Tuesday, April 24, 2018

Little Ways to Save Money for Trips | So Every Day

Little Ways to Save Money for Trips | So Every Day: I have five kids living in my house. �Three of them are teenagers. �The food consumption alone in this house is outrageous. �Our house is over one hundred years old. �The heating and cooling bill take a gigantic chunk of the pie every month. �And pie – well, if we want that, we can’t even share just one any longer – we need two! �This month my car needed a new oil sensor – whatever that really means. �It’s gas guzzling capacity rivals that of my son’s cereal eating capacity. �Yesterday that car died in the parking lot of Wal-Mart. �It has since been revived but there are no guarantees it will keep running – it’s a rebel that way.

And. �I really like adventures. �I love trips. �Planning for them. �Driving across the country. �Visiting friends and family. �Trekking it north, west south and east. �I like exploring and seeing new places and scratching off new states on the map hanging on our wall.

Students learn the value of saving money

Students learn the value of saving money: "We were visiting with a lot of young people here at the elementary school. Talking about the ideas of money, and savings and kind of introducing them to the idea of what money is and using it responsibly. And learning to save money,” a Ben Franklin impersonator said.

Monday, April 23, 2018

Get paid to start saving money. : povertyfinance

Get paid to start saving money. : povertyfinance: SaverLife is a non profit organization that will pay you to open a bank account and save money. All you have to do is save $20 per month for 6 months. If you do this they will pay you $60.

Life of a Frugal Resident: Living like a Starving Artist in Hollywood - Dr. McFrugal

Life of a Frugal Resident: Living like a Starving Artist in Hollywood - Dr. McFrugal: Life of a Frugal Resident: Living like a Starving Artist in Hollywood
April 23, 2018 by drmcfrugal 6 Comments


The Hollywood hills, home to some of my favorite hiking trails
Every day, my wife and I express some gratitude for everything wonderful in our life. We live in a fairly nice house. All of my student loans are paid off. My wife’s law school loans will hopefully be forgiven in a few years through public service loan forgiveness (if it still exists). We recently welcomed a healthy baby girl to the world. And luckily I am fortunate to make enough money to support our current lifestyle while she takes an extended maternity leave.

Could you save money on your credit card bill just by asking?

Could you save money on your credit card bill just by asking?: Just picking up the phone may help you save a lot on your credit card bill.

"Really what it comes down to is what my dad likes to say which is that it never hurts to ask because the worst thing that can happen is they'll say no, but if they say yes, really good things can happen," said Matt Schulz, a senior industry analyst with CreditCards.com.

A new survey from CreditCards.com finds 85 percent of cardholders received a higher credit limit when they asked, 84 percent were able to get a late fee waiver, 70 percent were successful having their annual fee lowered or eliminated and 56 percent got lower interest rates.

"The reason why people are able to ask so successfully is that the credit card marketplace is incredibly competitive," Schulz said. "That competition and people's spending is making banks bend over backward to keep their customers and to attract new ones."

9 money-saving travel tips to keep in mind when you’re planning a vaca | Atlanta: News, Weather and Traffic

9 money-saving travel tips to keep in mind when you’re planning a vaca | Atlanta: News, Weather and Traffic: Seasoned bargain hunters know how to stretch a dollar and still enjoy the finer things in life. When it comes to travel season, we believe a key ingredient to a good time is not necessarily the amount of money you spend on your trip, but how much you save.

The Great Big “Save Money on Groceries” 12 Week Challenge

The Great Big “Save Money on Groceries” 12 Week Challenge: The Great Big “Save Money on Groceries” 12 Week Challenge
April 23, 2018 by PFGeeks Leave a Comment

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I’ve been putting this challenge off for months, but the time has come. I’m going to take 12 weeks to see exactly what it takes to lower our monthly food bill and save money on groceries.

Everyone knows that food is one of the biggest monthly expenses and it probably has the most variability from person to person. Some people find ways to get by on $100 a month while others easily spend over $1,000. �

4 Ways To Slash Your Shopping Budget Without Becoming Frugal

4 Ways To Slash Your Shopping Budget Without Becoming Frugal: Being frugal with your money is a good virtue to have because we all know how difficult it is to make money. The thing is, there are ways to shave your shopping budget even if you aren't technically the most thrifty person in the room. You still can have what you want if you can afford it, of course, but the important thing is to be more mindful of how you spend your hard earned money. Below are some ways that we at GET.com find really handy to help you cut your shopping budget without becoming frugal. The bottom line? You just need to be a smarter shopper.

Going green can save green | Local / region | aberdeennews.com

Going green can save green | Local / region | aberdeennews.com: While organic food is generally more expensive than conventionally grown food, and a new Tesla electric car will set you back tens of thousands of dollars, being Earth-conscience doesn’t have to cost a lot of money.

Sunday, April 22, 2018

Two Frugal Dudes Podcast |

Two Frugal Dudes Podcast |: Two Frugal Dudes. I suppose that makes me an honorary dudette! We covered a wide and fun range of topics. From meals you can make for a $1 a person (our frugal win), my frugal fails, and my lack of name brand clothing. Except of course for an awesome canvas tote that sports the Vanguard logo! (Which I got for free, thanks Vanguard!) Instead of a bag that says I spent money, my Vanguard tote suggests I invested money. =)

Frugal fashion: dress for less - Saving money every day - frugal living

Frugal fashion: dress for less - Saving money every day - frugal living: We all like to look smart and stylish when we need to. However, like many people, my income doesn’t allow lots of clothes shopping. I need smart clothes for work and I want some nice things for social occasions. So how to buy decent clothes on a budget? Is frugal fashion possible and can you really dress for less?

How to save money right now | OverSixty

How to save money right now | OverSixty: FINANCE
How to save money right now
�Monday, Apr 23 2018 �Over60

"Saving more money" is top of the list of many people's resolutions – but it very rarely works.

There are a number of reasons for this.

The first is that most people are very vague about what they want to save. "More" does not mean anything – and so no money is ever saved. Other people do a little better when they set a goal such as wanting to save $100 a month. But they often are unsuccessful, too.

Wonder why? It is because most of them draw up a budget, or have a vague idea in their heads of spending less, and decide they will save what is left over at the end of the month. This almost never works. Even with a good budget, if you have money in your bank account, it is so easy to spend it.

The key to saving money is to know at each payday how much you can afford to save�and to transfer that money to a savings account immediately. Do not touch it, do not sit on it for a while, do not think about treating yourself this month. Transfer it straight away, or better yet set up an automatic payment for the same day money comes into your account.

10 Ways To Make Money Driving - Frugal For Less

10 Ways To Make Money Driving - Frugal For Less: The idea of being your own boss is really appealing. The flexibility and freedom to work the job you want and when you want is ideal. It sounds too good to be true, but there are many real opportunities out there. Some of them revolve around driving in your own car all day long.

Between the freedom, fresh air, and good pay, I can see why people love to make money driving. And there are gigs out there for everyone. Even if you don’t have a nice car, you can still get a job driving.

Danielle Blair: Why not wasting food is important - Lewiston Sun Journal

Danielle Blair, an AmeriCorps volunteer, holds a container of food waste culled from the donations given to the Care and Share Food Closet in Farmington. (Andree Kehn/Sun Journal)


Danielle Blair: Why not wasting food is important - Lewiston Sun Journal: Danielle Blair is careful to only buy what she needs when she’s grocery shopping.�

Part of that practice is the result of “being a thrifty college student,” the 22-year-old and recent University of Maine at Farmington graduate said.

