What Would You Do With an Extra $50?

surprise check

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Have you ever had a check show up in the mail out of the blue? Maybe you’d forgotten about that class action lawsuit you were notified about months ago. (That’s happened to us at least twice this year.) Or you got a bonus or birthday money.

It’s not a huge amount, but it’s nothing to sneeze at either. I mean, $50 is a significant sum of money.

But do you know what you’ll do with this surprise check?

Your response to small chunks of money says more than you’d think about the way you’re handling your personal finance. Get ready to use your imagination and learn which category you fall under.

This post is written by the fabulously talented, Jamie Jeffers.

What . . . → Read More: What Would You Do With an Extra $50?

Meet the Real Joneses

Meet the Real Joneses

“Oh man, I wish I had a new BMW.”

“Whoa, what it must feel like to own a yacht like that. I’d be on top of the world!”

“That house…is simply….gorgeous. I hope I can buy a house like that someday.”

We catch ourselves wishing, hoping, wanting like this from time to time. Basically, we’re saying, “I wish that we were the Joneses. Life would be so much more fun and full of constant bliss… Those Joneses are always so happy!”

But you might want to be careful what you wish for…

Meet the Real Joneses

Brace yourself… but the real Joneses….are BROKE!

Sure, they’ve got all the nice stuff:

the cars, the boat, the massive house, the cottage up at the lake, and the 2.1 kids with perfect hair.

BUT…their life is a ticking timebomb! At any given moment, all their cards could come crashing down and they’ll lose . . . → Read More: Meet the Real Joneses

Are Target Date Funds the Best Solution For Your Retirement Savings??

target date funds

Most of us want to navigate our way to a comfortable retirement, but it can be tricky finding the right road-map. Even when you’re effectively saving, what’s the best way to get from here to there? How can you make your money work as hard as possible to provide security (and fun!) when you stop working?

Investing in your company’s retirement plan is a great start. Once you sign up, though, you still have to pick the best investment for your money. That can be an overwhelming choice if you’re new to investing. Stocks vs bonds, large cap vs small cap, growth vs value funds…You have so many decisions to make.

The people who put together your investment choices know it can be overwhelming, and they’ve set up an easy option: the target-date fund. As long as you have a rough idea of when you want to retire, these funds . . . → Read More: Are Target Date Funds the Best Solution For Your Retirement Savings??

7 Ways to Pay Cash For Your Next Car

pay cash for your next car

Many Americans pay over $400 a month on car leases or loans and the numbers keep rising every single year. In a world where keeping up with the Joneses is normal, the average person may feel the need to get a car they can’t afford, just to impress those that shouldn’t matter.

7 Ways to Pay Cash For Your Next Car

Here’s the thing, car loans are expensive, and they can actually be avoided, even if you live on a lower income.

Here are my top tips to help you pay cash for your next car.

This post has been written by our staff writer, Kimberly Studdard.

Drive Your Car Until You Can’t

If you have already have a car, you should drive it for as long as possible, especially if you aren’t spending a ton of money in repair costs (besides regular maintenance and items like a . . . → Read More: 7 Ways to Pay Cash For Your Next Car

Will You Be Rich? Take This Quiz And Find Out!!

Will you be rich

If you walked through a college campus and asked 1,000 people if they were going to be rich, about 999 of them would tell you, “Absolutely!” And in reality, maybe 50 will actually do what it takes to become a multi-millionaire.

I want you to be one of those 50.

Will You Be Rich? Take The Quiz to Find Out!

And in order to do that, you’ve got to understand if you’re truly on track or not when it comes to your future wealth. Be real with yourself – will you be rich when you get older? After taking this quiz, you’ll know.

If you score well, congrats. You’re going to be wealthier than 99% of your peers. Have fun with it, but also remember to share it with those that are less fortunate.

If you score poorly, don’t hang your head in shame. Use this moment to do more . . . → Read More: Will You Be Rich? Take This Quiz And Find Out!!

How I Made $1,040.15 With This Blog in July 2017

blog income report july 2017

Welcome to my July 2017 blog income report, where I share in exact detail how much I earned with this website and how I did it!

Some of you may be wondering, “Why in the heck would you share your income? Isn’t this personal? Doesn’t that feel weird?”

