My husband and I have tried a lot of methods to balance our bills since we’ve been married. One of our older methods was to cash our paychecks instead of deposit them. That evening we would set aside what goes to what bill and what remains for groceries, gas, etc etc. Well that method didn’t work too well for us because we can’t keep track of where the cash goes and I don’t like that. We spend cash quicker than {Read More}
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Wouldn’t it be nice to just spend money as if it didn’t matter? I would LOVE to walk in to a store sometimes and just buy my favorite outfit, never looking at the price tag. But that is not something many of can do, so we have to think about living within a budget. It can be intimidating to say the least, you know where your money is going and to whom, but how can you live with what is {Read More}
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Hoping to pick up some better habits when it comes to money? The below are all great ones to consider. And I get that not all of them is going to work for everyone, but I challenge you to consider doing as many as you can. It might not be as hard as you think! 1. Use coupons. Non-frugal people don’t understand how $0.50 and $1.00 coupons can add up to big savings. You don’t have to spend hours {Read More}
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We all know that comparison-shopping saves money, and chances are you’ve done it before to great effect. Most people only do it on major purchases like appliances, furniture, or electronics because it’s time consuming and requires a fair amount of forethought. Well, times have changed. There’s no reason to overspend on almost anything anymore. Technology has made comparison-shopping quick and painless in some unlikely ways: Also Read: You Have to Change Your Mindset to Save Money 1. Major Comparison {Read More}
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Many people find themselves in a money emergency, unable to take care of a sudden expense. This can happen due to medical expenses, a car accident, or any unforeseen emergency. While ideally you have a savings plan to give you extra money when you need it, you could be early in your savings or you may not have been able to start your savings plan yet. Whatever the case, you do have some options to help you through your money {Read More}
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Sometimes when we look at ways to adjust our budget, we see long-term goals. You can make some budget tweaks immediately, however, and see immediate gains. Here are four ways you can adjust your budget today and see the savings within the next 30 days (sooner with some). 1. Insurance Policies – Are you paying too much for your car insurance? You hear that question all the time in commercials, usually for companies that will charge you just as much {Read More}
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Once you buy a house, you’re locked into a mortgage for 30 years, right? Wrong. Most banks have done away with prepayment penalties and made it easy for you to save money on your mortgage and pay it off early. Your mortgage may be the biggest expense you ever have, so why not cut it down and get rid of it as quickly as possible? These tips make it easy to pay your mortgage down fast. Add Two Extra Payments {Read More}
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We’ve all done it and we’ve all felt guilty for it. You only plan on spending $300 (or $200 or $100) at the grocery store, but when you get to the checkout, your total is $30 or $50 more. To spare yourself time and embarrassment, you just put it all on credit. This leads to debt and overspending. Need to break this habit? Use envelope budgeting. When my husband and I were $80,000 in debt we had to figure out {Read More}
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You love coffee. Many people do, and for many people, the day does not begin without coffee. If you enjoy your morning cup, the cost can add up. Fortunately, you can save money on your coffee very easily. You just need a little willpower and some ingenuity. Downsize Your Coffee Menu You love your coffee shop coffee, whether it is Starbucks or a local shop. That latte, however, can add up very quickly. If you simply must have your coffee {Read More}
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You have been doing really well and saved money for an emergency. You have pinched pennies. You have cut corners. You have avoided the temptation of the Chai Latte. Now, you are looking at an emergency and wondering – Should I dip into my emergency fund? Sometimes that answer can be easy, sometimes it can be tough. Sometimes we are tempted to go to that fund when we don’t really need it. So how do we know when we have {Read More}
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