Frugal Flowers | lifewithlilred

Frugal Flowers | lifewithlilred: Hi everyone! One of the things that both my parents and myself love having around the house is fresh flowers. Whether they’re picked from our yard or selected at a farmer’s market or store, there is nothing like a huge bouquet sitting on the kitchen table to make you smile.

We never look to spend too much on satisfying our flower fascination, and my mom seriously took the cake with the last bouquet that she bought when it comes to saving money. She got four bunches of the flowers seen below for ONE DOLLAR at the store. You definitely can’t beat that!

Go Back to the Future: Learn to Save Money by Old-Fashioned Methods

Go Back to the Future: Learn to Save Money by Old-Fashioned Methods: Self-sufficiency and sustainability are buzzwords—not only used in the close-knit homesteading community, but by corporations who want to cash in on a trending value system to make a quick buck.

In order to cash in, however, they had to make some changes. Changing their products would take time and money, so they went about changing us. Through a bombardment of slick advertising they have convinced the American people of something that is patently false: in order to be self-sufficient and live a sustainable lifestyle, we need to buy something, and the more expensive the product is, the more sustainable it must be.

Our great-grandparents would not be pleased. Luckily, everything old is new again… self-sufficiency and sustainability included.

Savvy Shopper: Never pay full price again for anything

Savvy Shopper: Never pay full price again for anything: It isn’t that I won’t pay full price for items. I have on occasion, but if you have the option to save money, why wouldn’t you take it? I know it might sound crazy, but when you follow these steps below, depending on what you decide to purchase, you might be able to save money doing it.

Money Savings Tips That Help Save the Environment | Michael Dinich | Your Money Geek

Money Savings Tips That Help Save the Environment | Michael Dinich | Your Money Geek: Happy Earth Day! If you are anything like me, you’re passionate about saving our planet. There are plenty of scientist and individuals who spend their lives searching for unique ways to save our environment, and some might actually work. Even if you don’t have time to solve the world’s pollution or water crisis, you can still make a difference in your community. Every little bit counts.

Saturday, April 21, 2018

Budgeting 101: How to Start Budgeting for the First Time

Budgeting 101: How to Start Budgeting for the First Time: If you've read any personal finance advice, you know there's one simple rule that comes up time and again: You need a budget. A budget is a roadmap for where your money will go so you can make your hard-earned income work for you. Budgets assign your money a job and establish spending limits for specific expenditures so you can use your money responsibly.�

Creating a personalized budget is essential to developing the right spending habits, setting aside money for the long term, and ensuring the money in your bank account goes where it needs to. But how do you make a budget?

An Emergency Fund: Why You Need One and How to Make One

An Emergency Fund: Why You Need One and How to Make One: There are many�different building blocks you need to establish a foundation for financial security. One of the most important is an emergency fund. An emergency fund ensures you're prepared for unexpected expenses so you don't find yourself in debt -- or worse -- because of a lack of money when you need it.�

While most people have heard they need an emergency fund, the majority of Americans don't actually have one. If you're lacking an emergency fund, you've come to the right place. Read on to find out everything you need to know about creating an emergency fund to serve as a safety net and give you peace of mind.�

Five frugal things this week (20 April) - Much More With Less

Five frugal things this week (20 April) - Much More With Less: This week started with the return to school after the Easter holidays, and finished with glorious sunshine. In between tidying up the holiday chaos and getting out in the garden, here’s my round up of our five frugal things this week.

For Las Vegas Vegans, More Options Than Ever Before

For Las Vegas Vegans, More Options Than Ever Before: Las Vegas vegans: the words may sound similar, but that’s about where their connection ends. Or is it?

While nobody thinks of bean sprouts, beets, and broccoli when they think of Sin City, things are starting to shift in a town better known for gambling, a lot of adult beverages, and lavish spectacle and entertainment.

Single-again mom needs to sell some property to reverse current precarious financial position - The Globe and Mail

Single-again mom needs to sell some property to reverse current precarious financial position - The Globe and Mail: At 51, Meredith is single again with two young children, ages 6 and 9, money in her various accounts that has not yet been invested, a new home in Eastern Ontario and a rental condo in suburban Toronto – her former home - with a big mortgage.

Should emergency fund be used to pay off card debt? | The Seattle Times

Should emergency fund be used to pay off card debt? | The Seattle Times: There’s no hiding that money can be the root of many problems within relationships and marriages, so when the children of neighbors saw me walking the other day and the young husband hoped I would “settle an argument” they were having, my nerves started jangling.

5 Best Ways to be More Frugal this Summer - The Wallet Moth

5 Best Ways to be More Frugal this Summer - The Wallet Moth: The summer months are inevitably the months where we all end up spending more cash.

When you’re no longer cooped up indoors, suddenly the temptations are everywhere: pub lunches out, long days out in more expensive attractions, not to mention the call of a hot, sunny holiday!

If you’re trying to save more money though, summer can feel like a real hindrance to your efforts.

However, there’s no reason you can’t stay on budget�and enjoy the nice weather this year!

Below are 5 of my best ways to stay on track and be more frugal this summer.

10 Inexpensive Gift Ideas Anyone Can Buy - Frugal For Less

10 Inexpensive Gift Ideas Anyone Can Buy - Frugal For Less: But maybe you love the holidays and have a ton of friends, so you need to think about buying gifts fairly often. And that can get expensive, right?

What can you do to keep that expense to a minimum? Use the suggestions below. You’ll find inexpensive gift ideas for weddings, birthdays, housewarming parties, and just about any other celebration or event, starting with…

Friday, April 20, 2018

5 Proven Ways to Grow Your Savings Account Quickly - Frugal Rules

5 Proven Ways to Grow Your Savings Account Quickly - Frugal Rules: I believe everyone needs at least $1,000 in an emergency fund to cover unexpected expenses. This money can be used for surprise car or home repairs, emergency medical issues, or anything else not routine. These types of events seem to pop up regularly in my life, so I often have to replenish our savings quickly, because debt is not an option for us.

Emergencies should not be a reason to take on debt, so if you if you need to build up your savings account quickly or you want to start a savings account, here’s how to do it fast:

Thursday, April 19, 2018

Best Ways to Save for Retirement - Even When You're Living Paycheck to Paycheck - TheStreet

Best Ways to Save for Retirement - Even When You're Living Paycheck to Paycheck - TheStreet: With 69% of Americans currently holding less than $1,000 in retirement accounts, according to a study by GoBankingRates.com, the long-term financial health for U.S. households in retirement are in definite peril.

Yet even households that live paycheck to paycheck have a path to a decent retirement - if, that is, they deploy proper planning and financial discipline.

A Top Recession Indicator Makes a Lousy Sell Signal for Stocks - Bloomberg

A Top Recession Indicator Makes a Lousy Sell Signal for Stocks - Bloomberg: Federal Reserve officials and Wall Street are ramping up their warnings about an inversion of the Treasury curve. When long-term yields dip below shorter-term counterparts, it’s usually been a sign that a recession is nigh.

Equity investors, however, might want to be more worried about what happens when the gap between short- and long-term borrowing costs moves in the other direction.

Hidden bank fees: You may be paying more than you realize

Hidden bank fees: You may be paying more than you realize: You may not recognize it because they hit your account balance gradually, but bank fees can really pile up: The average American spent $329 on them in 2017, according to Chime Bank's Bank Fee Finder Summary Report.� Some of these fees are well-known costs of doing business, or the price we chose to pay for certain types of convenience. Others, however, are far less known, sneaking little bites from customers' wallets without them even noticing it.

