How to Save Big On Back To School Shopping

save big on back to school shopping

Summer is almost over (Seriously? It feels like it just started!), which means many children, and their parents are preparing for back to school. Did you know that in 2015, parents in the U.S. spent $25 billion dollars on back to school shopping? That’s an average of $630 per child. Holy crap!

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

How to Save Big on Back to School Shopping

If you’re like most, I doubt that your bank account is loaded up with hundreds (or thousands if you have multiple children) of dollars, just waiting to dole out on your kids for this upcoming school year. So what can you do to save big on back to school shopping?

1) Inventory Check

Before you go shopping or even set a budget, you need to check and see what you already have. Keep a running checklist . . . → Read More: How to Save Big On Back To School Shopping

How to Buy a House In a Ridiculously Expensive Area

buy a house in an expensive area

“Seriously Derek… All your posts talk about people buying houses for $100k and $150k. What kind of fairy tale land is this? I live in California where the cheapest house known to man is $700k. How in the heck can I afford to buy a house?”

If you live in New York, Boston, Seattle, San Francisco, San Diego, or any other ridiculously expensive area, then this post is for you. Because today, I’m going to show you how it’s possible to purchase your very own house on almost any income.

Want to buy a house in an expensive area? Step right up and let’s get crakin’.

How to Buy a House in an Expensive Area

Let’s say that you have your heart set on buying a house (and you absolutely refuse to move to a lower-cost area), what all can you do to make it happen?

The Rules of Buying . . . → Read More: How to Buy a House In a Ridiculously Expensive Area

Sell My Site For $60,000???

sell my site

An unexpected event happened the other day… An agency reached out to me via email, saying they were interested in buying my site.

Their questions were simple.

How much does your site earn per month? What would you be willing to let it go for?

I didn’t think much of it. I’ve had these emails before and they usually turn into a $5,000 offer, which is just plain ridiculous.

Within a day or two, I casually responded that my site earns between $1,000 and $1,500 a month (anyone can see this by the way – just check out my income reports), but that I was still working to better monetize it (this has never really been a strong point of mine).

Since I absolutely love this site and consider it part of my long-term career plan, I set the bar high:

“For me to even consider selling, I’d . . . → Read More: Sell My Site For $60,000???

10 Cheap Recipes You Can Make in 15 Minutes or Less

cheap recipes you can make in 15 minutes or less

Want to cut your expenses so you can get out of debt? The top 3 most expensive budget items today are your house, your car, and FOOD. If you want to put a dent in your debt, tell your stomach to watch out! It’s time to make a change!

10 Cheap Recipes You Can Make in 15 Minutes or Less!

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

Even if you love cooking, chances are life can get in the way sometimes. Many days, families, busy professionals, or college kids just don’t have the time to make a delicious 4-course meal. And to top it all off, food can get expensive! But it doesn’t have to be that way. Here are 10 cheap recipes you can make in 15 minutes or less.

#1. Simple Fried Rice

Fried rice is one of the ultimate cheap recipes . . . → Read More: 10 Cheap Recipes You Can Make in 15 Minutes or Less

Free Mortgage Payoff Calculator – How Fast Could You Pay Off YOUR Mortgage??

mortgage payoff calculator

You paid off your credit cards, student loans, your car. You saved up a solid emergency fund and now you’re investing 15% for your retirement. Holy crap, you’re rocking it!! And now it’s time to start paying off your house! Woot woot!!

FYI – If you’re not quite up to this step yet (ie. you still have consumer debt), be sure to use this debt snowball tool for help! And then come back to this post when you’re in a better position to slay your mortgage!

How Fast Could You Pay Off Your Mortgage?

Alright, so now you’ve got a 15-year, a 30-year, or maybe even a 50-year mortgage (hopefully not though!). What if you started throwing some extra money at it? How quickly could you pay it off? I bet you’d be surprised!

Related: Should You Pay Off Your Mortgage Early?

In January of 2015, I made the decision . . . → Read More: Free Mortgage Payoff Calculator – How Fast Could You Pay Off YOUR Mortgage??

5 Ways to Stay Stuck In Debt Forever

5 ways to stay stuck in debt forever

If you’re a regular visitor to LifeAndMyFinances.com (thanks and welcome back!), then you know that there’s plenty of practical, down-to-earth advice here on how to become — and stay — debt free.

