By Stephanie Mojica
There are plenty of frugal people all over the world who pinpoint the “latte factor” when it comes to keeping more money in their pockets. If you start brewing your coffee at home or maybe cut out that daily morning cup, you can save thousands every year without you even knowing it. Taking [...]
One New Years resolution that can really pay off for your financial health is to improve your credit score. Often times a bad credit score can be attributed to bad money habits. The New Year is a good time to kick those habits and start financially healthy ones.
For years, when I was deep in debt, my credit cards ruled me. The balances that I carried on them never seemed to decrease and were a constant strain on my life. The money that I was wasting on interest fees was outrageous! For the longest time, simply carrying these things around in my wallet was costing me money.
Before online shopping became popular, you’d have to patiently sift through the Sunday newspaper to find the latest coupons or drive out to the stores to see if they had any ongoing coupon promotions. Those days are now behind us as it’s possible to get the best online coupon deals to save money from the comfort of your living room.
We’ve all heard the story of Cinderella with the wicked step-mother and step-sisters, the fairy Godmother and the magnificent ball. We’re all familiar with the ending where Cinderella finds her prince and they live happily ever after. This is a story about what I call “Cinderella Loans” and it’s different from the fairy tale because if you take out one of these loans you may end up in a nightmare instead of a fairy tale.
When I was in college, I had a great time, but even so, I didn’t maximize my experiences nor did I optimize my Finances as well as I could have. Now you may be thinking that if I didn’t maximize my experiences by spending for such things, that I would have been maximizing my finances, but I didn’t.
One of the hot financial topics today is identity theft. And if you think it can never happen to you, you are wrong. According to the Federal Trade Commission (FTC), there were 1.3 million people falling victim to the crime, which accounts for 21% of total complaints. Here are some examples of identity theft that I have first and second-hand experience with.
Black Friday is almost here, and there will be some great deals to be had – if you know where to look, and if you plan ahead. Without a plan, you are sure to miss out on the best deals, and will more than likely end up spending more that you want. These tips can help you maximize your holiday shopping experience, nab the best deals, and stay within your budget.
Tomorrow, Saturday November 13th, I turn 23. 23! Yikes! I mean I know it’s not that old, but to me, it feels old. And now that I’m one day away from being 23, I’ve realized it’s time to start being more financially responsible.
Are the holidays tough on your budget? Buying gifts for all your friends and family can really take a bite out of your savings account. It’s tough because you want to show you care about all of them but all those presents can get pretty expensive.
People are always looking for ways to make more money and asking for a raise is the most obvious way to increase your income. However, asking for a raise can be an intimidating experience. Your boss’s goal is to get you to work for the least amount of pay possible. It is their job to minimize costs and maximize profits. Knowing this makes asking for a raise a little intimidating!
For most people, working from home sounds like a dream. No commute, no having to wear appropriate office clothes, no typical office distractions. The best part? You can save money by working from home! With no commute costs, the ability to minimize the amount of “work clothes” you need, and no need to worry about always packing a lunch before you run out the door so you don’t have to eat out, working from home is a money saving dream of a solution!
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