Smart Moves: How to Save Money When Relocating - Blue Crab Real Estate

Smart Moves: How to Save Money When Relocating - Blue Crab Real Estate: Moving can be stressful, time consuming and expensive. However, with a little planning in advance, your move can be a little less damaging to your bank account.

6 Ways to Save Money on Prom

6 Ways to Save Money on Prom: You know, those group pictures of young men and women who clean up nicely and seem to genuinely enjoy getting dressed up for prom.

Just because they look great doesn’t mean that going to prom isn’t a pinch on their budget. Some experts estimate that the average high school student spends between $600 and $1,000 on prom. That includes clothing, tickets to the prom and limousine rental, among other prom-related expenses.

13 easy, legitimate ways to make extra money online fast - Business Insider

13 easy, legitimate ways to make extra money online fast - Business Insider: Finances are one of the biggest sources of stress for millions of Americans.

According to the Center for Financial Services Innovation, 57% of Americans are struggling financially, but between work, school, and other life obligations, it can be hard to find the time to supplement our existing incomes. Many of us are looking for smart but easy ways to relieve our financial burdens.�

Maybe you're looking to expedite the saving process for a big investment like college tuition, a home mortgage, or a wedding. It could also be nice to treat yourself to a concert, wardrobe upgrade, or fancy dinner without feeling guilty.

However you plan to save or spend it, we can all agree that extra money in your bank account is never a bad idea. Whether with physical goods or non-tangible skills, you likely have something to offer that you can in turn be compensated for.

5 Simple Ways to Save Money on Restaurant Food | Zingoy Blog

5 Simple Ways to Save Money on Restaurant Food | Zingoy Blog: No matter how delicious our home-cooked food maybe, we still keep craving for ‘something yummy’ now and then. So, we look for numerous excuses to dine out. However, while you indulge your taste buds, your wallet suffers, thanks to the sky-high restaurant rates.

How to Start Saving for a Down Payment for Your Home - TheStreet

How to Start Saving for a Down Payment for Your Home - TheStreet: For home buyers, scraping up the cash needed for a down payment gets a little tougher every time home prices increase, which is often these days.

Last year saw a 6.3% surge in the S&P CoreLogic Case-Shiller national home price index, the biggest jump in three years. The hottest markets along the coasts, like San Francisco, Boston, New York, Seattle and Los Angeles, have long since blown past their previous highs set a decade ago.

The 5 best 'no foreign transaction fee' credit cards that will save you money on international trips - Business Insider

The 5 best 'no foreign transaction fee' credit cards that will save you money on international trips - Business Insider: During college, I went on my first trip abroad without my parents. A friend and I spent 10 days visiting four different countries in Europe — and since some of them were outside of the Euro zone, that meant that we'd be using three different currencies. Because I didn't want to get stuck with too much of a particular currency, I decided to use my credit card whenever possible, and only use cash when I didn't have a choice.

7 Reasons to Be Frugal Even when You're Better off ... Money

7 Reasons to Be Frugal Even when You're Better off ... Money: If your income increases, it's tempting to change your lifestyle and start spending according to your new income. But if you're used to living frugally, it's worth sticking to your old spending habits and maintaining a frugal lifestyle once you're better off financially. Here are some reasons why …

4 ways to teach your teenagers how to save money | abc13.com

4 ways to teach your teenagers how to save money | abc13.com: Viewers have been reaching out to me in recent weeks about some of the best ways to teach teenagers to save money.

In honor of National Teach Your Child to Save Day, which is Friday, here are four things you can teach your child about saving.

Four ways to save money this summer - Chicago Parent

Four ways to save money this summer - Chicago Parent: With summer right around the corner, ComEd has some great energy-saving and money-saving ideas to help you prepare for the warm days and nights ahead.�

How to save money on prom: Dress, jewelry, hair, makeup, dinner

How to save money on prom: Dress, jewelry, hair, makeup, dinner: High school prom has turned into a red carpet event costing most families upwards of $600 for an evening of glamour, but experts say there are budget-friendly options for an equally beautiful night of fun.�

Sarah Tam, head of fashion at Rent the Runway, and Nick Stenson, vice president of Salon Services and Trend at Ulta Beauty,�shared�some of their tips for money-saving prom looks. Other industry experts also weighed in on how to save on the total prom experience.�

The College Student's Guide to Cheap TV | My Money | US News

The College Student's Guide to Cheap TV | My Money | US News: Being a college student can be pricey. Between tuition, books, basic living expenses and trying to keep up some semblance of a social life, monthly expenses can really add up, especially considering college is many young adults' first foray into financial independence. If you're a student, you may have realized you'll have to cut out some luxuries just to stay afloat. For many, cable TV is one such luxury, and cutting the cord can be painful. Without it, how will you watch "Game of Thrones" and football?

Retirement Facts You Need to Take Seriously | Reader's Digest

Retirement Facts You Need to Take Seriously | Reader's Digest: For example, will you take a $20,000 vacation to Europe every summer or just visit the kids for the holidays? Having a defined target for your nest egg is one of the most important aspects of your retirement plan. Create a budget of your current expenses and then make adjustments for what you expect to change during retirement. Your mortgage may be paid off, but you may have increased medical expenses or more leisure expenses. Check out these tips from 11 people who retired early.

7 Myths About Finances in Retirement | Baby Boomers | US News

7 Myths About Finances in Retirement | Baby Boomers | US News: In many ways, retirement is unknown territory. After spending several decades in the workforce, bringing in income and saving for the future, you now need to spend and manage that money.

Stepping into this new phase of life sparks change for your finances and lifestyle. “It is hard to grasp the concept of not having that paycheck to receive every other week,” says Dawn-Marie Joseph, president and founder of Estate Planning & Preservation in Williamston, Michigan.

Wednesday, April 18, 2018

Will small clients be claimed by chatbots? | Financial Planning

Will small clients be claimed by chatbots? | Financial Planning: RIAs have reason to be wary — powered by machine learning, chatbots have already evolved beyond primitive question-and-answer programs and are actively being developed to learn emotional comprehension. Some see chatbots, artifical intelligence and existing robo advisor tech combining into a low-priced, entirely automated option that commoditizes financial advice even further.

How to cut down on food waste and save money at the same time

How to cut down on food waste and save money at the same time: People in the UK annually waste around seven million tonnes of food and drink, much of which is safe to consume.

The amount of food thrown away, according to the Food Standards Agency figures, adds up to around �470 per household, per year.

10 Savvy Ways To Save Money In The Kitchen

10 Savvy Ways To Save Money In The Kitchen: In many homes, the kitchen is considered to be the heart of the home. Probably because (like it or not) we spend a lot of our time in the kitchen. Unfortunately, it’s also far too easy to spend a lot of money in the kitchen. Between the food we prepare, the products we use, and the appliances we keep in it, the kitchen is one of the most expensive rooms in the entire house. But it doesn’t have to be! Here are 10 ways to save money in the kitchen.

Trump hails CIA chief Mike Pompeo's secret trip to N Korea - BBC News

Trump hails CIA chief Mike Pompeo's secret trip to N Korea - BBC News: Confirming media reports of the secret meeting in Pyongyang, Mr Trump said it had gone "very smoothly".

