Toward the end of December, or the beginning of January, many people make household budget adjustments. They often vow to lower their spending and save money throughout the coming year. However, to do that effectively, you should scrutinize last year’s spending and reign in anything that got out of control. One area I always look […]
Many people spend more money during November and December than they do other months of the year. That can really wreak havoc on their finances. The silly thing is, we all know those higher spend months are coming. After all, Thanksgiving and Christmas occur at the same time each year. Still, it’s not always easy […]
It’s almost that time of year again for many Americans: time to start a new diet. While I’m not necessarily joining them, I do plan to go back to a healthier eating style. At the same time, I am going back to my personal trainer and getting back into shape. The last few years I’ve […]
I always find that as the new year approaches, it’s a time for reflection. Apparently, Facebook agrees, because as the year closes, they post a summary that reflects some of the year’s highlights. Of course, once January rolls around, it’s also a time for new beginnings. New exercise programs, diets, and other goals are often […]
I’ve pretty much gotten all of my Christmas gifting wrapped up. Ok, so not all of the presents are actually wrapped and under the tree. But I have at least purchased, or made, most of the things I’ll be giving as gifts this year. Now that my kids are adults, they get fewer gifts from […]
I used to work for a business that gave out end of year bonuses every year. Granted, some years it was a lawn chair, umbrella, or a blanket displaying the company name. But some years the bonus every employee received was monetary. Whenever the bonus was money I usually hung onto it until I figured […]
There are a lot of things I love about the holiday season. One example is seeing the pretty lights and decorations everyone puts up in their homes and businesses. I also enjoy special holiday food dishes, Christmas music, and the parties where friends and loved ones gather. What I don’t love is trying to find […]
It’s easy to say you’ll save money for the holidays each year, but harder to put into practice. I, for one, always think I’ll start early – like in January. Then, by the time it rolls around the next year, I’ll be ready and less stressed both financially and otherwise. But it never seems to […]
With Thanksgiving just a little over a week away, and Christmas around the corner, I’ve been preparing ahead. Truth be told, since Thanksgiving doesn’t involve gifts, I’ve been focusing more on Christmas.
Having a tight budget makes it difficult to pay for any extras that come up. Of course, those extras can come in many forms.
Many people need extra money in their budgets from time to time. I did a couple of years ago, and that led me to freelance writing and virtual assistant work to pay down debt. Eventually it grew enough to let me quit my full time job and work from home.
Although I hate to admit it, my husband and I haven’t always been the best money managers in the past. Having tight finances left us stressed and tired from sleepless nights of worrying. Luckily our finances have gotten better in the past few years. Still, we aren’t the only people who’ve experienced money troubles. Lots […]
Long gone are the days when retailers weren’t allowed to put out any Christmas merchandise until Thanksgiving was over. I made a trip to Walmart a few days ago and noticed that they are, in fact, already well stocked with Holiday decorations.
Plenty of people have budget shortfalls from time to time, especially right before, or during, the holidays. Figuring out how to handle it can be different, depending on each person’s situation.
I remember when I first went away from home to college all the way across the state. I was married, so my “roommate” was actually my husband. We shared everything, including the money in our joint checking and savings accounts.
When my husband and I first got married we wanted what many other couples dream of – to own our own home. But we were still in college at the time, and money was tight.
Whenever you’re trying to rid yourself of debt, and stick to a strict budget, denying yourself can get old. In fact, if you don’t treat yourself once in a while you’re probably going to blow it big time. The problem with blowing it is that you could sabotage everything you’ve been working so hard for. […]
When I attended college, I ended up with a very small student loan when I graduated. Thinking back I believe it was just under $3K.
The closer it gets to the holidays, the less time you have to save for additional expenses. At the same time, saving money for holiday extra’s isn’t always easy. This double whammy can easily take a huge toll on your budget in the few months leading to Christmas.
A couple of weeks ago, I went to visit my daughter who moved recently. While there, I helped her put away some stuff from the move as well as do some cleaning and painting.