9 Ways To Travel Frugally This Holiday Season

travel frugally this holiday season

Ah, the holidays. Food, family, gifts, and more are celebrated during the last three months of the year. And while it’s certainly easy to travel on a budget at any time of the year, it does seem significantly harder to do during the holidays. With travel being the biggest holiday expense for over 43% of Americans, it’s no wonder many people fear that it will cost them an arm and a leg to get home to their loved ones. But it doesn’t have to be that way! Here are 9 ways to travel frugally this holiday season.

9 Ways to Travel Frugally This Holiday Season

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

1) Book At The Right Time

While earlier is always better when it comes to air travel, you still have time to get a good deal. When looking for tickets (even for trains and buses), . . . → Read More: 9 Ways To Travel Frugally This Holiday Season

Guest Post: I Started a Website…And I’m Freaking Loving It

started a blog stripped down to real

About 15 years ago, my friend Ryan asked me if he should consider dating Jessica – a girl from his church that was quite a bit younger than him. After hearing all the good he had to say about her, I told him to go for it…and he did.

Sadly, I moved away soon after and Ryan (and Jessica) and I lost touch. You know how it goes, life just happens and suddenly a decade and a half flies by… But since then, Ryan and Jessica married (I guess the photo kind of gave that away, huh? ;)), had three kids, and had a whole lot of hills and valleys in their relationship along the way. The refreshing thing about them is, they don’t hide it. They’re genuine. If they’re struggling, they’ll talk about it together and they’ll even share their struggles with others.

Simply put, they’re amazing people, . . . → Read More: Guest Post: I Started a Website…And I’m Freaking Loving It

7 Reasons Why You Should Have Multiple Streams Of Income

multiple streams of income

Did you know that 4 in 10 Americans have a side hustle or extra source of income? That means that one of your family members, a friend, or a colleague could be working a second job or freelancing online. Or maybe the side hustler is you! Creating multiple streams of income is becoming popular among many Americans, and for good reason. Here are 7 reasons why you should have multiple streams of income if you don’t yet.

7 Reasons Why You Should Have Multiple Streams of Income

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

1) Provides A Safety Net

First, multiple streams of income provide a safety net for you. If you only work a 9-to-5, you are dependent on that income alone. So what happens if you become ill? What do you do if you get laid off or fired? How will you bounce back from . . . → Read More: 7 Reasons Why You Should Have Multiple Streams Of Income

How to Sell Your House Without Putting it on the Market

sell your house without putting it on the market

Clean, call the realtor, get an estimate on the list price, get pictures taken, take down all your personal photos, make the house look like only a housemaid lives there, list it through your agent, host an open house, and then be prepared to leave at a moment’s notice when someone wants to come look at it…right….now. This is the joy of listing and selling your home through a real estate agent out on the open market. Want to sell your house without putting it on the market? I don’t blame you one bit.

How to Sell Your House Without Putting it on the Market

As you may have already guessed, Liz and I are under contract to sell our house! And yes, we did it without ever putting it on the market. We cleaned the house once, walked the interested couple through, and negotiated to a fair price a . . . → Read More: How to Sell Your House Without Putting it on the Market

5 Unique Investment Ideas for First Time Investors

unique investment ideas

There comes a time in every person’s life when they realize that working hard isn’t necessarily synonymous to wealth. And, if something were to happen and they couldn’t keep their job anymore, their financial security could be threatened. They know it’s smart to invest for their future, but the world of stocks and bonds sounds so foreign and frightening, they just can’t pull the trigger on investing. This is where our top five unique investment ideas come in! 🙂

5 Unique Investment Ideas for First Time Investors

Here’s the good news about stock and bond investments: you don’t necessarily have to go there to win with investing.