Tuesday, April 17, 2018

Why It's Important to Teach Your Students Financial Literacy—and Three Ways to Do It | EdSurge News

Why It's Important to Teach Your Students Financial Literacy—and Three Ways to Do It | EdSurge News: Image Credit: Inspiring / Shutterstock
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In Oakland, CA, more than 60 students at James Madison Middle School gather to talk about money. The conversation is robust. One student shares his family’s experience saving for emergencies. Another group debates whether a new bike is a “want” or a “need.” Across the room, two young women are deep in conversation about college majors and future income.

10 smart ways to reinvest your tax return - Chicago Parent

10 smart ways to reinvest your tax return - Chicago Parent: Whether you are racing to the finish line or had your taxes were finished months ago, we’re almost to Tax Day! Last year, the IRS reported an average tax return $3,026. When spent wisely, your tax return could go a long way to improving your family’s financial situation. Here are ten smart ways you can reinvest your tax return.

How to Save Money at the Grocery Store | POPSUGAR Food

How to Save Money at the Grocery Store | POPSUGAR Food: If you're looking to eat healthy but you're concerned about the cost, don't fret: you can still eat well and not break your bank account. Sure, grocery bills can add up, especially if you're one to purchase organic foods and precut foods often, and specialty health food items can be very pricey. Yet there are a few amazing hacks to save money at the grocery store without jeopardizing your health. Here are a few tips from registered dietitians on how to still eat wholesome, nutritious foods without putting a dent in your wallet.

Monday, April 16, 2018

Ellen Rohr: Save Money on Kid's Parties - OZARKSFIRST

Ellen Rohr: Save Money on Kid's Parties - OZARKSFIRST: Tom Cruise, while married to Katie Holmes, reportedly spent $100,000 on a 7th birthday party for their daughter. Catering by Wolfgang Puck. $17K for fresh flowers. 1,000 live butterflies. Animals! Including giraffes and elephants. Hmmm. Come on!

Perhaps you could pull together something very nice and appropriate and far less expensive for your 7 year old? Here are some ideas!

� Make your own invitations - and email works!

� Don't invite the whole class

�You could even do something pricey…for your kid and one friend: concert, sports event, movie

� Pick a free venue…like the park, or your backyard.

The Frugal Pantry: Upcycled Cord Organizer

The Frugal Pantry: Upcycled Cord Organizer: Today I have� a simple and thrifty cord organizer for your small appliances. Cords to appliances hanging off of shelves can be dangerous if little ones pull on them, and just create a cluttered mess if they end up draped all over the shelf .

How to Sell Your Farm Fresh Eggs - The Self Sufficient HomeAcre

How to Sell Your Farm Fresh Eggs - The Self Sufficient HomeAcre: Selling fresh eggs from your laying hens is the quintessential homestead dream. All you need to do is put a ‘Farm Fresh Eggs For Sale’ sign out in the front yard and you’ll start raking in the big bucks, right? Anything is possible! But before you invest in extra chickens and a gross of cartons, let’s get all your ‘ducks’ in a row.

Investing Strategies to Grow Your Wealth During Graduate School | GradHacker

Investing Strategies to Grow Your Wealth During Graduate School | GradHacker: The most important investment you make during graduate school is in your career. But alongside that primary objective, many graduate students also invest money during their training.

By far the top challenge or impediment to investing during graduate school is the low pay, and only a fraction of graduate students are financially able and ready to invest. However, investing even a small amount of money on a regular basis throughout graduate school can have an enormous impact on lifetime wealth. The even better news is that the process of investing itself is simpler and easier than you probably think.

Sunday, April 15, 2018

Start now to plan a fun, affordable vacation | Albuquerque Journal

Start now to plan a fun, affordable vacation | Albuquerque Journal: When planning a vacation, do not limit yourself to thinking it must be elaborate and expensive. Summer getaways do not need to last two weeks or involve a visit to an expensive theme park. Keeping them simple often results in much less stress. I recommend planning a vacation for five to seven days.

20 Things You Can Do To Save Money Daily - Frugal For Less

20 Things You Can Do To Save Money Daily - Frugal For Less: The average American spends $140 per day, but that number includes things like housing, retirement savings, and health care. Once you subtract those, the breakdown looks like this:

$25 Transportation
$18 Food
$15 Other
$7 Entertainment
$4 Clothing
That’s $69 a day, $25,185 per year! And while we can’t really get that number to $0 every day, there are plenty of things you can do daily to save money.

Billionaire toy mogul behind Bratz dolls has longshot plan to save Toys ‘R’ Us | Business | Dallas News

Billionaire toy mogul behind Bratz dolls has longshot plan to save Toys ‘R’ Us | Business | Dallas News: Toys R�Us, the children's retailer in the midst of a worldwide shutdown, may�have one last, faint hope�if a billionaire toy mogul gets his way.

But Isaac Larian is going to have�to spend a lot of money —- most of it his — if he's to have any chance of success.

Tips on how to save money when you travel | TravelWireNews

Tips on how to save money when you travel | TravelWireNews: Forget expensive taxis, there are plenty of other ways to get from A to B — you just have to be savvy about it. There are a zillion apps out there, the best-known of which is Uber, and in bigger cities it can work out more economically to share your ride with someone going in roughly the same direction. Plus, if more people are sharing a car ride it’s better for the environment. Tesloop is a sustainably minded Tesla car service that operates in certain areas of California such as Los Angeles, Palm Springs and San Diego. The best things about Tesloop are the complimentary amenities including Wi-Fi, device chargers, healthy snacks and drinks, travel pillows and headphones supplied by the driver. Plus, there’s is an option to do some sightseeing en route. Sign us up!

45 Brilliant Ways To Save Money Right Now | Ninja Budgeter

45 Brilliant Ways To Save Money Right Now | Ninja Budgeter: There are always more ways to save money. I love writing posts like this because no matter how diligent I am in keeping our budget, there’s always more that I can do to cut expenses. Researching this content forces me to take a good look at new ways that I can cut from my own budget.

Saturday, April 14, 2018

How to Save More Money with the Zero Day Challenge - Zero Day Finance

How to Save More Money with the Zero Day Challenge - Zero Day Finance: If you’re like me, you probably have a liiiiittle trouble with spending too much money. And I totally get it. Our entire lifestyle is centered around consumerism. From fashion styles that change on a yearly basis to $1,000 phones being released what seems yearly, even swanky $25 ice cream scoops that use your body heat to melt ice cream. It’s tough to avoid the rampant spending associated with our modern, consumer-based society. And what happens when you spend money like this? Saving money is difficult, if almost impossible.

I always thought that I was pretty frugal. At the end of 2016, I decided to put my money where my mouth was, and actually track my spending. It was much worse than I could have ever thought. In 2016, I spent a total of $58,000. That’s $4,800 per month, or $159 per day. I think back to this time, and think about all of the money that I could have saved.

How to Save Money For a Child - How To Build Savings For Children

How to Save Money For a Child - How To Build Savings For Children: There are no two ways about it—kids are expensive.

If you're not already a parent, you might think, "They don't eat very much and they share my house, so how expensive could they be?" But according to a cost calculator from BabyCenter.com, my 11-year old daughter will cost me over $22,000 this year alone. That figure includes several factors, like housing, food, transportation, and health care, but it doesn't take into account savings for college and living expenses once she leaves the nest.

So what are the best ways for aspiring or current parents to sock away cash for their pricey progenies? I asked finance experts to share the best ways to save money for a child.

Many bare-rooted plants save money but maturity is a long time coming | Hoosier Gardener

Many bare-rooted plants save money but maturity is a long time coming | Hoosier Gardener: Bare-rooted plants are tempting, especially for beginning gardeners who are attracted by the low cost. Bare-rooted means just that. Small plants are in plastic bags, sometimes wrapped in moist paper, peat moss or other material, but no soil. The plastic bags are boxed, especially at garden centers and other retailers.

