Five Affordable Neighborhoods in the Eighth Most Expensive City

Everyone knows that Southern California is an expensive place to live. The rent is high and so is the cost of living. People pay top dollar for the amazing weather, proximity to just about everything you could need, and miles and miles of coastline. While most places in the area are quite expensive, you can find some affordable neighborhoods in the San Diego suburbs. San Diego County is so much bigger than the city and other pricey neighborhoods like La Jolla. Below are five quite affordable options Read more [...]

7 Hot Tips To Live Like a Local – and Save Money

How can you live like a local, save money, and have the best summer ever? If you’re ready to slash the debt, get fit, and round out the summer with some cash in hand – these are the 7 best steps to take. Live Local: Walk In many communities, summer is the time to get moving. That’s why you’ll find tremendous benefits in getting active. Use the summer warmth as motivation to get away from being locked inside your car or stuck in a sweaty subway. One of the simplest solutions is Read more [...]

How I’ve Failed to Make Use of My Lyft Pink Membership … But I’m About To Do Better!

I use Lyft to get around. In fact, I use it so much so that I decided to go ahead and sign up for their Lyft Pink membership. It's saved me money over the past year or two on those Lyft rides. However, I just realized this week that I've failed to really make use of the benefits of the membership, I intend to remedy that now. Why I Use Lyft I have up my car when I moved to San Francisco 15+ years ago. Honestly, I love being car-free. This is a small city, geographically speaking. I can walk a Read more [...]

Is Affordable Higher Education Possible?

Im am in several online groups that talk about being financially independent. The groups pose thoughtful questions about advancing in the workplace and earning more money. They also talk about advocating for themselves and their retirement plans. One topic that comes up every so often concerns higher education. While many people are burdened with student debt, they can advance by going back to school and getting an advanced degree. While many people may have the money, what about those who don't? Read more [...]

How To Avoid Spending Against Your Budget

Many people have a budget. While some people make sure to account for every dime and stick to the plan, many more do not. If your one of the people who can not stay focused on your financial plan, this is for you. Follow along for ideas on how to avoid spending against your budget. https://www.youtube.com/watch?v=BeAou8wXagw Keep the Cards at Home When it comes to staying on a budget, I have to be aware of the way I use my credit and debit cards. It is so easy to swipe, swipe, swipe. Sometimes Read more [...]

Simplify: 7 Areas to Reduce Spending

Recently I mentioned that I was reading 7 Days of Simplicity by Jen Hatmaker. In this book, the author explores seven different areas of life to simplify. Simplifying in each of these areas can also reduce spending. Here's a closer look at how I can apply this to my own life: 1. Reduce Spending in the Kitchen It's appropriate that the book starts off with kitchen spending. After all, I spend a lot of money on food. If I can reduce spending in my kitchen, then I'll save myself a lot of money. Read more [...]

Best Ways to Shop for a Car

This week I have been trying to find a vehicle. It is time for me to add a second vehicle to my home so that both my partner and I can get around. It is hard with one car and busy schedules. While finding a car should be seamless, I have worked hard to pick out what I want for the best price. Not to mention I do not want to spend long hours at a dealership. Instead, I looked for the best ways to shop for a car first. Here's what I found. https://www.youtube.com/watch?v=WIptq2PMPjs Online Dealerships Due Read more [...]

What Are the Costs of Living in a Motel?

Travel is fun. Some people do it for a living. Several travel bloggers and travel enthusiasts are waiting to show off their adventures with the world. While some people take up fancy hotels or stay with the locals, some choose to stay in a Motel. If you looking to travel and live in Motels in the long-term, I'm here to talk about the costs of living in a motel.   Factors to Consider Before Living in a Motel When it comes to living in a motel, you have to consider the costs. While Read more [...]

How to Make a Car Payment Manageable

I talk a lot about finances and savings with friends and coworkers. One topic that frequents the discussion is cars. While some of us have reasonable payments, others have payments that are too high. I always laugh that I would fall out if I had a payment above $300 with insurance. Some people are pushing $700 and above for their vehicles. While this may seem small to some, people with a bad financial situation may wonder how to make a car payment manageable. I have some tips that can help. https://www.youtube.com/watch?v=o0CZ1v5U_y8 Car Read more [...]

Start Fresh: 5 Things I Want to Spend Out Before Buying More

Recently I've been working on the idea of trying to "spend out" the items I already have in my house. In other words, I have certain items that I want to use up before I buy new ones. In doing so, I hope to save some money at the start of the year. What Does It Mean to Spend Out? I got this concept from Gretchen Rubin of The Happiness Project. She talks about how there are both underbuyers and overbuyers, and each has their own challenges. I'm an overbuyer. I stock up. And that's okay in some Read more [...]