Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Many of us look around and wonder how we ended up with so much stuff. Sometimes I wonder why I spend the money on things that don’t get used much. There is a lot to be said for a little more simplicity, as many people are discovering in this recession.
It is possible to spend less money, and still live a full life. And, of course, just because you can afford something doesn’t mean you have to buy it. If you are ready to downsize your lifestyle, you can do so, with a little thoughtful planning. [ continue reading… ]
Since then, boy has the environment drastically changed. The financial crisis unfolded with a 50%+ decline in stocks, followed by stocks multiplying during the next decade only for a pandemic to trash stocks again in a span of just one month.
If I were to ask the same question again, would everyone still vote for stocks? [ continue reading… ]
Since job security is almost as hard to find as well-rested new parents, we have to create our own financial stability by building multiple sources of incomes. That can mean taking on freelance work, starting up our own businesses, or pursuing a potentially lucrative hobby.
With the average worker now holding 10 different jobs before age 36, the only way to guarantee a little bit of continuity is to take matters into our own hands. Here are nine ways to get started:
Buying name brand was the way to go once upon a time. Walking into a grocery store, you could easily spot the brands you know and trust. Even though you were paying a premium for them, the purchase made you feel good because you were choosing quality over quantity.
But that isn’t necessarily the case anymore.
Now, there are numerous generic brands available and many of the products they produce are the same quality as those name brands, maybe even better. Too bad many of us aren’t taking advantage of these savings though. According to a 2014 study by Tilburg University, Americans are wasting approximately $44 billion dollars a year on name brands. Ouch! You’ve probably contributed to that number at some point too.
Instead of always going to the brand with the best commercials, here are five products you should always buy generic: [ continue reading… ]
“I sold all my holdings in the 401k a couple of weeks ago. What do I do now that the Dow just went up 11%? Is this the bottom?”
Editor’s Note: Scratch that… it’s up another 15% since that text from him for a 25%+ move!
I replied, “I don’t know. In fact, nobody knows. Everyone will have an opinion on whether we are at the bottom of market valuations, and a ton of them will turn out to be right. But you can’t act on that information alone because no one knows who’s prediction will come true in advance.”
If you already sold out and can’t quite figure out how to get back in, or simply scared out of your mind that you still own stocks, then here’s what you need to do: [ continue reading… ]
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