Raspberries, grapes, peonies, rhubarb, lily of the valley and asparagus are just some of the plants commonly sold bare-rooted in garden centers and online. Trees and shrubs are more commonly sold bare-rooted by online retailers. These plants include roses and shade and fruit-bearing trees.

Is haggling a hassle? Try a professional buyer - Memphis Business Journal

Is haggling a hassle? Try a professional buyer - Memphis Business Journal: A small fraternity of negotiators are making a living doing exactly what most car buyers dread. These negotiators claim that their services protect consumers from unscrupulous dealers, save time, and most of all save money on cars both new and used, whether bought or leased.

Friday, April 13, 2018

80 Frugal Living Tips and Ideas - Simple Life of a Frugal Wife

80 Frugal Living Tips and Ideas - Simple Life of a Frugal Wife: Are you looking for ideas on frugal living and how save money? Even though I have lived a frugal life for years, I am always looking for new ways to save a buck or two. I’ve compiled a list of 80 ways you can live a frugal life. Some of these ideas you may be already doing. Others you may find a little extreme for your taste. But even if you can take a couple of these ideas and adapt them to your life, you will find that every little bit helps.

Millennials report using extra income from tax cuts to save, invest - Business Insider

Millennials report using extra income from tax cuts to save, invest - Business Insider: What would you do if you suddenly had more money in your pocket?

If you're a millennial, the answer may likely be "save it."

The tax bill signed by President Trump back in December resulted in a bump in take-home pay for about 90% of Americans beginning in February, according to the IRS.

5 Tips For Cutting Business Costs

5 Tips For Cutting Business Costs: The cost of running a business is increasing by the day. It’s becoming much harder for small businesses to stay afloat because revenue just isn’t covering costs. To survive in business, you need to be money savvy. There are plenty of ways that businesses can save money by cutting costs and therefore increasing profit. Take a look at these five tips.

Guilt for being a Food Bank Snob : Frugal

Guilt for being a Food Bank Snob : Frugal: Frugal all my life. No debt, not even mortgage or cars. Was ready to retire. BOOM! Got full custody of 4 and 5 year old grandkids because of parental addiction. I'm a nurse. I'm not rich. BUT... I know the current research on food and nutrition (which does NOT match governmental guidelines). I have no income as quit work the day I got the traumatized/neglected/HUNGRY kids and am scraping by until I reach 66 to get full SS.

I'm using the food bank. Good news: no one else seems to want the wild game (I'm in Montana. So there is always wild game), but I eat organic and pasture raised food. I can also tell which produce comes from the local farmers. It's not uniform and it's generally not the mass- produced stain of fruit or veggies. I pass on all low- fat items. It's not healthy by current standards and my kiddos are still gaining weight from being underfed. I can usually find donated local eggs. Again, they aren't packaged pretty, so most pass them by. Anyway, you get the idea.

Stock Market Today: April 13, 2018

Stock Market Today: April 13, 2018: After The Close - After an auspicious open to the session, the major market indexes each ended the week with a swift selloff in the final hour of trading. As the end of the day neared, the averages lifted off their late-day lows, but remained below their breakeven lines. The downtick followed Thursday’s running of the bulls, which saw the Dow Jones Industrial Average gain nearly 300 points. Easing geopolitical tensions and optimism for Corporate America’s just-started quarterly earnings season were the primary drivers to yesterday’s rally, which investors collected profits off of today. Overall, though today’s action cut into what could have been the best five-day span in several weeks (the Dow lost over 100 points by the closing bell), it was ultimately still a solid week for the averages.

Why Your Credit Card Bill Is About to Get More Expensive� | US News

Why Your Credit Card Bill Is About to Get More Expensive� | US News: In March, the Federal Reserve announced it would officially increase the fed funds rate from 1.5 percent to 1.75 percent. Credit card holders are going to want to pay close attention to this, because this rate hike can make it more expensive to leave a balance sitting on your credit card accounts. Here's what you need to know.

Fine Art of Obtaining a Zero Interest Credit Card - TheStreet

Fine Art of Obtaining a Zero Interest Credit Card - TheStreet: If your credit is decent, and you know where to look, a zero-interest credit card offers financial consumers some definitive advantages.

The fact is, a zero-interest credit card is worth pursuing, just based on the numbers alone.

In 2017, the current average credit card interest rate was 12.77%, according to a recent study by Credit Donkey. That rate level hasn't changed much since 2011 (at 12.74%), when Credit Donkey started tracking average credit card interest rates.

This is what you need to cut from your budget to REALLY save money | SHEmazing!

This is what you need to cut from your budget to REALLY save money | SHEmazing!: Share On Twitter Share By Email
So, we have barely reached mid-month, and let's call a spade a spade, most of us are already broke AF.�

Every month, we swear that we will be better, but we fall into the same traps.�

But a few significant changes come a long when it comes to your budget.

We have identified some�key areas where a bit of an effort can really make a difference long term, without completely making you feel miserable.

Money Saving Tips ShopRite Employees Won't Tell You | Reader's Digest

Money Saving Tips ShopRite Employees Won't Tell You | Reader's Digest: Once you're a member of the Club, always check in at the ShopRite Digital Coupon Center before hitting the store so you don't miss out on deals, advises Nate Masterson, Marketing Manager for Maple Holistics. And for your convenience, the coupons can be digitally stored on your Club card, adds Julie Harrington, RD, Culinary Nutrition Consultant at RDelicious Kitchen.�Don't miss these other�frugal shopping tips to spend less money on groceries.�

My Abundant Life: This Week's Frugal Tasks Will Return

My Abundant Life: This Week's Frugal Tasks Will Return: Due to an extremely busy week with work and engagement party preparations ( today is the day ),� I'm unable to post my frugal tasks.� To be honest,� I haven't had time to do much frugally except cook from scratch and find a few things at the op shop.

Spring Chores Around the Garden - The Texas Pioneer Woman Blog - GRIT Magazine

Spring Chores Around the Garden - The Texas Pioneer Woman Blog - GRIT Magazine: No one had to tell me that spring had sprung. It seemed like it happened overnight. One bright sunny morning I woke to birds chirping, clear skies and a yard full of blooms. Lighting the way from my front door to halfway down the driveway were azaleas with sparkling colorful blooms. It made my house seemed gorgeous. Out the back door, I could also see cascading roses accentuating the outside of my greenhouse and along my garden posts.



Most affordable European vacations this summer - INSIDER

Most affordable European vacations this summer - INSIDER: Summer Fridays will come in handy for your next trip.

Not only will you be paid to not come into work, but you can also schedule a flight to a European country on the cheap.

With the help of Kayak, a fare aggregator and travel metasearch engine, INSIDER has compiled a list of the 11 most affordable European vacations to take this summer, along with the best airports to fly out of.

Self-made millionaire: How to save more without sacrificing lifestyle

Self-made millionaire: How to save more without sacrificing lifestyle: If you're working hard but are in disbelief about the state of your bank account, you're not alone. A recent national survey revealed that 44 percent of Americans could not afford a $400 emergency expense without borrowing or selling off assets. Americans also currently average a savings rate of significantly less than 5 percent.

