April 2014
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Why The Wealthy Don’t Care About Gold


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Have you ever thought about investing in gold? Many of us realize that if the stock market tanks again (which will most likely happen in 2016) then gold prices will continue to increase in value. So, the question of many is, “Should I invest by purchasing an actual gold bar or by purchasing gold within the market?” If I were asked this question, I would recommend that someone buy actual . . . → Read More: Why The Wealthy Don’t Care About Gold

Choosing the More Expensive Option

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Here’s the dilemma that many people face: On one hand, you’re trying to save money. So you research “how to save” and you find all types of advice, ranging from making your own soap or roasting your own coffee beans. On the other hand, you’re time-crunched, and you’re not spending enough time with your family.

What should you do?

There’s no right or wrong answer, but let’s examine this topic a little more deeply.

#1: When the Two Choices Cost the Same

Twice a week, while you’re on your way home from work, you run errands. You go to . . . → Read More: Choosing the More Expensive Option

Stop Spending Your Cash

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You might be a bit confused right now because you know that I am a big promoter of using cash vs. your credit card. With cash you spend less (because it’s more painful to hand over cash instead of plastic) and you will never be able to spend more than you have in the bank. So yes, this is true, but I think it’s time for us to take this to the next level.

Rich People Delay Their Gratification

Have you ever heard of the term, “delayed gratification”? This basically means that you don’t buy something just because . . . → Read More: Stop Spending Your Cash

The Perfect Income Amount For Happiness

Have you ever thought about what the perfect income would be for you per year? Would it be $40,000? $100,000? $500,000? How much money do you think you would need to be happy? Believe it or not, there was a survey performed on this very topic. Gallup did some research and gauged day to day happiness based on yearly salaries. Obviously, a family income of $30,000 did not offer too much in the way of happiness. From this point, the higher the income, the higher the day-to-day happiness. It only made sense.

However, at some point the income . . . → Read More: The Perfect Income Amount For Happiness

14 Reasons Why You’re Always Broke


Do you ever wonder, “Why does it always seem like I don’t have any money?” Many people believe it’s because they don’t have enough money coming in, but this is hardly ever the case (and in fact, did not make my top 13). Nope, there are many other reasons why you’re always broke and all of them have to do with either your actions or your mentality. It’s as simple as that.

#1. You’re always broke because you aren’t putting money away first

Many people choose to pay their bills, buy a few fun things, and then think . . . → Read More: 14 Reasons Why You’re Always Broke

Gift Ideas NOT From a Store

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As a new mom, part of me is dreading the accumulation of stuff that comes with having kids. We currently live in a two bedroom condo that doesn’t have much of room for storage. Ideally, my husband would love if all of her toys fit in our coffee table/ottoman. We were thankful to get all the baby necessities as gifts from our registry and managed to only spend $150 of our own money to prepare for Nora’s arrival. Now I feel our new challenge is to think of kind ways to tell people we don’t need more stuff!

. . . → Read More: Gift Ideas NOT From a Store

Frugal Today, Rich Tomorrow

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Are you frugal? Or are you constantly looking for the next best thing to buy? Are you living in such a way that will allow you to grow rich in the future, or are you buying up everything that you can now, only to limit yourself in the future? Sometimes it can be hard to be honest with ourselves, but if we don’t take a hard look at our habits, then we will most likely never prosper in our later years.

Frugal Today

When I was younger I had two big screen TVs, a home theater surround sound . . . → Read More: Frugal Today, Rich Tomorrow

My So-So Budgeting in March: Review

march budget tracking

Because I really want to pay off my mortgage  by the end of this year, I have been buckling down on my budget. Each month, I am trying to keep my spending under $1,995. Since I started this budget in January, I have yet to actually do this, and March has been a similar story unfortunately.

In the month of March, I actually spent $2,660…which means that I overspent by $665, but I have my reasons. For the most part, all of my expenses were in check, but I did buy that Malibu car (that I flipped . . . → Read More: My So-So Budgeting in March: Review

6 Ways to Increase Your Income

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Are you looking to increase your income? I think we all are aren’t we? The great news is that everyone can do something that will ultimately increase their dollars each month. Take a look at the list below. If you implement just one of these strategies, I bet you can find yourself with a higher income in a relatively short period of time!

#1. Start a Side Hustle

Many of you are aware that this website is my side hustle. It provides me with a nice additional income to pay off bills, to put money into my savings . . . → Read More: 6 Ways to Increase Your Income

8 Things You Can Do Once Your Credit Cards Are Paid Off

debt is paid off

Do you carry a credit card balance?

I know, I know — if you’ve been reading financial blogs for a while, it might be tough to admit that you carry a balance on your MasterCard. But if you’re in that situation, it’s important to face the cold, hard truth.

(And check out the success stories that come from people who have paid off their balances. They’re incredibly inspiring.)

So — for the benefit and inspiration of anyone who might be carrying credit card debt — I’ve compiled a list of eight things that you can look forward to . . . → Read More: 8 Things You Can Do Once Your Credit Cards Are Paid Off