7 Key Ways to Save Money and a $5 Saving Challenge for Real Results

We all know we need to save money. However, it can be difficult to stay motivated and actually save money. Many of us end up doing yo-yo saving, where we save money and then pull money out of savings. We repeat this cycle over and over. We need to save to maintain financial stability and afford larger priced items. We need to save in order to handle emergencies, the major…

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How to Budget Your Holiday Spending and Keep Your Goals

I know. I know. We still have five months until the end of the year. However, now is the time to craft your plan to budget your holiday spending aka dominate your end of year spending aka handle holiday spending, end of year expenses, and financial goals. According to a Varo Money survey, 74% of us didn’t budget for end of year expenses. Oh and it gets worse. A Magnify…

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How a Government Shutdown Will Affect Your Money

Well, they’re speculating another government shutdown may happen. If the government can’t agree on the budget before the current budget is up then a shutdown will occur. The budget must pass by September 30th since the new fiscal year for the federal government starts October 1st. If a new budget isn’t passed and the government shuts down, then this can royally screw with your budget. It can affect your money…

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POM046: The ABCDs of Debt Elimination with Simone Dennis

In this episode, Simone Dennis walked us through tips and techniques to eliminate debt. We discussed: that ABCD technique of debt elimination what lifestyle inflation actually look like tips to stay motivated while getting used to a new budget how to stay out of debt when it’s a good option to use a credit card   Simone Dennis Simone Dennis is a personal finance blogger, who paid off $80,000 in debt.…

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Financial Fitness Turn Up Challenge Week One

  Happy Financial Literacy Month! Well, three months have already passed. How are you doing with your financial goals?   Did you just cringe? Yeah, you’re not alone. Many people have usually fallen off track with financial goals by the time April has rolled around. However, you don’t have wait until the end of the year or the new year to get back on track. You can boost your financial…

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Get Rewards and Cash Back Without Using a Credit Card

I’ve been hearing “it’s cute that you tell us to have discipline, but I’m going to spend this holiday season.” I’ve also heard “I have the money to spend, but I still want to be savvy with it. How can I get the best out of my money?” Basically that’s saying how can you stretch it and get the most for every dollar you spend. Whichever category you fall into,…

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How I Decreased My Food Budget by 79%

I decreased my food budget by 79% and it didn’t have much to do with couponing. Food can be one of the more expensive categories in your monthly budget. It’s not a fixed expense, the amount is dependent on you. But that’s also the problem, the amount is dependent on you. I review my budget every month to see how well I did with sticking to my estimated amounts. As…

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Should I Use a Payment Plan for My Plane Ticket?

I’ve seen a number of articles announcing that you can now pay for your airline tickets using a payment plan. I’ve been people exclaim “awesome, great idea! I’m definitely going to use this!” My reaction? I cringed. Hard. No seriously, I cringed really hard and thought about the trouble this will bring.   These aren’t payment plans in the strictest sense of the word. You’re not taking the amount that…

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Top Personal Finance Myths Debunked

As The Money Scientist, of course people talk personal and business finance with me all the time. I get to hear people brag about great deals they’ve found. I hear about personal finance stories of triumph and failure, lessons learned. I also hear so many personal finance myths that masquerade as truth. These myths are causing damage. They hinder your wealth building and quest for financial freedom and security.  …

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5 Tips to Afford the Services and Items You Want or Need

  Are you familiar with the common phrase when you know better do better? If only it was that easy. Sometimes you know of actions that you should take to better your health, better your career, progress your money or advance your business, but you simply don’t have the funds in order to do it. How can you afford the services and items you want or need? How can you…

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