You’ve heard the horror stories, and I bet you’ve even seen them for yourself. I’m talking about the grandparents and their friends who struggle with their bills and try to make ends meet during a time in their lives when they should be happy. You think to yourself that it’s not the life you want to live. You want better. You want more. But that means putting away money now for retirement to make sure you have what you need for the basic necessities in life, for doctors’ visits, and even your travel plans.
The retirement years are called the “golden” years, but very little about them can be “golden” when it comes to money. Are you up for it? Here’s how to start:
Where Can You Cutback?
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I have a minimalist kitchen. I own a toaster, microwave, food processor, crock pot, and a coffee maker. I don’t own a blender, a mixer, a bread machine, a George Foreman grill, or waffle iron.
Multi-Functionality Equals Multi-Frugality
I don’t like clutter and I don’t believe in collecting kitchen gadget that do specialty functions. Instead, I want a quality machine that can perform multiple functions when possible. My toaster does waffles and bagels, while my food processor serves as a blender, mixer, food slicer/shredder, and also mixes bread dough. When it came time to replace my beloved coffee maker last week, I did some research online before heading to the store. What I brought home was a $89 Cuisinart Programable On-Demand Coffee Maker.
Saving Money With Kitchen Gadgets
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The emergence of technology has led to a fast paced society. How fast can I get my food? How fast can I get from here to there? This emphasis has led to a shift in our desires, and it hasn’t been kind to our wallets. I am just as guilty of this as the next person, but when it comes to buying new stuff, we want them now and we want to use them now. In season items are significantly more expensive than items that are far from their intended season. If you can leave the crowd and make your own path of patience, you may just end up finding your wallet a little bit thicker.
This Even Applies to Small Appliances
What initially spurred my curiosity about buying items out of season was my experience shopping for a new humidifier. My fiancé and I were getting fed up with the dry air in our apartment and decided a humidifier may help with sleep and stuffy noses. I went to Target to see what I could find. Little did I know that February is a great month to buy humidifiers because the driest months end when the cold weather does, meaning that stores begin to drop the prices of related items around this time. I would love to say this was intended, but I would be lying. I ended up saving 30% on a humidifier, getting a $50 appliance for just $35.
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How many of us wish there were more hours in the day? Sometimes, it seems as though you just don’t have enough time to finish everything on your to-do list. I know that first hand, because there are days I struggle with productivity too.
Whether you are trying to get more done at work and impress your boss so you can get a raise, or whether you just want to do more around the house, increased productivity can help you feel better about what you are getting done. And, of course, if you work from home or have a side business, increased productivity is vital.
Here are 5 tips that can help you increase your productivity: [ continue reading… ]
People are looking for ways to save everywhere. Looking for ways to earn, too, is even better. How far ahead in your financial goals could you get by actively pursuing both? Believe it or not there are easy ways to do that. And even better than earning, is earning and doing something you LOVE.
Sound like a pipe dream?
We’re not talking becoming Trump’s biggest rival in your financial endeavors (although that’s certainly a goal worth shooting for), but doing something a little more modest with that side income, like paying off a loan or a credit card, paying for your child’s education, or even adding to your retirement nest egg. Whatever area you’re looking to increase your cash flow in, y ou can do it and do it with pleasure.
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Cash back credit cards are cards that give you a portion of the money you spend on the card back in cash. This cash back may come at the end of each statement or it may come in the form of a check, depending on the terms of the card. The percentage of cash back you can receive usually varies depending on exactly where you use the card, but you can usually expect a minimum of getting back 1% of the total of your purchases.
You may also want to see the Advertising Disclosure for more information about the below cards.
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