The average American consumer is a financial fool. Why would you say something like that? Because it’s true….financially. Here is why, The data we have
Here you will find several expense tracking templates to help you in budgeting
Remember the old Steven King movie Children of the Corn? The one where they got rid of the adults and people that were too old?
Retire at 35 and sail away to Bali! What a plan! While this is admirable in my book it’s not very realistic for most people
I’ve talked about saving money during the week but the weekend is when we let it all hang out right? And that is what makes
So let’s say you have some old items you want to cash in. What to do? How do you sell on Ebay? First investigate pricing
Routine maintenance savings Oil changes: Do it yourself if you know how. You may, need to reset service light on some cars. You can buy
Everyone has their typical daily routine. This is how I save money on a workday. 7 am: Breakfast at home of say granola bar and
All the financial papers are talking about the next recession. When will it get here? No one knows. After nine years since the last one
Corporate discounts are often available to those who ask. So if you work for a big name company go ahead and ask when you shop.
If you rent you can try to reduce your housing costs as follows. Get roommates to share the rent. A friend of mine had the
As the cost of inputs rise companies are looking to pass those costs onto you in the form of price increases. This is a form
You should track all your spending each month to determine where your money is going. This is the best way to save money. Look at
There are groups of people out there who are into extreme frugality. These people may grow their own food, make their own clothes, raise chickens,
If you use a lot of something buy it in bulk at a warehouse club. That 64 oz / 2 Liter bottle of ketchup will
Speaking of wines, I don’t think it’s wise to spend more than $10-$15 per bottle for most people. The reason I say that is they
Don’t smoke! It’s very expensive and the numbers over a long period of time are staggeringly large, as in buy a house large! Look at
Do your own work around the house You should not be paying someone to mow your lawn, shovel your driveway, clean your house etc. No.
Many states have a bottle deposit on soda cans, water bottles, sports drinks, beer bottles and the like. The deposit is normally $0.10 or $0.05/
Beware of high financing costs baked into the payments. Always know the cost of the item and the cost of the financing. Most of the
I have mixed feelings about coupons. I don’t like to clip them. I feel couponing leads to more consumption. It’s better not to buy at
Mantra: Frugality is our rake to bring in more money so we can invest it and make more money! One does not need to be
“Only little people pay taxes!” That is a famous quote from Leona Helmsley. A rich hotel owner from NYC in the 1980s. She was known
Reward cards in my view deserve special mention. I don’t encourage their use as they are a form of debt unless you plan to pay
Let’s say you are working hard to pay off your debts and you want to earn some extra cash on evenings or weekends. You can
Pickup trucks for the weekend warrior. They sure are popular in today’s economic climate. As I go to the office I see more and more
Toys, toys, toys for all the good boys. No! There is no Santa and you are adults with jobs and responsibilities. Big boy toys are
If you take public transportation in a big city Buy a monthly pass with using a Wageworks account and pre-tax dollars if available given your
Some people say cancel the gym to save money. I say not so fast. Perhaps you can find a more reasonably priced option. Why dropping
The simplest way to save money is to not buy anything but you need to eat so let’s see how we can spend a little
The philosophy of how to live frugally and be happy. Frugal living is our rake to bring in more money so we can invest it
So let’s say you splurge and end up buying things you don’t need or regret buying later. It happens to everyone including cheapos like me.
Cutting the cord is quite popular now. Whether it is the right choice for you depends on a few things. Cable tv is most certainly
You can’t avoid them but try to minimize them Heating: Save $50 to $75 per month Crank down the heat to 68 or 67 F
The cost of subscriptions can add up fast per month if not properly managed. Each one alone seems innocent enough by themselves but together they
Dining out tends to be expensive however it is good and necessary to go out once in a while to socialize with friends and relax.
I used to think my boss was crazy for bringing his lunch every day to the office. However he has a second house in the
Small changes bring big savings! Let’s start with your daily caffeine habit. Chances are if you work you drink coffee and pay a lot for