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    Tag: save money

    Frugality is Important to Wealth

    Money management requires some discipline. Personal finance is 80% behavior and 20% knowledge, so that behavior needs to include some discipline about spending, saving and…

    Dr. Maria James May 21, 2014
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    Where Should I Put My Emergency Fund?

    Everyone needs an emergency fund. The money you save for a rainy day or unexpected expenses is your emergency fund. Say the windshield cracks, you…

    Dr. Maria James May 14, 2014
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    10 Actions Needed for Financial Freedom

    The terms financial freedom and financial independence generally refer to the same concept or ideal. However, individuals consider them to mean different things. For some…

    Dr. Maria James March 26, 2014
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    How to Save Money on Holiday Travel

    Holiday season is the one of the busiest if not the busiest time of the year to travel. Of course, you’re spending money on tickets…

    Dr. Maria James December 5, 2013
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    5 Tips for Cutting Costs on Thanksgiving Dinner

    It’s almost Thanksgiving Day, just two weeks left. Many of us celebrate Thanksgiving by eating large meals with friends and family. We have our traditional…

    Dr. Maria James November 13, 2013
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    4 Tips to Combat Holiday Marketing and Save Money

    As soon as October hits, marketing for the holidays starts. We are bombarded with commercials and ads for Halloween, Thanksgiving and Christmas. No matter what…

    Dr. Maria James November 7, 2013
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    Groceries for two on less than $200 a month. How to save money on groceries.

    Updated February 2025 One of the biggest expenses in the household is usually the food budget, which increases as the family size increases. Shopping for…

    Dr. Maria James July 13, 2013
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    • 15 Powerful Actions to Transform Your Financial Future This April
      April marks Financial Literacy Month, and a perfect time to take control of your financial future. While many people make New Year’s resolutions that fade by February, spring offers a natural opportunity to reassess and recalibrate your money strategies. Whether you’re a seasoned professional or just starting your financial journey, these 15 actionable steps will…
    • 5 Steps to Save Money Fast on a Low Income
      Saving money fast on a low income is a challenging yet achievable goal. By implementing strategic financial practices, you can take control of your finances and build a more secure future.  I saved $10,000 while earning $23,000. I’m going to walk you through the five steps that will allow you to do it too. We’re…
    • Which Health Plan Should I Pick for Next Year and Should I Use an HSA or FSA?
      It’s time to make a decision about your health insurance plan. Open enrollment is coming up and you have to decide if you’re going to stick with your current plan or pick a new one. There are a lot of things to take into consideration.  Choosing a health insurance plan can feel overwhelming. Premiums, deductibles,…
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