Instead of a New Year’s Resolution, Make a New Year’s Reflection!

If you’re new here, you may want to subscribe by email and receive my free eBook, “101 Ways to Make More Money”! Thanks for visiting!

Every year millions of people around the world look to the New Year as a chance to hit reset and start anew. We view the progression of time with a renewed vigor as it allows us to raise the bar we set last year. The version of ourselves from the last 365 can’t hold a flame to the new and improved you.

The 2018 us will have a

fully funded emergency fund, IRA, 401k, and see the next bitcoin coming before the talking heads on our gym’s TV do.

Wait, if all it took is a new year to conquer all that ails us, then why wasn’t the last year our great reckoning? These new years come around every time the garbage . . . → Read More: Instead of a New Year’s Resolution, Make a New Year’s Reflection!

8 Tips to Be Frugal Without Feeling Deprived

tips to be frugal without feeling deprived

Frugality has gotten a bad rep. Many frugal people are looked at as cheap, penny-pinching, or during the holidays, scrooge-like. However, being frugal doesn’t mean you have to throw your life away. It is possible to be frugal and still have a good time.

8 Tips to Be Frugal Without Feeling Deprived

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

So how can you do it? Check out the 8 tips below and you’ll be well on your way to being frugal without feeling deprived.

Make A Budget

How do you know if you are being frugal if you don’t know what’s coming in or going out? The very first step you should take is make a budget. It’s possible to be frugal without feeling deprived, but you have to know where to start.

Your budget doesn’t have to be super fancy. In . . . → Read More: 8 Tips to Be Frugal Without Feeling Deprived

First Time Investing Without Too Much Risk

first time investing

You’ve worked hard to save, and the last thing you want to do is to risk losing those hard-earned dollars. But at the same time, wouldn’t it be great to be making more than 2% (or less) on your savings sitting in an account at your bank? The cost of living is increasing while your savings seem to be shrinking. You hear stories about investors in the stock market making huge profits, but it can mean losing some or all of your money if a company falters or fails completely.

First Time Investing Without Too Much Risk

The official advice is never to invest money that you can’t afford to lose. So, without risking a substantial amount is there a way you could try investing on a smaller scale, maybe making a little more on your money through capital growth or dividend income without chancing it all?

Low-risk shares are . . . → Read More: First Time Investing Without Too Much Risk

You’re Broke…and You’re Making Everyone Else Rich

making everyone else rich

You’re better than average, right? I mean…you earn a decent income at your job, you’ve got a double-digit 401k, and you don’t have that much debt. Compared to everyone else, you figure you’re doing pretty good! In reality though, you could be doing so much better, and instead of becoming rich yourself, you’re making everyone else rich around you!

Don’t believe me?

Keep reading.

You’re Broke…and You’re Making Everyone Else Rich

Let’s think about it. What bills do you pay on each month?

Your car The house Credit cards Your student loans

And…then you spend a little extra on yourself each month – random tools, a new purse, going out to eat.

This is a pretty common list. Almost everyone on this planet can look at these items and nod their head in agreement. But you know what? This simple list is making you broke, and you’re making everyone else . . . → Read More: You’re Broke…and You’re Making Everyone Else Rich

The Rental House Progress – Two Months In!!

rental house progress

Have we really owned this house for two months already?? Sheesh… It feels like 2 weeks. There is still so much to do, I bet we’ll still be at this 3 months from now. BUT, it will all be worth it once we sit back and collect our $1,300 rent check each month! 🙂

For those of you that are just recently joining us, you can quickly catch up on our rental house progress with these posts:

How We Just Scored a $100,000 House for $75,000 Our New Rental House Project – Video Walk Through! Our Rental House Progress – 3 Weeks In The Rental House Progress – Two Months In

This is definitely a bigger project than we initially thought it would be (in our minds, we were going to tear down the paneling and patch the plaster – a 1-2 week job….and now all we see are 2×4’s…), . . . → Read More: The Rental House Progress – Two Months In!!

