Living for today - Planning for Tomorrow
We all experience emergencies at some point or another, right? Unfortunately, 62% of Americans can’t cover an unexpected $500 car repair, according to Bankrate. The need seems so prevalent to those who are already strapped for cash, but what about the ones who aren’t? Do wealthy people need an emergency fund, too? Do Wealthy People Need An Emergency Fund? It all looks so glamorous on the
My husband and I took a nontraditional route as newlyweds and didn’t buy a house for five years. We wanted to, especially when our children came on the scene, but our focus was paying off debt and saving up a down payment. The catalytic moment for our house fund was the day we discovered the 52-week money saving challenge. If you’ve ever owned a house,
When my husband and I were going through an extremely frugal season of our lives (in other words, we were broke), it seemed almost impossible to save much money. We put away whatever we could toward emergencies and were, thankfully, living debt-free, but that was all we could do. That was until we decided to take the 52-Week Money Challenge. This is the challenge that
How would you like to save $1,378 starting with a deposit of $1? The 52-Week Money Challenge is the perfect way to do that! What is the 52-Week Money Challenge? The run down on how to start this challenge is as follows: Step #1: Designate a starting week (many people start during the first week in January). Step #2: Deposit $1 on week #1. A
Losing a job is ranked among the top 10 most stressful things a person can face, according to the Holmes and Rahe Stress scale. With that in mind, is it even possible to prepare for a loss of income in order to lessen the stress it’s sure to cause? Yes. Whether you face a sudden or expected loss of income, there are steps you can
We all learn differently. Some learn best through the visual world; some thrive on a spoken word. Then there are others who enjoy parables or fables that weave a life lesson into a tapestry of story. Since you are kind enough to grace this blog post with your presence today, I have a hunch that you read books, too. I also have a hunch
Recently, I wrote about several apps that pay you money. Now I’m back to talk about apps that track your spending. Before I delve into the list, I think it’s important to distinguish the difference between tracking your money and budgeting your money. I used to think they were one in the same. Anything was better than winging it. That may be true, but I don’t believe a
Do you use a monthly cash flow plan? Most people call it a budget, but that often leaves a bad taste in people’s mouths (mine included). Terminology aside, do you think it helps or hinders your money? Here’s why this matters so much to me. I spent the first half of my twenties avoiding a monthly cash flow plan, feeling it went against my freely
Grocery shopping may never be the same. Kroger upped its game in 2016 by creating an online shopping option with a roadside pickup. You order, pull up to the store, and they load your trunk with your groceries. Is it too good to be true? Here is my Kroger ClickList review. I’m a stay-at-home mother of two. I’ll be the first to admit I don’t prefer losing
One of the most negotiable “needs” within a home is cable. Due to clever marketing and structured price packages that include internet and a land line for nearly the same price as cable, it’s hard to say no. If, however, you’re looking for some frugal alternatives to cable, this list is for you. When cable first hit the scene in 60’s and 70’s, who could have
