Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Whether we like it or not, having a credit card is essential to a consumer like salt is to food. Many experts tell you that over usage is bad, but life just sucks without it.
But what about those interest rates? With credit easing a little bit and the economy strengthening, the once dependable method of lowering interest rates is working again. Here, we outline the steps to lower the interest rates on your credit cards (for those of you who don’t currently own 0% balance transfer credit cards) so you can substantially lower your monthly payments each and every month. [ continue reading… ]
When I set out to write this post, I was going to talk about different ways to make more money but why talk general when I can take a more focused approach and share with you what people do online specifically? I live and breath the Internet these days, so when I ask you to take some time to make more money, I’m thinking about some of these as suggestions. [ continue reading… ]
While researching on 0% balance transfer credit cards the other day, I accidentally found out that many people actually search for 0% balance transfer for life credit cards. My first reaction was “come on, really? There’s no way anyone in the right mind would offer this.”
But the curious side of me took over and decided to take a look. Sure enough, Chase offered select customers 0% balance transfer for life in 2003. It came with rules though. You must pay the minimum balance every single month, and you must make a minimum of two purchases every billing cycle. Failure to do so and your rate will rocket back up to normal levels. [ continue reading… ]
Cruising has become an immensely popular way to get away and see a little bit of somewhere new. Cruises provide food, lodging and entertainment all in one place while taking you out into the ocean; a perfect vacation if it weren’t for the price. Luckily, there are some easy ways to cut your costs if you plan ahead and know what to look for. [ continue reading… ]
I love rules. In fact, the more restrictive the guidelines, the better.
It’s not that I like someone telling me no. But I just love trying to find a way around restrictions. Every time someone tells me how I’m not supposed to be able to do that, I always respond with “please tell me which rules I’ve broken”.
This time though, I don’t think I’ve just stretched a rule of the personal finance world, because I actually broke one. Not only did I buy a cup of latte, I kept buying them for the past few weeks.
My wife used to compliment me whenever I communicated in Mandarin. She doesn’t anymore.
Not that there’s anything wrong with that though, because I couldn’t speak it back then and I could now carry a decent conversion using the language. In a short few years, she got used to hearing me speak in Mandarin (or at least my version of it). [ continue reading… ]
Free signup to get a free ebook on How to Save Money on Everything! Constantly expanding, it will be the biggest money saving ebook available, and it's FREE! →
(I hate spam and promise that your information will never be shared.)
