Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Take 10 seconds right now and try to remember the exact moment when you first understood what money was, and why it was important to society as a whole.
What emotions did you feel?
What possibilities did you create in your mind?
What attitudes and/or beliefs overcame you at that very instant?
Now, what about after learning money’s purpose in society and after experiencing the markets and investing world each and every day of your life? How has your education and view of money changed over the years since that very first instant where you finally figured out what money was?
Cell phones have become as ubiquitous as oversized jeans and MP3 players, but these devices usually require a long term contract. ,meaning big bucks if you don’t shop carefully. Before you sign on the dotted line, you should consider some things so you can pick the plan that meets your needs.
How Do You Use Your Phone?
Do you use your phone only in emergencies? Then paying for a monthly contract is foolish. This sounds idiotic, but many people actually never considered a pay as you go plan instead. Do you use your phone as your business line, and need to be constantly available? Then you need a plan with a lot of minutes and the freedom to use it anywhere at any time. Is the phone for a teen? Then get unlimited texting but generally, not a lot of minutes. [ continue reading… ]
There’s an old saying that goes something like this:
Show me your friends, and I’ll show you your future.
In my experience, it’s true. We seek to fit in with those around us, and that applies every bit as much to money-related decisions as it does to other life choices.
Money-Related Peer Pressure
It’s obvious when our friends and coworkers spend money. We see them going out to eat, going out on weekends, buying shiny new iPods, iPads, and iPhones. As a result, we experience peer pressure to spend–to “keep up with the Joneses.”
But it’s not obvious when our friends and coworkers save and invest money. You don’t see that Lauren has been building up her emergency fund or that Matt has been making big monthly contributions to his 401(k). [ continue reading… ]
Once you understand that failing leads to positive results, then it’s not a question of whether you will fail, but how fast and often you are able to do so.
Are you afraid of failing? Don’t worry if you are, because I am too. But think hard about everything you are at least semi-good at. Were you this good when you first started? [ continue reading… ]
Everyone wants to try and get the best deal they can when it comes to taxes. You’ve probably heard plenty about the home buyer tax credit, but unless you are a first time home buyer, or haven’t bought a home in several years, you don’t qualify. Additionally, there are different income eligibility requirements, depending on when you bought your home in 2009. With all these requirements, chances are good that you can’t take advantage of this one.
Don’t be discouraged though, because there are other new tax breaks available for the 2009 tax year. They may even help you get an unexpected tax refund, so let’s get on with these four tax breaks that you might have more luck with: [ continue reading… ]
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