Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
I’ve been getting a lot of flack for how much I spend lately. I’ve been told I spend too much on a cause I’m involved with. I’ve been told I spend too much on going to the spa. I’ve been told I spend too much on travel.
It’s true that I like spending money, but just because I’m spending money doesn’t mean that I’m being totally irresponsible with my finances. What’s actually important is to figure out what really matters to you and your future.
So take a step back and reconsider what you’re spending money on.
Once I did that, I realize that while I spend what other people might consider more than I should – or that I spend money on things that I shouldn’t – the reality is that I’m still okay because I pay myself first. [ continue reading… ]
You love your friends and family, and you’d do absolutely anything to help them.
Then one day, your friend is late on rent and asks to borrow $500 from you. He promises to pay you back when he gets his next paycheck, but you’re not so sure.
You’re worried that loaning out money could put a strain on your relationship – but you really want to help your friend in his time of need.
I wouldn’t call my daughter a picky eater exactly. She has always been great about eating fruits and vegetables, but it was always on her terms. She would rather just play than actually sit and eat. What’s worst, she used her hunger as a bedtime stalling tactic many times in the past. Her eating preferences resulted in a lot of wasted food, time, and money over the past few years. Thankfully a few adjustments to our rules helped transform meal time and ultimately saved us money, so let me share those with you. [ continue reading… ]
Life can be full of unexpected surprises. No matter how much we plan, prepare, and set out to accomplish certain goals in life, life usually has other plans.
It’s in those crisis moments when we feel like we are off our “path”. A layoff, a breakup, a divorce, a move, or a financial emergency can derail your life order and have you feeling out of sorts.
When I was 22, I had a series of events that occurred that threw everything off. Within a period of six months, I dealt with a breakup, a layoff, a car accident, and the passing of my grandmother. On top of that, all the stress was literally making me sick.
At a fairly young age, when I was trying to make it on my own, it felt like everything was working against me. Everything felt hard. [ continue reading… ]
You want to protect your children from all that you can as a parent – kidnapping, bullies, diseases, and even hurt feelings. However, you might not be aware of the risk of child identity theft.
Children are a target for identity theft because they have a clean slate. Plus, it can take years before the fraud is even detected. If a child’s identity is stolen at a young age, they might not even notice the error until they request their first credit report or apply for their first line of credit as a teenager. By then, the paper trail of the thief would be hard to trace down. So what do you do? Here are a few suggestions. [ continue reading… ]
Most people wouldn’t complain if they suddenly became rich. In fact, millions of people play the lottery every week with just this hope even though, statistically, their chances of winning are next to nothing.
If we’re honest, we can admit that if we spent less time complaining about our circumstances and more time studying and following the lifestyle habits and principles that have made people rich, we’d be a lot closer to our financial goals.
The ideology and practices that build wealth can be summed up as hard work, conservatism, ingenuity, and an opportunistic mindset.
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