4 Goals That Could Turn You Into a Personal Superstar in 2018

Personal finances are an important part of life – the quality of your finances has a direct influence on your quality of life and other life experiences. However, your finances will naturally tend to move out of control and you’ll constantly feel like you are swimming out of your depth because human wants are unlimited but the resources available to meet those needs are limited. But, setting personal finance goals at the start of each New Year could give you a sense of direction in your finances. This piece provides insight into 4 personal finance goals you should work towards achieving in 2018.

1. Start each month with a written budget

Many people just go with the flow in financial matters – they spend money when it is available and they stay “humble” when they are broke. A budget is a simple tool that helps you regain control of your . . . → Read More: 4 Goals That Could Turn You Into a Personal Superstar in 2018

Make More Money with Uber – Now You’ve Got Two Options!

make more money with uber

You know those debts that have been weighing you down? Remember when you said you’d do anything to get rid of them…but then you just kept watching TV?… You just weren’t quite ready. You didn’t want it bad enough.

But what about today?

If your stress level is rising through the roof and you just want to scream, “THAT’S ENOUGHHHHHH!! I’VE HAD IT!!!!”, then it’s time to start making more money. And I believe there’s no quicker and easier way to start earning money than with Uber.

Make More Money with Uber – Now You’ve Got Two Options

We’ve all heard of it, and many of us have probably used Uber to get from one place to another, so why not become a driver? You can:

Earn some decent money (and it’s unlimited!) Make your own hours Use it to pay off your debt faster!!

And, you might not know . . . → Read More: Make More Money with Uber – Now You’ve Got Two Options!

Protecting Your Small Business From Security Breaches

protecting your small business from security breaches

We can all agree that with the increasing number of online tools available for us to use, managing a business has never been easier.

Now we are able to look at:

our inventory, staff schedule, analytics, promotion ads insights and more in just one dashboard!

These online tools have presented us countless ways on how we can target our audience, keep our employees effective and motivated, and expand in a manner that was not possible before.

Protecting Your Small Business From Security Breaches

However, with improvements in technology come big problems too, specifically, hacking. It is the act of breaching computer defenses and exploiting system weaknesses to steal or corrupt digital assets. Hackers today are not picky with targets, in fact, they will most likely target small to midsize companies more.

The hacker psyche

We all know now that even big corporations, who are known to invest tons of money . . . → Read More: Protecting Your Small Business From Security Breaches

How to Save Money on Your Bills Without the Hassle

You always hear of ways to save money on your bills. But sometimes, these tips and tricks include making a ton of calls, almost freezing to death (just to save a few pennies on energy costs), and constantly haggling just to save a dollar. But, how do you save money on your bills without the hassle?

How to Save Money on Your Bills Without the Hassle

This post has been written by our staff writer, Kimberly Studdard. It may contain affiliate links.

Switch Providers

If you are tired of the endless calls, constant back and forth, and/or crappy customer service, switch providers! While this may not work for all of your bills, it should work for a least some. For example, if you find that your car insurance rates keep going up instead of down, and it’s not due to you, get quotes on other insurance companies. If you find . . . → Read More: How to Save Money on Your Bills Without the Hassle

Complete Debt Freedom – 3 Years In!! What’s It Like??

Complete Debt Freedom

“I want a divorce”

Those words barreled toward me like a hundred ton freight train. They struck me, pushed me backwards into the wall and I slunk down to the floor like someone having a heart attack. Never before had I heard these words and never did I think something could hit me with so much force as this.

From then on, my life was changed forever.

Complete Debt Freedom – 3 Years In!!

November 27, 2012 – that was the divorce date. It absolutely killed me emotionally, but financially…it lit a fire inside me that no human being could have possibly put out. Not with their words, not with their disapproving glances – heck, they couldn’t even have stopped me if they knocked me down and beat me. It was time to break the ties to my past so that I could open the floodgates of prosperity to my . . . → Read More: Complete Debt Freedom – 3 Years In!! What’s It Like??