When you are married you most likely talked about social security and death benefits. When you have a spouse pass away, you have the opportunity, depending on how long you have been married, to take their benefits until your retirement age. Let’s look at some points to consider before you make the decision to take […]
Summer of 2022 is winding down in some areas, but many might be hoping to squeeze in a vacation and hoping to keep gas and flights in budget. We have seen huge increases in inflation this year, the highest we have seen in 40 years. With this inflation, we have also seen the price for […]
As yet another year is getting ready to end, wise business people look toward the future year. They plan and dream. They set goals and outline how they plan to reach those goals. Here are some tips on what to include in your goals.
President Biden recently stated he has spoken to major big box store CEOs about Christmas supply chain issues. He assured us we will be able to get our Christmas shopping done. What if that isn’t exactly how it pans out? Last year I wrote an article about doing experiences over gifts for Christmas. While experiences […]
On this site we have talked a lot about life insurance, preparing for when the unexpected happens. Check out this post if you’re wanting to learn about the difference between term and whole life insurance. When you’re raising a family, you may opt for life insurance for the entire family. What if something happens before […]
Kid activities don’t just stop when the summer ends and school begins. Often they just shift what activities they are doing and the time at which they do them. With the holidays coming down the line quickly, saving money is a good idea. Before you enroll your children into something new this fall, consider these […]
My family and I have been trying to find land to build on this year. Unfortunately for us, this year is NOT the best year to be investing in homes and land. Manufactured homes have increases many thousands of dollars since we first looked in March! Local options are close to the 200’s JUST for […]
There are many families dealing with the financial impact of 2020 well into 2021. One of the ways the Biden administration is trying to help families across the country is to make early payments on available child tax credits. Is that really beneficial, or should you hold out for 2022 to get your tax […]
Over the summer I wrote about RVing on a budget. In that article I shared that my family fulltime RVs. RVing fulltime might not be everyone’s cup of tea, but I think there are valuable lessons to be learned when living simply. Here are some of the lessons I have learned about living the small […]
Since the election, we have seen an increase of prices at the pump. Both diesel and unleaded are headed upward with little relief in sight. The average mileage in the US in 2018 was 13,500 miles per year. I’m sure this has changed since the start of Covid with people choosing to stay home and […]
As we turn the corner and head into the holiday season, paying for gifts, travel, and food is often a stress factor for families. Numerous American families go into debt for Christmas expenses. Planning will save you stress and money going into the new year. This article will help you think of some ways to […]
We live in a consumer society. It is difficult to stay out of debt and live on a budget. What if you have a small income and many expenses? How do you make your income stretch as far as you can? How can you consolidate debt so it’s not overtaking your expenses? We will explore […]
When you find out you’re expecting a baby many emotions are felt, possibly the fear of affording a new baby is one of them. Many people have visions of grandeur when thinking about what the infant stage will look like. It is possible though, to have a baby and stay on a minimal budget! Here […]
When trying to save money, one of the budget categories many people cut is food. After all, aside from a mortgage payment or rent, it’s probably one of the largest monthly expenses for most families.
As I mentioned in a previous post, my husband and I have been fortunate enough to keep working during COVID-19. But, many other people have been forced to stay home and have faced difficulties with their finances as a result.
My last post was about how you can save on new clothing for the whole family. But sometimes you just can’t afford to buy new. Fortunately, you don’t have to sacrifice style simply because you can’t afford to buy brand new clothes. There are ways to look good and save on used clothing at the […]
They say nothing last forever, and that’s certainly true when it comes to clothing. At least, that’s been my experience. My favorite wardrobe items always wear out first simply because I wear them the most. Over time they become thin and threadbare from frequent wear and washings. I’m sure the same is probably true for […]
One of the things I dread about winter time is the increase in our utility bills. When the energy bill comes in our mail each month, I almost cringe at how much we’re paying. It seems like the cost to heat our home has gone up drastically in the past few years. At the same […]
Whether you work from home, like I do, or go to a traditional job each day, saving time is important. In fact, in many situations, when you save time, you save money by default. For instance, when short on time at home, you may eat fast food or premade convenience foods. The cost of either […]
Did you know that having the winter blues is a real thing? It’s called seasonal affective disorder, or SAD, and getting more sunshine can help. Although SAD doesn’t affect everyone, many people say they get the blahs when the thermometer dips during winter. As a result, some people turn to shopping, eating out, and other […]