What is a Personal Finance Ratio and Why Should You Care?

Do you really know if you are financially healthy? Look, even though you may have a pretty decent budget, better spending habits, or even a really solid plan to pay down your debt, you still need to know your personal finance ratios. What are they exactly? Well, financial ratios are really important in determining aspects of your personal finance, like your credit rating all the way to how much money you can actually spend. Think about it as a way to not only identify your net worth Read more [...]

Super Easy Ways to Find Money You Didn’t Know Existed

Wouldn’t it be cool to find random money that’s yours to keep? No, it’s not a scam and the money is real. There are no gimmicks or tricks involved. In most cases, it’s as easy as typing your name and address online. The magic of technology will do all the work for you, and you don’t even have to pay a fee to do so. So what’s the catch? None. It’s technically money you have but didn’t know existed. Try to think back as far as you can of all the different investments, bank Read more [...]

4 Great Browser Extensions to Help Curb Your Spending

No matter what time of year it is, online shopping can be addictive. Add at certain times of the year like Black Friday or going back to school sales, there are so many sales out there that it might be hard to curb your spending. Even though you may get a great deal, it’s not worth blowing your budget or worse yet, going into debt over it. And no matter how good you think you are at curbing your spending, it’s pretty stressful when temptation strikes. So why don’t you do yourself Read more [...]

4 Apps That Make Couponing Easier

  You don’t need big binders or spend ours couponing to maximize our savings at stores. Believe it or not there, are ways that can make couponing easier. Enter coupon ads. They’re so easy to use it’s pretty much a no-brainer that you at least try some of them out. In fact, some of these apps automate some tasks for you so they not only save you time, but money as well. That being said, there might be some that are worth your while more than others. Some will have tons of items Read more [...]

10 Super Easy Ways to Cut Your Bills in Half

Monthly expenses seem like they’re out of control? Think you’ve already found ways to cut your bills and can’t do any more? You might be surprised at how many more ways you can cut your bills in half. And if you find all of these not surprising, leave a comment below and let us know what are some ways you’ve been able to cut your bills in half. Carpool or Ride your Bike Yeah, sounds obvious, but in the days of Uber and Lyft, people forget that it takes  a few minutes to ask around Read more [...]

Why Yo Need to Stop Buying Gifts This Christmas

As the holidays are approaching, it’s natural to get a bit stressed about it all. Sure, it’s a time of cheer, baking and get-togethers with friends and family, but there’s also shopping for presents. And for the average folk, lots of lots of presents. Sure, everybody’s doing it, but does that mean you have to? Is it possible to not give any gifts this Christmas? Mindless Shopping Some of us feel pressured about getting gifts for everyone that you know. Their friends, family, neighbors, Read more [...]

5 Surprising Ways to Know if a Budget Isn’t Right For You

Learning how to stick to a budget is tried and true advice when it comes to getting better with your finances. But are there occasions when you feel like that budget isn’t right for you? In other words, do you get too stressed out about it or feel like giving up even after months of tweaking and sticking to it? You’re not alone. Creating a sticking to a budget isn’t easy but it might not be that you’re bad at budgeting. It could simply be that the budget you have isn’t working for Read more [...]

October 2016 Net Worth Update

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It’s been a while since I revealed our finances. If you missed it, the last time was back in April. Back then, we cracked the positive net worth ceiling. Despite being laid off in July, we continue to be in the positive. (adsbygoogle = window.adsbygoogle || []).push({}); You may have noticed that my articles have gotten fewer and further between. I truly enjoy writing on Stapler Confessions, and now that I’m typing up another Net Worth Update, I realize now much I missed doing these. The Read more […]

Special Needs, Special Costs

Addressing your child's special needs can be emotionally and physically draining. More often than not, it can be financially draining as well. Little Stapler is still fairly little compared to his peers. Whether it is due to his metabolic makeup or his overly-sensitive eating is an unanswered question. What we do know is that our little guy had some special needs as a result. He started seeing an occupational therapist in January this year, to help him gain more core strength and cross-body Read more [...]

What I Learned When I Sold My Old Car

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You know that I didn’t want the measly $400 trade-in the dealership offered me. I also didn’t want to go through the hassle of selling my used car. But I was sure that selling my used car on my own would be worth the time and effort. Here’s how it actually went down: The car sat in our driveway for at least 3 months. Why? I told myself that I didn’t have time for several things. But these excuses were so lame, because none of these tasks actually took a lot of time or took place in the Read more […]