If you have dealt with a recent shock caused by your water, gas, and electric bills, you understand just how important it is to save on household bills. The rates are going through the roof and winter is around the corner. Finding good ways to cut back without freezing is helpful for just about everyone, so here are some simple ways to save.
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Editor’s Note: For those that just joined us, this is part of a series where Michelle shares her vacation highlights that show us how frugal travels can be just as fun as an extravagent vacation.
When Aaron and I had walked as far as our legs could carry us in San Francisco, we hopped in a rental car and headed to beautiful Sonoma Valley to experience California’s wine country.
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Do you get a little pissed when the high yield savings account rates go down the minute you sign up? I do.
It’s no secret that institutions are dropping interest rates like fighter jets in World War II, but for what reason? Sure, everyone talks about the record low federal reserve funds rates but despite the rate staying steady for many months now, the interest rate on our accounts still keeps going down.
Being the curious David that I am, I went around and asked a few people within the industry and what they told me is so simple and made so much sense.
The high yield savings account rates are decreasing because they don’t need your money anymore. Here’s just a few reasons why.
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Moving can sometimes be a sad ritual as you throw, throw and throw more junk away, only to realize that you actually paid good money accumulating “them”.
Let’s face it. Most of us have a little special something we like to spend money on. Whether it’s cars, HDTVs, luxury vacations, hand bags, shoes or even ice cream, we simply identify the following equation as fact.
Stuff We Love > Price We Pay
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Stop what you are doing and read the following statement three times.
Don’t trust anyone who is giving you advice on a decision that he/she wouldn’t make.
It’s so obvious isn’t it, but many of us (myself included) fall into this trap on a regular basis. At the store, we let the salesperson convince us that buying is the right decision. Routinely, we let our financial planner tell us which investments to make, and every day, we allow advertising to strengthen our desire to spend.
Next time the opportunity presents itself, ask the simple question – Would she have made the same choices given the situation?
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This is Michelle here and a big hello from San Francisco! I’m happy to say that after weeks of anticipation, Aaron and I managed to leave work and home behind for five wonderful days in California. Aaron’s eleven year vacation dry spell is officially broken, and we are both much more seasoned at travel planning as a result of this experience (thanks so much to everyone for the much appreciated tips and suggestions along the way!).
Our vacation started with two days in San Francisco. We tried to plan as much as we could before leaving our home base of Chicago, but there was still plenty to learn about budget travel in the City by the Bay. For instance:
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