Secrets to Lowering Your Medical Bills | Reader's Digest

Secrets to Lowering Your Medical Bills | Reader's Digest: It's not surprising that 64 percent of Americans want to lower their healthcare bills, as a recent survey found, but, it is that avoiding the doctor when sick or in need of medication to keep costs down is a tactic used by 56 percent of people without medical insurance and 27 percent of Millennials. If a patient is not getting their prescription filled because of expense, they need to have a conversation with their doctor, says Raffi Terzian, MD, senior medical director at Health Advocate. Avoiding the doctor can lead to serious gaps in preventative care and result in costlier medical expenses down the road.

How I Paid Off My First Law School Loan By Using Coupons | Above the Law

How I Paid Off My First Law School Loan By Using Coupons | Above the Law: Here at Above the Law, I write frequently about the extreme debt loads that students are saddled with upon graduation. In many cases, law school graduates have up to six figures of debt hanging around their necks like the albatross in that Samuel Taylor Coleridge poem. That’s what happened to me, despite the fact that I had a few scholarships.

Taxes 101 For Last Minute Filers: How To Save Time, Money And Your Sanity

Taxes 101 For Last Minute Filers: How To Save Time, Money And Your Sanity: If you're still scrambling to file, here's what you need to know as Tax Day approaches.

Remote worker frugal blogger = Vermont dream life

Remote worker frugal blogger = Vermont dream life: Lots of people dream of giving it all up and moving to Vermont, “it” being the hassle and bustle of big city life and expenses. Elizabeth and Nate Thames, aka “Mr. and Mrs. Frugalwoods,” did just that, leaving behind their Cambridge, Massachusetts lifestyle and moving to an idyllic country home in Vershire, Vermont.

The couple’s story has a unique twist–Elizabeth is a homesteader who blogs about the frugal lifestyle they live in Vermont. Her blog (and new book) focuses on keeping monthly expenses in check, buying used, and lots of DIY projects. Meanwhile Nate is a remote worker. Employed by ActBlue, an online fundraising platform, Nate and his family are able to live the lifestyle they want in Vermont, while he earns a living working for a company based in Somerville, MA.

Self-driving AI wheelchair to aiding people with disabilities - Tech Explorist

Self-driving AI wheelchair to aiding people with disabilities - Tech Explorist: The research team at Imperial College London has won $50k. The�prize was announced�as�part of Mobility Unlimited Challenge Discovery Award, which is funded by Toyota Mobility Foundation and run by Nesta‘s Challenge Prize Centre.

This research prize will help to develop a self-driving, self-navigating wheelchair for paralyzed people who can lead with their gaze. They also hope to make this wheelchair to make it available to people at low cost.

McCamley says half of savings in campaign | Albuquerque Journal

McCamley says half of savings in campaign | Albuquerque Journal: State Rep. Bill McCamley says he has put half his life savings into his campaign for auditor.
Campaign records show that McCamley, a Democrat from Las Cruces, has loaned his campaign about $45,000 – no small amount given that McCamley lives in a studio apartment, with no significant source of income outside his legislative per diem.

The loan triggered some online criticism from opponents who juxtaposed it with the lack of income shown on McCamley’s financial disclosure statements.

Before you splurge with your tax refund, run this financial check up

Before you splurge with your tax refund, run this financial check up: While it may be tempting to splurge on a new spring wardrobe with your refund, tax season, even when you have a tax refund in hand, is actually the best time of year to do a financial check up first. Especially if you only take a good look at your money situation once a year, do it now.

Thursday, April 12, 2018

How to make Yogurt -Tutorial - Simple Life of a Frugal Wife

How to make Yogurt -Tutorial - Simple Life of a Frugal Wife: That kind of put my yogurt making on hold for awhile. Until, one day I discovered there were many ways to make yogurt that didn’t require a fancy maker. All I needed was some jars, and a warm place to let it sit for half a day.

So, I rummaged through my cupboards and found jars. With no matching lids.

There’s a reason there is no “how to be organized” section on this blog.

khou.com | 8 inspirational stories of people who overcame debt

khou.com | 8 inspirational stories of people who overcame debt: That escalating figure on your student loan bill or credit card statement makes you cringe every month. You pay when you can, but it feels like you'll never pay it off. Don't despair - with dedication, patience and some lean living, you can whittle down the bills. The evidence: Eight former debtors share their stories of triumph over debt.

You Really Do Save Money On Rent By Living Together — Here's How Much

You Really Do Save Money On Rent By Living Together — Here's How Much: You've likely heard about couples saving money by living together, but just how much cash are they really saving? Sure, splitting the rent is nice, but you can do that with any roommate. When it comes down to it, the biggest perk of co-habitating with your romantic partner is probably the amount you end up saving on groceries, toiletries, and other necessities. Plus there's the obvious upside of living with someone you love. That way when their habits start to annoy you, you can kiss and make up — a problem-solving tactic you probably wouldn't want to try with that random roommate you found on Craigslist.

How to Navigate the Complicated World of Credit Card Points - The New York Times

How to Navigate the Complicated World of Credit Card Points - The New York Times

Frugal Kitchen Redo with Painted Epoxy over Formica – TheFrugalDribble

Frugal Kitchen Redo with Painted Epoxy over Formica – TheFrugalDribble: First, a few things…..

I feel the need to point out that there is a nearly empty paper towel roll in the picture below. I do provide paper towels for my guests and this was a Christmas photo. We stopped regularly using paper towels quite some time ago. However, my extended family has not…and the simple green bottle by the sink has laundry stain remover in it, just in case you are curious like me.

Kroger's new 'Scan, Bag, Go' technology is designed to help shop - WDRB 41 Louisville News

Kroger's new 'Scan, Bag, Go' technology is designed to help shop - WDRB 41 Louisville News: Kroger on South Second Street near the University of Louisville is one of the first Kroger stores in the country to unveil the new “Scan, Bag, Go” mobile app and shopping device.

Debby Miller, one of the first customers to use the device said it will save her time in the line.

“It was pretty quick:�just scan it, and press the button,” Miller said.�

Shoppers take a scanning device from the Kiosk near the entrance. It works just the same using the ScanBagGo mobile app on a smart phone. Users enter a Kroger card number or a phone number and begin to shop. It tracks coupons, including the WIC program, keeps a running price tab�and can price check items.

How Much Should You Save For A Comfortable Retirement?

How Much Should You Save For A Comfortable Retirement?: Depending on your stage of life, chances are you have already begun saving for retirement. Employer-sponsored retirement programs encourage employees to prepare for the future in many ways, but primarily by making the process automatic and eliminating the burden of deciding when and how to save. While habitual contributions are no doubt beneficial when saving for retirement, without proper planning, few of us know how much we should be saving to retire comfortably.

How to figure out how much money you need to retire

How to figure out how much money you need to retire: Although $1 million is the oft-cited amount needed to retire comfortably, data shows it might not be enough. According to a new report from personal finance site GOBankingRates, depending on where you live, retirees could blow through $1 million in as little as 12 years.

And GBR notes that since the average person retires at age 63 and has a life expectancy of about 85, "Americans should plan to spend 22 years in retirement."

Wednesday, April 11, 2018

Frugal gifts for graduates

Frugal gifts for graduates: For many young adults graduating high school, they are about to embark on an exciting new journey. Chances are they have never lived away from home before, and many are headed off to either college. Some may be starting a job and preparing to live completely on their own. Either way, their graduation is a huge milestone deserving of a celebration

Curbing instant gratification: 4 ways to temper online shopping enthusiasm

Curbing instant gratification: 4 ways to temper online shopping enthusiasm: Browse. Click. Buy. Repeat. Shopping online has never been easier.

