food, nearly half of it goes to the opposing clubhouse manager. He gives us food at the field, does our laundry, and makes sure we’re comfortable. He feeds us before and after the game, and provides snacks in between. After we pay him and tip him, we have about $10 per day for breakfast and lunch. While this doesn’t seem like much, minor league players can make do with just about anything. [ continue reading… ]
Welcome summer and all of its glories with your own summer camp.
This won’t be easy — banish that thought from your mind. But, the kids will LOVE you for it. And you’ll re-form those family bonds that were stretched so thin during the long school season.
What you’ll need for your successful summer camp:
1. A notebook
This will become your best friend this summer. You’ll keep your plans, ideas, and even results in here.
2. A plan
Sit now and start planning your activities. By starting early, you’re not only making sure you have enough excitement ready; you’ll have time to stock up on craft supplies without paying (toilet paper and paper towel rolls), or without paying for them all at once (markers, glue, etc).
3. A theme
If you want to make this da bomb for the kids, involve them in the planning. Let them help you come up with a theme for your summer camp. One year, we did Flylady’s “GonnaWannaFly” summer camp. It was truly amazing to watch the kids get excited about cleaning house! [ continue reading… ]
It may seem shocking after just a few short years from the greatest market panic of our lifetime but major stock market indices are hitting new highs almost on a daily basis these days. Are you thinking of adding to your investment portfolio? Are mutual funds part of your strategy? FutureAdvisor helped me put together this simple infographic listing a few key points you’ll want to remember about mutual fund selection by digging deep into their 401k database.
Last week, the House passed a bill that would require bondholders and Social Security beneficiaries to be paid first in case of a failure to raise the ceiling on the national debt later this summer.
While the bill passed, there’s doubt it will get past the Democratic majority in the Senate; the White House has already promised to veto it. Even if this legislation doesn’t make it farther than the House of Representatives, it is stimulating debate about the real issue behind it — the national debt crisis.
The U.S. has already maxed out its $16.4 trillion debt limit, but thanks to a movement by Congress to ‘stall’ the crisis in January, the government has until at least May 18th and, most likely, longer. Obviously, the national debt crisis is the main concern of this session of Congress. [ continue reading… ]
During a recent trip, I had the pleasure of talking with a retired couple who are spending their golden years touring the world. Italy, China, Mexico, Hawaii — they’ve seen it all, and some places more than once. While I didn’t want to ask personal questions about how they could afford such luxurious trips, I was amazed that this seemingly-average couple was able to achieve travel goals that most can only dream of.
They had some great tips for budget travel that I eagerly soaked up. After all, I’d like to see more than the foothills of Appalachia before my time on earth is up.
Try Vacationing Abroad
One suggestion I found particularly intriguing was to vacation outside the United States. Even accounting for airfare, the couple claimed it’s often cheaper to book a vacation abroad than it is to vacation in a nearby state.
Booking a year or two in advance helps them get package deals and cheap rates. They also don’t usually use a travel agent, saving more money by booking trips themselves over the internet. Comparison shopping for travel and vacations can really rack up the savings. [ continue reading… ]
One of the timeless ways to save money is to comparison shop, and switching to a Medicare Part D plan that costs the least amount of money would be a great way to save. But yet, only about seven percent of seniors who enroll in Medicare Part D changes plans each year, according to the Centers for Medicare and Medicaid Services.
And it’s not due to the lack of need either. Walgreens conducted a survey and found that 37 percent of the participants worry about their prescription drug costs and one in five had to delay filling a prescription or skip doses just to manage medication costs.
The real culprit is fear of the unknown. Many seniors are simply confused by the complexity of these drug coverage plans. They are also worried about the potential repercussions of changing coverage, especially when the consequences could be not having the drugs they need to take until everything is sorted out. That’s why the details of what to look for when comparing Medicare Part D plans is the first thing I want to write about when Walgreens contacted me to cover Medicare Part D here on MoneyNing.com.
Here’s what I found someone shopping for a Medicare Part D plan will need to know in order to find the best plan for them. [ continue reading… ]
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