5 Ways to Save and Get Out of Debt

ways to save money and get out of debt

Debt can make it impossible to live a normal and happy life. When you’re constantly worried about making payments and stressing about how you’re going to get out of debt, it’s hard to stay positive. Sadly, we live in a culture of credit, and most people are way too willing to make purchases that they can’t afford to pay off quickly. This leads to ever-increasing amounts of debt that can quickly become a nightmare situation. So why not think of ways to save and get out of debt?!

5 Ways to Save and Get Out of Debt

By understanding how to start saving money and committing yourself to paying off your debt, you can achieve financially freedom and stability. While it won’t happen overnight, if you stick with the plan, you can see a drastic reduction in your debt.

Here are 5 great ways to save and get out of . . . → Read More: 5 Ways to Save and Get Out of Debt

Tips to Save Money On Your Renovation

save money on your renovation

When you feel like you need a change of scenery, it can be a tough call between sprucing up your existing home or looking for something entirely new. Whether you’re looking for a new build or an already-established home, there are so many options out there for real estate – even real estate in Montgomery, TX! If you decide to buy an existing home, chances are that it’s going to need some work. Instead of paying the “professionals” an obscene amount of money to do it for you, why not save money on your renovation and do the work yourself?!

Tips to Save Money On Your Renovation

With the inflated housing market across the country, some folks are choosing to wait a bit longer to relocate, and are focusing on making changes to their own homes instead. Home renovation can be costly and often end up being a much larger . . . → Read More: Tips to Save Money On Your Renovation

BillCutterz Absolutely Shocked Me And Saved Me Money on My Phone Bill

save money on your monthly bills - billcutterz

Have you ever thought, “Man, it sure would be nice to lower some of my bills, but calling all of my providers and haggling with them is going to take f-o-r-e-v-e-r…”? And then (of course) you never get around to it and just keep paying your ‘not-so-obscene-but-probably-too-high’ prices… Yeah, you’re definitely not alone. For all of you that are just too busy to save money on your monthly bills (which is probably every single person reading this), I highly recommend BillCutterz.

Save Money On Your Monthly Bills With BillCutterz

This post contains affiliate links.

I spoke with Barry Gross, the owner of BillCutterz, about a year ago and got such a good vibe from him and what his company was doing that I agreed to partner with him immediately. Since then, I’ve actually done an awful job promoting his company, but thankfully they were still successful in saving some . . . → Read More: BillCutterz Absolutely Shocked Me And Saved Me Money on My Phone Bill

How to Get a Credit Card Interest Rate Decrease

which debt to pay off first

Many people have had the same credit card for years, always paid on time, and never got an interest rate decrease. However, in most cases, these people don’t know the key secret… You must ask!

How to Get a Credit Card Interest Rate Decrease

Think about it; when you’re making a tidy return off an investment every month, are you inclined to offer to take less? Neither are credit card issuers. However, they sometimes will; especially if they think you’re about to move your account to a competitor.

Naturally though, there are certain parameters you’ll need to meet before you inquire. So, here’s how to get a credit card interest rate decrease.

1) Know What You’re Dealing With

Before you contact your issuer, check your credit score to make sure it’s good. Most rating agencies consider a 700 or above admirable. If you’re rocking an 800 or better, your . . . → Read More: How to Get a Credit Card Interest Rate Decrease

The 31 Day Money Saving Challenge – Reduce Your Bills by $500 a Month!

31 day money saving challenge

How would you like to reduce your bills by $100 a month? $200 a month? Or maybe even $500 a month?? What would that mean to you right now? It could give you a much needed vacation with your family, enough funds for that long-overdue car repair, or maybe even enough for a surgery that you’ve been putting off because you could never find the cash. With the 31 day money saving challenge outlined below, not only is it possible to do all these things, but it’s absolutely achievable!

The 31 Day Money Saving Challenge

This post contains affiliate links.

There are a lot of money saving challenges out there. Things like:

Don’t buy groceries for a month Save up $1,000 in 4 weeks Put $1 a day into savings for a year…

These are okay challenges and you can learn something from them, but the problem is they’re finite. . . . → Read More: The 31 Day Money Saving Challenge – Reduce Your Bills by $500 a Month!

