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Nobody will tell you this, but it seems to be an unwritten rule that the bigger the house, the happier life will be. In almost every case, I would argue that the opposite is true.
Your family, the laughs and giggles, the adventures, and all the spontaneous fun…they have absolutely nothing to do with how many bedrooms and bathrooms your house has.
5 Ways to Make Your Home a Blessing
I have lived in our home for just over five years. I bought it as a foreclosure for cents on the dollar, fixed it up, and have enjoyed the warmth of its shelter ever since. It’s not huge and it’s not overly fancy, but it is dry, paid for, and makes me . . . → Read More: 5 Ways to Make Your Home a Blessing
Want to do better with your money this upcoming year? If you’re like most of the U.S. population, you’ve got less than $1,000 in your savings account, under $100,000 in your retirement account, and you still haven’t set up a will.
America…we can do better!
6 New Year’s Resolutions That Will Save You Money
If you really want to do better with your money this upcoming year, then start getting serious about the six resolutions below. They’re not complicated and some of them could be accomplished in less than a week! But, if you hit them all within the next year, you’ll be FAR better off 10 or 20 years from now.
1) Plan for unexpected income
Oh boy…I already know what you’re thinking – “Unexpected income?? HA! Wouldn’t THAT be nice?!” But it happens more often that you think:
Reimbursement for over-payment (often happens in medical billing) Tax return . . . → Read More: 6 New Year’s Resolutions That Will Save You Money
“It’s only $250 a month!”
“No money down!”
“0% interest for 36 months!”
We salivate at the thought of sitting behind the wheel of that brand new, shiny, sleek, smells-like-heaven automobile…ahhhHHHhhrgh (I’m sorry, I couldn’t help but drool a moment).
How Many Years of Retirement Are You Wasting?
I’m with you. I absolutely love the feel, the sound, the touch, and absolutely the look of new cars (or boats, quads, snow sleds, wave runners – whatever it is that you fancy), but would I pay $250 a month to satisfy my childish cravings?
Not in a million years.
The True Act of Payments
Here’s what you’re doing when you decide to make payments on something:
**You look at that shiny car, check your pockets, and realize your only asset is pocket lint**
**You glance sheepishly at the salesman…**
“Ummmm, I’m sorry, I don’t have any money right now, but . . . → Read More: How Many Years of Retirement Are You Wasting With That Purchase???
Everyone wants to find a cheaper way to fly, and air miles provide you with one of the best ways to do just that. But there is often confusion about air miles. How exactly can you earn them and get more out of them? Here’s a guide to everything you need to know so you can fly more for less.
Top Ways to Earn Air Miles
There are many ways to earn air miles, some of which are better than others, and here are some of the best that you may want to consider.
Become a Member
The best way to earn air miles is to become a member of an airline. If you fly with them frequently, then you get more air miles each time you fly, and these will add up over time. Lots of airlines have these, so always check the frequent flyer scheme of each airline . . . → Read More: Up, Up, And Away! How to Earn, Boost, and Redeem Airline Miles
Recent studies have shown that the average American will add $986 of debt to their household because of the holidays. While that may seem like a manageable amount for some, this debt is completely unnecessary. Having a cash Christmas can help keep your finances in order, keep your stress levels down, and also keep you from overspending.
This is a guest post from our regular, talented writer, Kim Studdard.
8 Steps to a Cash Christmas
These 8 steps will help you buckle down and keep you on track to have a Christmas with no debt.
Set Your Budget
If you plan on having a cash Christmas, the first thing you need to do is set a limit that you don’t want to go over. It can be $200, $500, or even $2,000. The important thing is knowing how much money you need to save, and how much money you . . . → Read More: 8 Steps to a Cash Christmas
Dream with me for a moment. YOU have absolutely no debt.
Your car payment is forgiven, your student loans are no more, that medical debt is wiped clean – heck, even your mortgage is completely paid for!
How much extra money do you have now?
Car loan = $400 a month Student loans = $600 a month Medical debt = $100 a month House payment = $1,200 a month
If you were completely debt free, you would have an extra $2,300 a month.
What Could You Do If You Had No Debt?
Alright, so now you’ve got $2,300 a month coming in. What would you do with it?
1) Take a vacation every month
If you had no debt, maybe you’d start the vacation of the month plan. For $2,300, you could go just about anywhere AND stay in a pretty decent hotel to boot.
2) Save . . . → Read More: What Could You Do If You Had No Debt?
Moment of honesty: I created this list of habits that make or break a debt free journey pretty easily. Can you guess why?
Because it’s MY list. I’ve messed up on each one of these items at least once. ::cough:: Definitely more than once.
Over the last several years, I’ve developed some stronger habits, which ultimately led to my husband and I getting out of debt when I was 25. However, living a life of debt freedom doesn’t end with a paid off credit card. It’s a lifestyle.
In order for my husband and I to stay strong on our debt free journey (since we’re back in debt with our first mortgage), there are some habits we’ll need to keep practicing. If you’ve been down this road, then you know what I’m talking about.
8 Habits That Make or Break a Debt Free Journey
The following is a list of . . . → Read More: 8 Habits That Make or Break a Debt Free Journey
As urbanization continues to be a powerful force in the modern world, more and more people are moving to big cities. And, more specifically, a great number of homeowners is starting to think of selling up their homes and moving into a condominium unit or a high rise. The financial challenges involved in making this move will vary from case to case; nevertheless, below you will find an in-depth account of key financial pros and cons of moving from a house to a high rise.
Financial advantages of moving to a high rise
The first and most fundamental thing to note is that a high rise is usually cheaper, both to buy and to maintain. This is not only because a high rise tends to be smaller than a typical urban home; it is also because high rises are in more modern buildings without problems relating to age. Moreover, as . . . → Read More: From a House to a High Rise – Is It Financially Worth It?
College tuition. I always expected it and worked my butt off during the summers to pay for it.
College textbooks… I somehow managed to forget this cost EVERY SINGLE YEAR.
Can you relate?
If so, this post is tailor made for you!
This post contains affiliate links…BUT they’re all awesome sites I promise. Enjoy!
10 Sites to Find Super Cheap Textbooks
Take a look at the list below, search for your textbook at each site, and pick the cheapest option! BOOM, easy!
To assist you with the comparison of each site, I figured it’d be fun to look up a textbook and see where we could find it the cheapest. Here we go, everyone’s favorite book, Principles of Managerial Finance (13th edition)! Woot Woooot! 🙂
I personally love ValoreBooks.com. Throughout my college years, I purchased over a dozen books from Valore for less than half the . . . → Read More: 10 Sites to Find Super Cheap Textbooks