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.
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 [...]
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 [...]
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.
Due Read more [...]
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 [...]
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.
Car Read 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 [...]
It's good to make your personal finances a priority in your life. After all, if you don't, then you can end up in a lot of debt or financial struggle. Obviously, that would be stressful. However, you also have to have some balance. An obsession with money can be just as damaging as not attending to your money at all. In fact, obsessing over your finances can destroy your life in these five key ways:
1. Stress Negatively Impacts Your Health
Paying smart attention to your money relieves stress. Read more [...]
Have you ever found yourself in a crunch on a holiday or even your birthday? With so much to do, you may have had to churn out a birthday cake of your own creation. If you did and it didn’t look so hot, maybe next time you try a cake decorating class. I know I personally have churned a boxed cake into a tasty treat but going to a cake decorating class gave me a skillset I never knew I needed. No longer will you have to ugly cry because you can decorate the cake the way you imagined Where can Read more […]
It is your birthday, and its time to celebrate. Celebrate with friends, your family, and even coworkers. Today is about you. While you are celebrating, let me tell you how to make it even sweeter. Learn how to get free birthday meals to help you celebrate yourself all month long.
If you love a good sandwich, there are plenty of offers for you. Sign up with Jersey Mikes Shore rewards club today. Be sure to enter your birthday. When the day Read more [...]
Reuters recently released an exclusive article, quickly picked up by other news outlets, about a plan in the works from AT&T. The idea is that AT&T would serve you targeted ads on your phone. In exchange, they would reduce the cost of your phone plan. Would you do it? For me, it depends a lot on the details.
It Hasn't Worked in the Past
According to Reuters, several different companies have attempted something similar. Going back nearly phone decades, Sprint's Boost Mobile, Virgin Mobile Read more [...]