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

31 day money saving challenge

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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 . . . → 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)

My Worst Investment Decision To Date…

my worst investment decision to date - double top

I made a mistake. I was hoping I wouldn’t have to admit it, but after two years and a continued drain on my wallet, I think it’s safe to say that I’ve made my worst investment decision to date…

My Worst Investment Decision to Date

It was June 2016. Liz and I had our first rental property humming and we were starting to save aggressively for the next one (with cash of course – we figured it would take about 2 years). At the time, the Dow was at $17,400 (the highest it had ever been) and the stock market had already been flailing for an entire year. And that’s when I saw it. The double top…!!

The Double Top? What the Heck Am I Talking About??

Back in my college years, I was way more interested in stock investing than I am today (these days I’m all about . . . → Read More: My Worst Investment Decision To Date…

How We Built a 6-Figure Blog in 8 Months with SEO/Organic Traffic

make serious money with your blog

Whoa, talk about an awesome post here! Ben Huber, from Dollar Sprout, got into the nitty-gritty details of building up SEO (search engine optimization) and attracting organic traffic. And we all know, the more traffic you’ve got, the more money you’ll make with your site! In his case, it was A LOT more money. Get out your note pad and get ready to learn! It’s time to make serious money with your blog!

Life rarely goes as planned. You make decisions you think are in your best interest only to find out later this isn’t always the case.

Take college for example. You graciously accept what often amounts to six figures of debt under the premise that it’s a non-issue and you’ll have it all paid off, and more, with your shiny new post-grad job.

I know, speaking for myself, that the thought of debt didn’t even cross my mind. . . . → Read More: How We Built a 6-Figure Blog in 8 Months with SEO/Organic Traffic

Types of Loans to Consider Before You Turn to Payday Loans

types of loans you should consider before turning to payday loans

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

Can You Be Worth More Than You Earn in Your Lifetime?

could you be worth more than your lifetime earnings

Have you ever thought about how much you’ll earn over the course of your life? If you average $50,000 a year for 40 years, that’s $2 million bucks! So, with those millions of dollars, what will you be left with? $100,000? $500,000? $1,000,000? Or…is it possible to be worth more than you earn in your lifetime???

Can You Be Worth More Than You Earn in Your Lifetime?

If you make $2,000,000 in your lifetime and have expenses like food, cars, your house, healthcare, insurance, etc. etc. etc….how on earth would it be possible for you to be worth more than you earn in your lifetime? Seems impossible, right?

Well long story short…It’s not.

As it turns out, Joe Udo from Retire by 40, J$ from Budgets are Sexy, and J.D. Roth from Get Rich Slowly have already explored this phenomenon. And they use a measure called, “The Lifetime Wealth Ratio.

. . . → Read More: Can You Be Worth More Than You Earn in Your Lifetime?

June 2018 Blog Income Report – Coming Back Down to Reality…For Now

June 2018 blog income report

Back in March, I earned $3,600 with my blog. It was incredibly surreal and I didn’t know if it was sustainable. As it turns out…it wasn’t. I’m now coming back down to reality, but you know what? Now I have a clearer vision of what it will take for this blog to earn some serious bucks in the future.

June 2018 Blog Income Report – Coming Back Down to Reality…For Now

In June, I was mainly focused on finishing off the project house…and not so much on this blog. As it turns out, the focus worked since we sold it for a $27,400 profit. Buuuttt, the income on this blog took a bit of a dive – for two reasons:

I didn’t post a ton of fantastic content (I posted good content…but not fantastic content), so my visitor numbers went down slightly I stopped writing for outside blogs (which were . . . → Read More: June 2018 Blog Income Report – Coming Back Down to Reality…For Now

How to Save Money On Your IT Costs

save money on your IT costs

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