Saving money can be hard, but it doesn’t have to be. It depends on how you’re doing it. Let’s talk about how to save money easily. Most of us aren’t saving money just for saving money sake. You’re stacking up money for a reason. Perhaps you’re working on a rainy day pile aka an emergency fund. Or you have a short-term goal like a vacation or a down…
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,…
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…
Have you ever thought, “when should I use my savings?” You hear you should save. Save. Save. Save. However, when do you use those savings. What are some good rules to follow to know when it’s time or you’re justified in dipping into your savings? Let’s dive into them. 1) You’ve reached your money goal for an item. If you were saving a certain amount of money for…
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…
Although you may be in a season where you’re spending more money than usual, now is actually a great time to craft your financial plan for next year. If you want to successfully achieve your financial goals, write out your financial plan now. If you’re an entrepreneur you’ve hopefully been in this mode for quite a while with your business, but did you remember to do this with your personal…
Saving money can be difficult as you’re usually putting money away for an intangible item, out of sight out of mind problem, for a future occurrence that may never happen. Maybe you make a general statement such as I’m going to start saving because it’s important. This is not motivating enough to consistently save money. You may save for a week or two, but then you’re going to fall off. …
As the mornings get progressively cooler, we know that fall is coming and the holiday season will be coming close on its heels. Many of us are prone to overspending during the holiday season, 36 percent of individuals overspend during the holidays by 5 – 30%. Wow. Now, is a good time to start saving up if you haven’t started already. If you’ve been following the recommendations and have been…
I STRONGLY dislike moving. I moved every year in college and was happy when I moved into a real apartment. However, I inevitably needed to move again. I’d been at the last place for several years and you know how that goes…I accumulated way more stuff than I realized. Now I had to contend with moving furniture, piles of books and papers, and so much other stuff. I didn’t care…
The time for college drop offs and last summer vacations is fast approaching. It can be very tempting and seem almost unavoidable to spend a lot of money on the travel, accommodations or eating when visiting a different city or place. However, instead of thinking of it as the last large expense of the summer and unavoidable or a reason to go all out, let’s talk about how you can…