10 Easy Ways to Curb Bad Spending Habits

curb bad spending habits

So you overspent last month…again. And now you’re trying to figure out where you went wrong and how to avoid it in the future. Does that sound like you? If you find yourself constantly thinking about your bad spending habits, and you’re ready to make a change in your finances, keep reading. Here are 10 easy ways to curb bad spending habits, and have more money in your pocket.

10 Easy Ways to Curb Bad Spending Habits

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

It IS possible. You CAN have control over your spending and actually have money left at the end of each month. Just read below and take one small step at a time. Over time, you WILL gain control of your money, and it’s the absolute best feeling in the world – to control your money instead of having it control you.

1) . . . → Read More: 10 Easy Ways to Curb Bad Spending Habits

8 Reasons Whole Life Insurance Sucks (and What You Should Buy Instead)

whole life insurance sucks - family

I’m a husband. I’m a dad. My family depends on my income and my help around the house – whether it’s repairing the roof, putting together a new “big girl” bed, or even something as simple as changing yet another diaper…My family needs me. And, if I suddenly couldn’t do these things, they’d desperately need an income to replace me. This is where life insurance comes in. And, after looking at and studying many different options, I’ve come to the conclusion that whole life insurance sucks and pretty much no one should consider wasting their money on it.

8 Reasons Whole Life Insurance Sucks

Are you in the market for life insurance? Do you have a friend that’s trying to sell you on something and you’re just not quite sure about it? If you think their solution for you might be whole life insurance, run far and run fast my . . . → Read More: 8 Reasons Whole Life Insurance Sucks (and What You Should Buy Instead)

Types of Loans to Consider Before You Turn to Payday Loans

how much should you invest in your 401k

There are a million reasons you might find yourself needing extra cash. Maybe you have medical bills pop up, or a car repair that can’t wait. Maybe you just want to finish up a home improvement project. Whatever the reason, there are a lot of ways you can get your hands on the extra cash. DON’T take out payday loans. Instead, take a look at all the types of loans to consider before you turn to payday loans.

Types of Loans to Consider Before You Turn to Payday Loans

Payday loans range from $100 – $1,000 are unsecured loans, meaning there is no collateral.

The Trap of Payday Loans

If you’ve ever seen a commercial for a payday loan company, they can make it seem very attractive. You don’t have to wait for your paycheck, and you get the cash you need immediately.

What’s so wrong with that?

The problem . . . → Read More: Types of Loans to Consider Before You Turn to Payday Loans

How I Talked Myself Out of Buying a Better Car

talked myself out of buying a better car

Liz and I recently paid cash for a house, fixed it up, and sold it for a $27,000 profit! This allowed us to stash $122,000 in the bank, which is more money than we’ve EVER had at our disposal. It’s a great thing, but honestly, it’s giving me the “I want to buy some cool stuff” shakes. I know I know, it always seems like I’m so calm and collected when it comes to money, but everyone has their breaking point, right? Lately, because of this money in the bank, I’ve been subconsciously looking at cars again… This post is basically about my car fever and ultimately snapping myself out of it. Thankfully, I successfully talked myself out of buying a better car.

How I Talked Myself Out of Buying a Better Car

I currently drive a 2003 Pontiac Vibe. It has 167,000 miles on it, has quite a few . . . → Read More: How I Talked Myself Out of Buying a Better Car

How to Save Money On Your IT Costs

fintech

Every small business owner knows that there are some expenses that fall into the “death and taxes” category – you just can’t avoid them. Top of the list comes tech. Even a self employed freelancer living nomadically and surviving from one gig to the next will shell out money on a decent quality laptop and the right software to do whatever it is they do.

How to Save Money on Your IT Costs

Whether you fall into that category or you operate a fledgling business that just might have the potential to grow into something more, tech is massively important for success. And it can also be a huge drain on finances. Here are some ways to ease the pain and save money on your IT costs.

Outsource IT support

There is a general misconception that the cheapest way to do something is to do it yourself. With IT support, . . . → Read More: How to Save Money On Your IT Costs