Nearly every need or want can be fulfilled and at your door in 48 hours or less, thanks to sites like Amazon, Walmart and Google Express.

That near-instant gratification can be problematic, though. Boxes and bills can pile up quickly, making a mess of your home and your finances. Even if your urge to Amazon isn’t yet a financial drain, it may well be a time suck.

Tidying up your online shopping habits can make you more productive, if not more fiscally responsible. Try these tricks to hamper your internet purchasing impulse.

Half of Americans Are Making a Huge Credit Mistake. Are You? | Student Loan Hero

Half of Americans Are Making a Huge Credit Mistake. Are You? | Student Loan Hero: Do you know what’s on your credit report?

Three credit reporting bureaus — Equifax, Experian, and TransUnion — are storing detailed information about your spending and borrowing history right now. This information is used by all kinds of companies to make decisions about how much to charge you for everything from personal loans to car insurance.

If you aren’t keeping tabs on your credit report, you have no way of knowing what’s on it. But far too many people aren’t giving their credit report the attention it deserves.

It's time to ditch these 5 excuses and start saving now

It's time to ditch these 5 excuses and start saving now: Having to constantly hand over cash for endless necessities is just part of being an adult. Mortgage or rent, food, roof repairs, surgery for your dog (these are some of my own recent budget line items) … The list goes on and on. With all that going on, it can become easy to make excuses as to why you're not saving.

Save on fuel purchases with GasBuddy and other gas-saving programs

Save on fuel purchases with GasBuddy and other gas-saving programs: For diehard drivers obsessed with finding the�lowest gasoline prices, new smartphone apps, branded credit cards and wholesale clubs are making it possible to stealthily beat the prices posted at the pump.

In an environment where prices can fluctuate by the day, location or a whim, the branded cards and membership clubs offer discounts to maintain loyalty while the apps allow drivers to earn cash back on gas pumped at a larger number of stations.

Taking Your Kids on Their First Fishing Trip - Adventures of Frugal Mom

Taking Your Kids on Their First Fishing Trip - Adventures of Frugal Mom: Outdoor activities are always a great way to spend time with your family. They not only give you a chance to bond with your children, they give you the chance to get your kids outside, where they can soak up some fresh air and sunshine. Fishing is a great example of an outdoor activity that most kids will love, and most children love learning the basics.

Life is a highway for the Ovadia family of Cherry Hill | www.jewishvoicesnj.org | Jewish Community Voice of Southern New Jersey

Life is a highway for the Ovadia family of Cherry Hill | www.jewishvoicesnj.org | Jewish Community Voice of Southern New Jersey: FAVORITE PLACES: Las Vegas for Ben; Alaska for Rosa; Salem Witch Museum for Daniel; and glaciers in Alaska for Ella.

The Ovadias, like many South Jersey families, are always on the go— balancing fulltime jobs with their two elementary-school aged kids’ myriad afterschool activities, synagogue and sleep. In October, since baby Gabriel was born, there is even more lovable madness in the mix.

So whenever they can string together a few free days, the Cherry Hill residents pack up their Honda Civic and take off to—as Simon and Garfunkel would put it—“look for America.”

In the name of family bonding, these road warriors logged more than 40,000 miles over 72 carefully planned days of driving through 49 states and one Canadian province in less than three years’ time. Spending on average 10 of each 24 hours in the car, they typically will budget $300 a day for these frugal adventures—and still have managed to experience key landmarks, including the magnificent Ice Hotel in Quebec, lunch in Seattle’s revolving Space Needle, a day in California’s Disneyland and a dip in hot springs during 26 whirlwind hours in Juneau, Alaska.

Alamosa News | Money tip for students

Alamosa News | Money tip for students: Make college more affordable by saving on intangible costs. When it comes to comparing the costs of various colleges, remember that on the broadest level, costs can be tangible or intangible. To save money, follow these tips from KHEAA.

Tangible costs include tuition and fees and room and board.

Intangible costs include everything else: textbooks and supplies; computers; and personal items, such as shampoo, clothes, entertainment, laundry, and other expenses.

CVS pharmacists will have new tools to help patients save money on drugs - The Washington Post

CVS pharmacists will have new tools to help patients save money on drugs - The Washington Post: CVS Health is rolling out a new tool to alert its 30,000 pharmacists to cheaper drug options when they fill patients' prescriptions.

For years, pharmacists have substituted generic drugs for identical brand-name versions. But CVS Pharmacy's Rx Savings Finder program will enable pharmacists and consumers to question doctors' prescription choices to save patients money.

Video: Expert reveals how to save money on your next holiday abroad | Daily Mail Online

Video: Expert reveals how to save money on your next holiday abroad | Daily Mail Online: Expert reveals some of his tips on how to save money on your next flights and accommodation abroad.

The Hidden Costs of All-Inclusive Resorts | Frugal Travel Guy

The Hidden Costs of All-Inclusive Resorts | Frugal Travel Guy: All-inclusive resorts offer the ideal way to budget for a trip. By prepaying your lodging, food, drinks, and entertainment in a nightly all-inclusive rate, you can avoid many of the surprise expenses that come with other types of travel.

Tuesday, April 10, 2018

Bank of Blue Valley - Post

Bank of Blue Valley - Post: Have you ever thought about making your household more environmentally friendly, but felt it would just be too expensive? Many homeowners are under this impression, even though they have a desire to reduce their carbon footprint. However, you don’t need to buy all new energy efficient appliances. In fact, going green and saving money can even go hand in hand. By merely adopting a few of these suggestions, you can decrease excess and expenses.

Cheap Recipes You Can Make Out of Leftover Produce | Frugal Navy Wife

Cheap Recipes You Can Make Out of Leftover Produce | Frugal Navy Wife: I always have so much leftover produce at the end of the week. Mostly because we do not have a lot of places to store it at the end of the week. I am always challenged to create meals out of our leftover produce. I love keeping a running list of cheap recipes that can be made.

Five Frugal Things

Five Frugal Things: My husband needs to take daily walks as part of his physical therapy, so I grabbed a free coffee coupon that’s been on the fridge for at least three months. The two of us walked the ten blocks to the cafe and ordered a latte to share. (Okay, okay, I drank most of it, but only because my husband had just finished a cup of coffee at home. Are you happy now?) I did throw a buck into the tip jar, but it was still an impressively cheap date. I brought my thrifted ceramic travel mug from home, as I hate to create unnecessary garbage.

My Co-Worker fulfilled a 15 Year Plan and Semi-Retired. A lesson on Motivation, Luck & Frugal Saving | TheFinance.sg

My Co-Worker fulfilled a 15 Year Plan and Semi-Retired. A lesson on Motivation, Luck & Frugal Saving | TheFinance.sg: A person leaving our office is not something new. Working in a place where most of us are deployed from different companies to work in different projects for the same organization, we see turnover a fair bit.

Some of the projects were short. Some found better employment opportunities. Some don’t like to be attached out and be away from the main office because this reduces their visibility, and hence career progression. Some work in scope that they do not like. Some do not like being in a contract role.

Monday, April 9, 2018

5 Surprisingly Simple Ways to Get Paid for Driving Your Car - Frugal Rules

5 Surprisingly Simple Ways to Get Paid for Driving Your Car - Frugal Rules: Do you enjoy meeting new people and have a newer car? You can make money driving for Lyft or Uber. You can even drive for both and increase your earning potential.

Either ridesharing service is a great alternative to a traditional taxi. Taxis tend to be higher in cost and don’t typically offer the more personalized service that Lyft or Uber drivers do.

