10 Ways To Avoid Paying Full Price

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We live in a society where instant gratification and having the newest anything is considered cool. Some people spend money they really don’t have, overspend on items they don’t need, and even get into debt just to be able to say that they got the latest “it” item. But if you want to save some serious money and are trying to be frugal, the biggest wins happen when you can avoid paying full price for anything.

This is not to say that you can’t have new items or “it” items, but this list will help you avoid paying full price for them and even help you save money in your day to day transactions. Here are ten ways to do it!

. . . → Read More: 10 Ways To Avoid Paying Full Price

Pay Off the Mortgage Fast (Like Us) With This Totally FREE Tool!!

pay off the mortgage fast - free tool

You’re out of consumer debt, you’ve got your emergency fund, you’re investing for your retirement, and now you’re finally ready to tackle the behemoth – the mother of all debts…the house! Congrats!! Just think about the future you’ll have here – use the tool below to pay off the mortgage fast, bump up your retirement savings yet again, and then still have so much extra money that you won’t even know what to do with it all!

These are good problems to have, so let’s get you there and pay off the mortgage fast!

How to Pay Off the Mortgage Fast (Like Us!)

We were completely out of debt, owned two rentals that we paid cash for, and our retirement funds were soaring…but somehow, we just weren’t content. Life wasn’t what we expected it to be.

Maybe it was the fact that our house was originally mine and my ex’s, . . . → Read More: Pay Off the Mortgage Fast (Like Us) With This Totally FREE Tool!!

4 Investments You Can Make to Increase Your Life ROI

invest in your life

Ah, January. The start of a brand new year, and a fresh start. It’s the time of year when we start to seriously contemplate what goals we’d like to accomplish, and which projects are better left in the past. With this is mind, it seems like a relevant time to begin thinking beyond just the financial return on investment (ROI) and consider how we might start effectively begin investing in our own lives. ie. Invest in your life and increase your life ROI.

4 Ways to Invest in Your Life and Increase Your Life ROI

This post has been written by staff writer, Kerah Kemmerer.

Here are four solid areas to begin investing in your life where you will be able to enjoy the dividends for decades to come.

1. Focus on personal growth and development for physical, mental, and emotional health

While this may seem like an . . . → Read More: 4 Investments You Can Make to Increase Your Life ROI

Could You Get Out of Debt This Year?? (w/ Free Debt Snowball Calculator)

could you get out of debt this year - raining money - debt snowball

“Hi Derek! I make $60,000 a year and have $25,000 in student loans. Do you think I could roll up my sleeves and get out of debt this year?”

I get this question a lot. People know they have a decent income, they know they have debt, but they just can’t figure out how long it’s going to take them to get rid of it all. So naturally….they do absolutely nothing…

Could You Get Out of Debt This Year?

This drives me absolutely nuts!! C-mon, people! You’ve got a debt hanging out there that’s HUGE and is costing you thousands of dollars a year! Stop ignoring it! That ostrich “head-in-the-sand” approach that you’ve grown fond of…it isn’t working! That lion can still see you and you WILL get eaten if you don’t start moving and figuring out this debt thing!

So what’s the answer? What’s going to spring you into . . . → Read More: Could You Get Out of Debt This Year?? (w/ Free Debt Snowball Calculator)

20 Tips For Buying a Home in 2019

buying a home

You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home. If you are buying a home in 2019, you should know that the entire process is not quick. However, when all is said and done, there are few things more exhilarating than buying a house. This guide will help equip you with what you need to buy a house this year.

20 Tips for Buying a Home in 2019

Many of us don’t buy houses every day…or even every year for that matter, so it’s obvious that we don’t know everything that there is to know about buying a home…which is why this list is so important.

Review it, take notes, and act on this list. It could very well be the difference between buying the house of your dreams and getting stuck renting . . . → Read More: 20 Tips For Buying a Home in 2019

10 Reasons The Extended Warranty is for Suckers

best buy - extended warranty is for suckers

Ahhh the extended warranty…my old friend…and now, my arch enemy. It used to make total sense. I purchased a $900 TV…it might break, so I figured I’d better pay $150 to cover it so I’m not out the full $900 if it decides not to turn on one day. As it turns out, this extended warranty was (and still is) a joke. And, not once have I been glad that I purchased it! The extended warranty is for suckers, and I’ve got 10 solid reasons that back my story.

