Frugal Flips for the Not-So-Extreme Cheapskate, Part 3

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As of this past March I’ve been posting monthly tips for saving money, which I’m calling “frugal flips.” So far, the flips I’ve shared in this series have the potential to save around $1973 a year. Frugal Flip #6: Re-think your coffee brewing method This one will be especially useful for those of you who regularly make your own coffee at home with a single cup brewing machine, such as a Keurig. If you’ve been...
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How to Avoid Dipping Into Your Emergency Fund

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It takes a lot of time, effort, and sacrifice to build a healthy emergency fund. Seeing so much money in your bank account can be tempting, especially when you’re constantly bombarded with advertisements for electronics, events, and trips. If you want to your money to be in your account when there’s actually an emergency, you have to avoid dipping into your emergency fund.  Reduce your spending to within your income.   Living within your means...
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6 Sneaky Ways Coupons Lead to Overspending

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When it comes to saving money there’s no denying the popularity of coupons. In their 2017 Coupon and Promo Code Use Study, public opinion research firm PRRI found that 92% of consumers have used coupons in the past year. But do they really help us save money? Unfortunately, too many of us end up spending more money when we use coupons than we would have without them. And that is exactly why coupons exist. Budget...
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Frank
I always get caught on #3. My wife too!
Sunday, 30 April 2017 20:46
Alison
Me too! I'm sure we're not the only ones. Coupon psychology is powerful stuff, and that one is especially insidious!
Monday, 01 May 2017 10:51
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8 Signs You're Doing Well Financially

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Do you ever think about your money and doubt that you’re doing well because you’re not where you want to be? Your finances might be in a better place than you think. Here are eight signs you’re doing well financially. You could survive a few months on your savings if you had to . If you lost your job today and couldn’t get another right away, do you have enough money in savings to last...
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Frank
These are definitely good signs! I can't say I do all of these, but alteast a few!
Sunday, 30 April 2017 20:46
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Can Forbearance Save You From Loan Default?

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Major life events can affect your finances and your ability to pay your bills. Job loss, disability, death of a family member, or relocation can create temporary hardship and make it difficult to stay on top of all your expenses. One option for affording your bills during short-term financial hardship is forbearance. Under forbearance, the lender agrees to lower or suspend your monthly payments for a specific period of time; six months or a year,...
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Salary Negotiation Tips for First-Timers

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Have you come to the conclusion that your employer should be paying you more money? Are you ready to negotiate your salary for the first time? Although this can be a stressful situation, it’s something you’ll probably face at some point in your career. Despite your concerns, such as the possibility of your employer shooting you down, it’s important to move forward and take immediate action. After all, you don’t want to work for less...
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A Spending Freeze Can Help You Meet Your Financial Goals

A Spending Freeze Can Help You Meet Your Financial Goals
If you’re feeling like you’re spending more money than you should, you’re looking for a way to save money fast, or you need to stretch your money to the next paycheck, a spending freeze could be beneficial. A spending freeze is essentially a financial fast where you refrain from spending unnecessary money for a certain period of time. Dramatically cutting your spending may not sound like fun at first, but it can be worth the...
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Wanderer
A aide you may want to consider as part of the spending freeze is a budget. Using a budget will help you identify the items you mu... Read More
Saturday, 22 April 2017 20:16
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What are the Benefits of a Personal Loan?

What are the Benefits of a Personal Loan?
Are you in desperate need of money? Do you find yourself comparing your many options for obtaining the cash you need? Like many, the first place you turn is your bank account. If you don’t find what you need, it’s natural to turn your attention to your credit card. While a personal loan isn’t the right choice for every consumer in need of money, there are many benefits that allow this product to standout. Consider...
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Wanderer
Used a Personal Loan to help establish myself in the world of credit and to use the funds to pay off debt. What I liked was the fi... Read More
Sunday, 23 April 2017 05:38
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Watch Out for These Five Dangers of Overspending

Watch Out for These Five Dangers of Overspending
Credit and debit cards make it so easy to make purchases, but they also make it easy to overspend. You can go on shopping sprees without ever leaving the comfort of your home. You can pay bills with the click of button. Unless you’ve told your bank not to process overdraft transactions, they won’t stop you from spending more than what’s available in your checking account. And if you’re short on funds and have decent...
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Frugal Flips for the Not-So-Extreme Cheapskate, Part 2

Frugal Flips for the Not-So-Extreme Cheapskate, Part 2
Last month I rolled out a new series in which I will post monthly tips for saving money, which I’m calling “frugal flips.” So far, the first four I’ve proposed have the potential to save up to $1900 a year. Frugal Flip #5: Make your own soap Before you tune me out because this one sounds too complicated, hang on a moment. It’s actually super easy and will only take a few minutes of your...
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Wanderer
Look forward to your insight on how to save money. You already put forth some new ideas (to me) not in my grab bag.
Monday, 03 April 2017 14:45
Alison
Thank you for the encouraging feedback! Good to know these little tips have been useful.
Monday, 01 May 2017 10:35
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