Spring Clean! An easy change that helped us cut waste and save money. — Mindfully Spent.

Spring Clean! An easy change that helped us cut waste and save money. — Mindfully Spent.: Last fall, inspired by a friend and an acquaintance who both made their own home products with essential oils, I decided it was time for a change in our home too. Although I was initially intimidated, I came to find that switching to homemade cleaners was a lot like eliminating paper towels— much easier and less expensive that I imagined.�

�I chose to make a small investment in some beautiful bottles that would make my homemade cleaners feel special as well as keeping the essential oils fresh from blocking unnecessary sunlight. I do not regret this purchase.

Sunday, April 8, 2018

Budget system Kakeibo can help save money and track spending - Business Insider

Budget system Kakeibo can help save money and track spending - Business Insider: Kakeibo is the Japanese word for a budgeting journal. (You pronounce the word "kah-keh-boh.")

The idea is to keep track of how much you're earning and how much you're spending; the ultimate goal is to save more.

If that sounds ridiculously simple, it is! No apps, no digital technology, no fancy mathematical calculations. But that's the point — by eliminating all the bells and whistles and getting up close and personal with your daily money habits, you'll be better positioned to make solid financial decisions.

46 Inexpensive Things To Do When Bored - Frugal For Less

46 Inexpensive Things To Do When Bored - Frugal For Less: What do you do when you’re bored? The chances are that whatever your answer, it costs money. But relieving boredom doesn’t have to mean relieving your wallet of money. We share our frugal boredom fixes.

Saturday, April 7, 2018

Tyra Banks is so frugal, she was once told to 'spend some damn money' - INSIDER

Tyra Banks is so frugal, she was once told to 'spend some damn money' - INSIDER: Businesswoman, supermodel, author, and creator of "America's Next Top Model," Tyra Banks, is worth an estimated $90 million.

But despite the fortune she has amassed through her modeling, TV work and business pursuits, Banks has always been more of a saver than a spender, she revealed in an interview with MONEY.

"I was always more interested in experiences over things," she told the magazine. "Things didn't make me happy. I saved, saved, saved. But I saved to a fault. About 15 years ago, my accountants pulled me aside, and they were like 'Tyra. You're not spending money. Nothing. You're just giving it away to the government. You need to spend some damn money!'"

High Vibes, Low Maintenance – Frugal Backpacker

High Vibes, Low Maintenance – Frugal Backpacker: There are times in life to stress out over getting dressed like an important day at work or a first date. If you like to get outdoors, a few staples will get the job done and let you still express your personality. We’ll run through some cool technology such as sun protection clothing and five way stretch while also discussing three-season pieces and styles that you can wear both on the trail and on the town.

Friday, April 6, 2018

How to save for retirement without a 401(k) | HartfordBusiness.com

How to save for retirement without a 401(k) | HartfordBusiness.com: When it comes to retirement saving, a 401(k) is often considered the gold standard.

A 401(k) certainly makes saving easier. The money is taken directly from your paycheck, before you get a chance to spend it elsewhere. Making contributions lowers your taxes, and some employers even match the amount you save.

But a third of private sector employees don't have access to a workplace retirement plan. Plus, about 15 million Americans are self-employed.

The good news is that there are other accounts you can open yourself that offer similar benefits. For some self-employed people, the benefits can be even better than a traditional 401(k) plan's.

"Most self-employed people totally forget to set these up and don't fund them. So they end up paying too much in tax and not having enough saved for retirement," said Mari Adam, a certified financial planner and president of Adam Financial Associates.

Thursday, April 5, 2018

Get sentimental about saving - Chicago Tribune

Get sentimental about saving - Chicago Tribune: eirlooms can raise more than feelings of nostalgia. They also can boost your savings rate.

That’s the finding of a recent study by Brad Klontz, a psychologist, certified financial planner and associate professor at Creighton University. The objective of the study was to find out whether tapping into emotional connections to nostalgic items could inspire people to save more.

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Here’s how it worked: In five cities — Atlanta, Austin, Boston, Dallas and Seattle — study leaders invited people to a seminar on savings. When participants arrived, they were sent to one of two rooms. The first group heard a standard presentation on financial literacy, which touched on the importance of saving, the power of compound interest and various saving strategies.

Wednesday, April 4, 2018

Frugal Workshop: Sad News about Big Kitty

Frugal Workshop: Sad News about Big Kitty: Our big and beautiful Big Kitty passed over the Rainbow Bridge last night, April 3, 2018.�

We've had him since my daughter was in 2nd Grade, so she grew up with him and we have such great memories of him.�

Cutting the cord on cable and using streaming services could save you money - abcactionnews.com WFTS-TV

Cutting the cord on cable and using streaming services could save you money - abcactionnews.com WFTS-TV: From YouTube to Playstation Vue, consumers have more options than ever when it comes to streaming TV.

Jason Penny and his family cut the cord when their cable bundle approached $200 a month. The family lashed their bill by $85 when they switched to YouTube TV.

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Penny says the YouTube app provides most of their favorite network and cable channels. To get what's on the YouTube app from their smart phone to their big screen, the Penny's plugged in an Apple TV box into one TV and a Chromecast device into the other.

Tuesday, April 3, 2018

How Much Should You Spend on Rent? | Reader's Digest

How Much Should You Spend on Rent? | Reader's Digest: Rents are going up—just like death and taxes, that’s pretty much a certainty. So how much can you comfortably afford? Most experts suggest spending no higher than 30 percent of your monthly income on rent, 25 percent is even better.

Frugal Things Every Day: One Hundred Frugal Things We Do

Frugal Things Every Day: One Hundred Frugal Things We Do: We had company for the Easter weekend which kept us very busy. We had an Easter Egg Hunt for my grandson. We had to do it indoors because it was very cold and the lawn is pretty muddy this time of year. He enjoyed every minute of the searching. We enjoyed watching him.

Creating a Frugal Self-Care Routine | Tiny Ambitions

Creating a Frugal Self-Care Routine | Tiny Ambitions: social media, you’ll have heard talk about self-care. It’s a trendy topic. The problem? Recreating an Instagram worthy self-care moment completely misses the point. The extra full bathtub with luxury bubbles and a perfectly placed glass of vino might look pretty, but your bathwater is going to be lukewarm by the time you get a good shot. (Have you seen this article about the Instagram ‘influencer’ who racked up

Top 10 Unused and Unwanted Household Items Worth Money

Top 10 Unused and Unwanted Household Items Worth Money: Brits are collectively overlooking a staggering �70.4 billion worth of valuable items locked up in their homes.

A new study by Gumtree is encouraging Brits to make money by selling and finding a new home for items they no longer use, as research reveals there are �2,589 worth of items no longer needed per household.

Monday, April 2, 2018

Frugal Accomplishments For the End of March - The Prudent Homemaker Blog

Frugal Accomplishments For the End of March - The Prudent Homemaker Blog: I harvested snow peas,�Meyer lemons, and green onions from the garden.

I made a triple batch of laundry soap.

I collected shower warm-up water and used it to water�potted plants on my patio.

My neighbor brought over three boxes of chili mixes that had expired that she no longer wanted. I put all three kinds together to make enough for us for one meal, and rather than adding the 6 cups of chicken they called for combined, I added 4 cups of leftover black beans that I had in the fridge and 2 extra cups of canned diced tomatoes (in addition to the 4 required cups of diced tomatoes I needed to add).� I sent her home with some lemons from my trees.

I studied French using free online sources.