Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
In the hustle of moving into a new apartment and getting yourself and your stuff settled in, it can be easy to forget about your security deposit. After all, most landlords don’t even give those back.
You have enough on your mind, so why worry about a security deposit? Because the security deposit is your money, and you should be able to take it with you when your lease ends.
Before you move in, you should know these five tips for ensuring you get your security deposit back: [ continue reading… ]
I have a weakness for spending money on grooming items. I love lotions, soaps, and beauty products. But I also love to save money, and the older I get, the more my frugality wins out over my grooming obsession.
Here are a few tips I’ve learned over the years on how to pinch a few pennies in the grooming department.
1. Learn to trim hair
I live in a house full of boys, and visiting the local barber shop costs $40 a trip. To save that extra cash, I purchased a nice pair of hair scissors from Sally Beauty Supply, along with a set of clippers. I asked a hairdresser friend for tips on what to buy and how to give a good home cut. For the boys, we stick to a basic, short, all-over buzz cut. This keeps them looking neat and groomed; and I can trim them every 3-4 weeks, without investing anything more than my time. There are videos on YouTube about how to cut boys’ hair to help you get started. [ continue reading… ]
We hear a lot about identity theft, since it’s a crime that can reach anyone, at any time. Even if they have flaws, services like credit monitoring can provide peace of mind.
And, if you’re worried about identity theft, there are companies that offer insurance against the costs you could incur. Before you pay for identity theft insurance, however, it’s important to be aware of its limitations. [ continue reading… ]
You go to work every day. You sit in your cubicle and answer to your boss, swearing at yourself the entire time he’s talking, knowing you belong anywhere but there. You know you have the potential to be so much more.
One day you’ll open your own business and prove it to everyone.
But when will that happen, and what will it be? You’ve always wanted to be a business owner. An entrepreneur’s blood pumps through your veins. But starting out on your own takes time and effort you don’t have. Giving up your day job isn’t an option — since dreams don’t buy milk.
So the dreams keep getting shoved to the back of your mind. Even if you don’t have time to birth your own dream, however, you could adopt one that’s already been born.
Rather than starting a business and working from the ground up, you can take the shorter route by buying an already established business. Be careful, though: even a business with positive cash flow can be a risky opportunity. [ continue reading… ]
Finding fun and cheap ways to entertain your kids can be a challenge. We don’t participate in the usual karate classes, T-ball games, or soccer practices, because we live so far from town that the travel expense of going to activities isn’t feasible for our family.
In fact, with the rising cost of gas, any trip into civilization requires us to factor in fuel costs before deciding on what works with our budget. Luckily, we still have lots of options.
Here are a few of our cheap favorites that may give you ideas about how to entertain your family for less, too. [ continue reading… ]
The last 10 years in the United States have seen a significant increase in cell phone usage. I was unable to get a phone until I was 16 (my parent’s rule) and even then, the phone only had calling and minimal texting capabilities. Today, I can ask a random 6 year old what the weather is like and he or she can pull up the temperature, wind speed, and 10 day forecast on their new iPhone. Mobile phones have become a significant part of many people’s lives, as they are a great way to stay connected. But they can also come at a great cost. What is best for you?
Choosing the Right Provider
Choosing the right cell phone provider is important. Some companies offer the best phones, while others offer the cheapest prices. There are a few things to keep in mind when you are shopping for a cell phone company:
Do they offer a phone you want?
Do they offer competitive prices for your situation?
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