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 […]
How to Use an Online Calendar to Save Time and Money
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 […]
How to Beat the Winter Blues
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 […]
How to Cut Back on School Supply Costs
Summer is pretty much over. Sadly, that means kids everywhere are either already back to school, or they’ll be going back soon. If you have kids, that may be good news to you in some respects. Your childcare expenses may decrease and you won’t have bored kids anymore. At the same time, paying for school […]
Cheap Ideas for Decorating Your First Apartment
Recently, I read a Facebook post my Nephew’s wife shared. In the post were pictures of her daughter, happy and smiling, in cap and gown at her high school graduation ceremony. Obviously, she’s not the only one graduating at this time of year. There are literally thousands of graduates from both high school and college […]
How to Save Money During Summer Break
Not long ago I got the first of several high school graduation announcements in the mail. They came from distant family members as well as local friends. My guess is that several of these young people will be moving on to college in the fall. In fact, the National Center for Education Statistics shows that […]
Inexpensive Ways to Energize Your Workspace
I don’t know about you, but when the weather outside goes from cold and dreary to sunny, it inspires me. It makes me want to spring clean my home inside and out (although I’m a bit behind on that right now, but don’t judge!). But when it comes to cleaning and updating, you might forget […]
7 Things that can Lower Your Monthly Cell Phone Bill
I have to admit it. I’m guilty. My family had a conversation about cell phones recently, and my husband asked if I take mine everywhere. I replied that, yes, I do take my smart phone with me nearly everywhere. His question stemmed from something he’d heard on the radio. The show was about how the […]
Frugal Valentine’s Options for Everyone
Valentine’s Day is coming up fast, but not everyone can afford an expensive fancy dinner. If your budget is tight, like mine is this year, you might be searching for other ways to celebrate. The good news is, you can show that special someone you love them without overspending. That’s right. You don’t have to […]
How to Pay Less to Have Your Taxes Done
To me, each January seems long and cold, and a bit of a letdown after the holidays are over. This year seems to be no different. I don’t think it helps that it’s also the month when the IRS starts accepting tax returns. In case you were wondering, this year the date they begin accepting […]
10 Date Night Ideas that Won’t Break Your Budget
Have you ever wanted to go on a date with your significant other but it wasn’t in the budget? If you have, you’re not alone. The average cost of a date these days can set you back over a hundred dollars. To me, that seams like a lot of money to spend on a single […]
How Getting Fit Can Save Money
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 […]
5 Gifting Strategies to Avoid Buyer’s Remorse in January
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 […]
Best Uses for an End of Year Bonus
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 […]
9 Ways to DIY and Save Money for the Holidays
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 […]
Why You Shouldn’t Shop on Black Friday and Cyber Monday
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.
7 Things to Do Now So Your Holidays are Happier
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.
4 Money Wasters College Students Should Avoid
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.
5 Ways to Save Before the Holidays Hit
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.
How to Save Money by Saying “No”
Many people are trying to save money these days. Of course, there are multitudes of ways you can do it if you are one of them.
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