10 Reasons the Extended Warranty is for Suckers

“Wowwwwwwww,” expressed my 2.5 year old daughter when she walked into Best Buy for the first time in her life (what can I say, we don’t shop much!). Unfortunately, the entire experience wasn’t quite as dazzling as those first 5 seconds.

We went there for a TV that was on sale for just . . . → Read More: 10 Reasons The Extended Warranty is for Suckers

11 Ways to Get Your Finances On Track After the Holidays

finances on track after the holidays

So the holidays are over and you take a peek into your bank account. And what is staring back at you…is a complete disaster. The holidays can take a serious toll on anyone and their finances. But it doesn’t have to continue to be that way! Here are 11 ways to get your finances on track after the holidays.

This post was written by our amazing staff writer, Kimberly Studdard.

1) Stop Feeling Guilty

So first, before we even delve into the tangible steps you can take to get your finances on track after the holidays, you have to stop feeling guilty.

We all know that Christmas comes around the same time each year. We all know the New Year is filled with new beginnings. You know that you can’t take back all of the gifts, serve cheaper food, or tell your family no for this year. This year has passed. So dust yourself off, stop harboring over . . . → Read More: 11 Ways to Get Your Finances On Track After the Holidays

73% of Americans Die With Debt – How NOT to Be One of Them

die with debt no thanks

Can you believe that 73% of Americans die with debt? And it’s not just a $200 credit card balance either. On average, Americans pass away with $62,000 worth of debt. That’s just insanity!

My advice? Learn the debt traps and avoid them, then build wealth and never look back. You won’t ever regret it and you know what? Neither will your kids!

Die With Debt? No Thanks. It’s Time to Understand the Debt Trap

Of the 73% of Americans that die with debt…

68% had credit card balances,37% still had a mortgage,25% had car loans,12% had personal loans, and6% had student loans

Sheesh. That’s a wide range of debt!

Some may have only had one category of debt above, but there were others that may have had every form. On average, a sizable amount of people had credit card debt, mortgage debt, and car debt!

Why is this? . . . → Read More: 73% of Americans Die With Debt – How NOT to Be One of Them

Over Half of My Readers Are Considered Wealthy – Are You One of Them?

how to know if you're considered wealthy

Just over one year ago, I polled my reader base and asked them one question, “If you lost your main source of income tomorrow, how long could you survive without touching your retirement accounts?” Over 1,000 people responded, and guess what? Based on the response, 55% are considered wealthy!

The question I have for you is, “Are you one of them?”

Over Half of My Readers Are Considered Wealthy – Are You One of Them?

You might be thinking, “How is it possible for someone to survive without an income and without dipping into their retirement funds?”

I don’t mean to be harsh, but if you’re asking yourself this question, then I can already tell you that you’re not one of the 55% that are considered wealthy.

But you know what? That’s okay! The important part is that you’re reading this post and learning what it might take to . . . → Read More: Over Half of My Readers Are Considered Wealthy – Are You One of Them?

9 Reasons to Consider a Minimalist Lifestyle

consider a minimalist lifestyle

The word “minimalism” tends to feel like a played out one these days. It can come across as a trendy, jump-on-the-bandwagon, holier-than-thou type of lifestyle that chastises anyone who questions its sanctity. Or, maybe it’s possible you’ve never heard of it? While the word has been plastered all over the internet recently, with many interpretations as to what exactly it means, the concept is simple, and one that invites us to examine our core life values. At the end of the day, should you consider a minimalist lifestyle?

9 Reasons to Consider a Minimalist Lifestyle

This post has been written by our guest writer, Kerah Kemmerer.

In the simplest of terms, minimalism is “the intentional promotion of the things we most value and the removal of everything that distracts us from it” as defined by Becoming Minimalist. And it doesn’t look too shabby on the budget, either.

Here are . . . → Read More: 9 Reasons to Consider a Minimalist Lifestyle