It’s true, we’re all taught to never talk about money and we’ve certainly been advised to never disclose our personal income! But, I’ve got thousands of reasons for doing it, and right now, you’re one of those reasons… I write these posts to help you, my readers!

Boost Your Income, Get Out of Debt, Become Wealthy

This post contains affiliate links.

My motto here at this site has always been, ‘Get out of debt, save money, and be rich.’ There are millions of people out there struggling with their finances right now. They’ve got debt and THEY WANT OUT. But they’re not . . . → Read More: How I Made $1,040.15 With This Blog in July 2017

Retire With $3 Million by Age 52??? ESI Money Did It.

Retire with $3 million

When someone does something absolutely extraordinary, I can’t help but stop and ask them, “How the heck did you do that??? (and where do I sign up?)” (Like Michelle Schroeder-Gardner who earned nearly a million bucks just by blogging last year! Holy crepe suzette!!).

…And then enters ESI Money, a man that retired at the age of 52 with over $3 million…. Yeah…I’d like to talk to this guy too!

So naturally I asked if I could interview him, and again (to my surprise), he said “Absolutely!”. So here we go. Let’s figure out how to be multi-millionaires together.

Retire With $3 Million by Age 52 – ESI Money Did It

Enter ESI Money (he likes to keep his identity private with this chunk of change, and I don’t blame him!!) – he’s a normal looking guy with a wife and two kids starting college this fall. He went to . . . → Read More: Retire With $3 Million by Age 52??? ESI Money Did It.

What a Backpack Taught Me About Cheap vs. Frugal

cheap vs. frugal

It was 2009, in the midst of the recession, and blogs full of bargains were all the rage. I was pretty excited to read about how I could get a backpack for my little kindergartner for free!

If I spent $10 on other items at this store, I could get him a free backpack with his favorite superhero splashed across the back. No biggie, since I needed groceries anyway. While we were there, he chose his backpack. (Of course, we had to have the matching lunch box.)

This cheap vs. frugal post was written by Jamie Jeffers, our incredibly talented staff writer!

What a Backpack Taught Me About Cheap vs. Frugal

…Before we even got to Christmas break, the straps were already broken. We tried to tie them up the best we could, but it was also wearing out at the bottom.

My free backpack wasn’t such a . . . → Read More: What a Backpack Taught Me About Cheap vs. Frugal

Should You Sell Your House to Get Out of Debt?

should you sell your house to get out of debt

You are absolutely pumped to get out of debt. You sit down, gather up all your credit card bills, car loans, and student loans… Every time you think about this debt, it completely paralyzes you, but then you’re struck with an epiphany! You could sell your house to get out of debt (thank you equity!!)!

But…is this a wise move?

Should You Sell Your House to Get Out of Debt?

Thanks to the huge spike in the housing market, many people are gaining equity back in their homes – HUGE equity. In fact, according to Zillow.com, a house that was worth $150,000 in 2012 is now selling for $200,000 or more, just five years later. If you happened to be one of the lucky ones that purchased a home in 2011 or 2012 (or pre-2005), you’re probably sitting on $50,000 or more in home equity.

So, if you simply sold . . . → Read More: Should You Sell Your House to Get Out of Debt?

4 Solid Benefits of Dog Walking Through Rover.com

benefits of dog walking

Ideally, generating side income should be simple, straightforward, and fun. In reality, many part-time gigs drain your time and energy more than you’d expect. That’s why using an existing infrastructure to find work can be a great solution. The gig economy is making flexible, lucrative work more and more accessible. Rover.com is a perfect example.

4 Solid Benefits of Dog Walking through Rover.com

The site offers pet care services, focused specifically on pet-sitting provided by local dog lovers. When you sign up on Rover.com, you can select the services you want to provide. Becoming a dog walker on the site is an easy way to start generating money immediately, while doing enjoyable work. There are many benefits to becoming a Rover dog-walker.

Written by Nat Smith, Rover.com community member. Rover is the nation’s largest network of 5-star pet sitters and dog walkers.

Be Your Own Boss

Set your own limits, . . . → Read More: 4 Solid Benefits of Dog Walking Through Rover.com