As a first-time investor, you don’t need to enter the complicated world of Wall Street. In fact, picking out single stocks and bonds could turn out to be a big mistake (the stock market tends to punish lack of experience). For better results, . . . → Read More: 5 Unique Investment Ideas for First Time Investors

How To Manage Insurance When You’re Self-Employed

manage insurance when you're self-employed

When you work a 9-to-5 or any traditional job, you are most likely given the opportunity to join the company’s health insurance options. Even if they aren’t the best options, you still get a choice to decide what works best for you and your family. But how do you get quality insurance when you’re self-employed? Here’s how I, and many other freelancers and business owners, manage!

How to Manage Insurance When You’re Self-Employed

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

Health Insurance

One of the most important insurances when you’re self-employed is health insurance. There are many more health insurance options available now than there used to be for those who are self-employed. However, it is still incredibly important to choose the best option for you.

What Will Your Income Be?

When looking into your options, it’s important to first determine what your possible income range . . . → Read More: How To Manage Insurance When You’re Self-Employed

Visualization: Daydreaming Your Way to Success

daydreaming your way to success

I’ve been to quite a few seminars on success. I purchased the eBooks, watched the videos and joined the webinars too. One thing that always struck me is the word “visualization.” It seemed that so many success coaches were talking about the idea of visualizing your way to success. But what is visualization? Isn’t that just a glorified way of saying daydreaming? How does daydreaming lead to success?

Visualization: Daydreaming Your Way to Success

I was baffled by the concept that if you think it, you can do it. However, I had a turning point in my life after learning about Russell Ruffino. Like many, Russ Ruffino talked quite a bit about visualizing your way to success. He also went into detail about how it leads to success, and after applying his teachings, I’m becoming more successful myself.

What’s Wrong With How Most Visualize Success

If you’ve joined seminars on . . . → Read More: Visualization: Daydreaming Your Way to Success

Why It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

making payments on a cell phone

People have payments on their cars, their house, furniture, and now most of us even have payments on our cell phones!! And quite honestly, with salespeople pushing so hard toward the payment option these days (and giving us zero discounts for buying a phone with cash), it can actually be difficult to avoid making payments on a cell phone. In this post, I’m going to outline (1) why it’s dumb to agree to those payments, and (2) how to actually buy a phone outright.

It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

Remember the days when you walked into a Verizon store, signed up for a 2-year contract, got a brand new phone that was discounted down to just $200, and then walked out with a smile?

Well those days are gone…

Today, what’s more likely is that you’ll walk in, choose a . . . → Read More: Why It’s Ludicrous to Make Payments on a Cell Phone (…and How You Can Avoid It)

Here’s Why You Need More Than $1,000 In Savings

need more than $1,000 in savings

In America, 57% of people have less than $1,000 in savings. While this is considered the norm, it doesn’t have to be that way. If you’ve followed personal finance gurus like Dave Ramsey for a while, you may think that the best way to avoid getting into debt is by having an emergency fund of $1,000. That seems to be the magic number, but it’s not. Here’s why you need more than $1,000 in savings.

Why You Need More Than $1,000 in Savings

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

1) Life Is Expensive

$1,000 back in the 1970s may have been a lot of money. But these days, $1,000 won’t get you very far.

In some cases, that’s less than a month of rent. Your car could break down and cost you $1,000 just for simple repairs.

The truth is, life has gotten extremely expensive. . . . → Read More: Here’s Why You Need More Than $1,000 In Savings

Egg Freezing: Will It Help Your Career?

will egg freezing help your career

Women of earlier generations were under the belief that they couldn’t have it all. Only two options exist: a career or a family. If she chose to have a career, she would have to leave any dreams of having a family behind, and vice versa. However, it is most definitely possible for women to pursue both a career and a family in today’s society through egg freezing or oocyte cryopreservation. The only question is, will egg freezing help your career?

Will Egg Freezing Help Your Career?

Today, career women who’d like start a family someday have the option of harvesting and freezing their eggs for future use. The number of women freezing their eggs is growing at an ever increasing rate. Here are some of the reasons why egg freezing may or may not be worth the expense.

Why Egg Freezing Is Worth The Expense 1) Affords You Time to . . . → Read More: Egg Freezing: Will It Help Your Career?