However, sometimes in life, it’s more memorable (and also more entertaining) to look at things from the other end of the spectrum — i.e. what NOT to do.

For example, some diet and wellness experts highlight ways that people can add pounds and ruin their health as a kind of scare tactic. The same goes for law enforcement organizations when they want to get people to wear their seatbelt, stop drinking and driving, and so on. Stories and photos of smiling, safe drivers is kind of forgettable. Stories and photos of drivers laid out on a morgue slab is striking.

5 Ways to Stay Stuck in Debt Forever

Well, today I thought it would be illuminating to . . . → Read More: 5 Ways to Stay Stuck In Debt Forever

Michelle Made Almost $1 Million Blogging Last Year…So I Asked Her a Few Questions… ;)

 

Michelle Schroeder-Gardner has earned more money in just a few years than most people do in their lifetime. And that’s not even the most amazing part. She didn’t earn this pile of money by becoming a doctor or lawyer. She did it by blogging….!

I aspire to do the same – and many of my readers do as well – so why not ask one of the most amazing bloggers of all time a few questions about how she did it??

If you don’t have a blog yet, but are inspired to start – check out my page, “How to Start a WordPress Blog on iPage for Just $24“.

For those of you that already have a blog – read on, learn, and dream!

* * * * *

Michelle, last year you earned $979,321 with your blog MakingSenseofCents.com. Holy crap! But, before we get into that, I . . . → Read More: Michelle Made Almost $1 Million Blogging Last Year…So I Asked Her a Few Questions… 😉

What’s Your Spare Time Actually Worth?? It’s Time to Quantify It!!

spare time actually worth

“Hhhgggrrr,” I grunted as I attempted to fit one more curl into my set. My face was red, I was out of breath, and to be completely honest, I was even a little dizzy… Of course it was at that moment (why is it that opportunities always come when you’re visibly at your worst??) that a guy behind me wanted to get chatty, “So what is it you’re training for?”

Somewhat embarrassed, I basically told him, “Nothing” (I’m just crazy enough to work out for the sake of working out), and then we got into the small-talk conversations…our names, ages, where we work, etc.

He was a financial advisor and was obviously well-off. After learning about my passions and my work, it was pretty evident that he thought I should be the same.

“You’re old enough, you can look people in the eye when you talk with them, and you . . . → Read More: What’s Your Spare Time Actually Worth?? It’s Time to Quantify It!!

Ready to Invest? Earn a Free $50 with Wealthsimple

Wealthsimple logo

The beauty of becoming a reputable blogger is that you can help tons of people with their financial decisions AND you can give them great deals on some fantastic products.

The second part…the part where you get an amazing deal…this is one of those times.

Wealthsimple is an investment website where you can buy low-cost ETFs that match your investment style. And, if you invest with them through this link, you can earn an extra $50!

This post contains affiliate links, but at no extra cost to you!

What’s So Great About Wealthsimple?

Why am I so excited to promote Wealthsimple?

I’ve got 7 solid reasons: They make diversification easy with simple investment options that fit your “money personality” They have socially responsible options if you’d rather avoid the companies with bad habits There’s no minimum investment which means no one has an excuse! 🙂 The fees are super low . . . → Read More: Ready to Invest? Earn a Free $50 with Wealthsimple

My June 2017 Blog Income Report

june 2017 blog income

Whoa. June is over already? Time flies when you’re having fun! And let me tell you, blogging has been incredibly fun lately.

Two of my posts have been extremely popular in the personal finance world and continue to drive crazy traffic to my site:

How Much Should You Spend on That?, and How The Debt Snowball Really Works (Free Debt Calculator Included!)

And, as if that weren’t enough, I was featured on CNBC and Yahoo! Finance for my debt payoff story!

The blogging life is good. It’s easy to see why I recommend blogging to all my friends, right??

You might not realize it, but you can: Start a blog for just $24 for the ENTIRE FIRST YEAR! Follow this link to sign up, and here’s a step-by-step guide if you don’t think you can do it yourself. There, simple! Use blogging to learn more about a topic yourself . . . → Read More: My June 2017 Blog Income Report