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Money Management

Minimalist Budget

Budgeting for Upcoming Purchases and Goals

Budgeting / By

People need to have money to purchase groceries and day-to-day household items.  They need to have money to pay their monthly rent or mortgage as well. Therefore, most people devote a lot of time to thinking about money.  It can be incredibly frustrating to lack sufficient money to cover certain things. You may think that only people with middle-class or lower incomes think about money so much. But that isn’t the case, whether you make $10 thousand or $10 million a year you still think about money. It may be how do I get enough money to pay for food and rent this month or it may be “Ouch, that stock just lost 10% of its value” but either way it is a concern.

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Are Your Water Bills “Eating You Alive”?

Frugality / By

According to CreditDonkey, “on average, Americans pay $104 per month for electricity” and “$70 a month for water.”  This amount is based on the average person using between 80 and 100 gallons of water per day. This of course only applies to households that are connected to a public water system. Those people who are fortunate enough to have their own well pay virtually nothing for water other than a few cents for the electricity to pump it out of the ground. However, paying half as much for water as you do for electricity seems a bit extreme. 

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Credit rating

3 Ways Keeping Tabs on Your Credit Helps More Than Just Your Finances

Credit Rating / By

When you think about your credit rating, you may think its importance when you apply for a new loan or a credit card. Of course, these are two important areas that do play a major role in your finances, but credit ratings affect more than your ability to borrow money. Here are some of the other reasons to keep tabs on your credit rating besides borrowing.

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Cash Back Credit Cards

A Guide to: Making the Most of Cash Back Rewards Credit Cards

Credit Cards / By

Let’s face it, there’s hardly a day that goes by where you don’t spend money. Whether it’s putting gas in your car, grabbing lunch with coworkers, or stopping at the coffee shop to get your morning fix. So the question is, if you’re frequently spending on everyday purchases, would you want to earn a percentage back? With cash back reward credit cards, you’ll earn a small percentage back on a variety of items. It’s equivalent to constantly shopping at a percentage discount.

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Valuable coins

How to Start and Build a Valuable Coin Collection

Investing / By

Almost every youngster dreams of finding a buried treasure. As we get older our dreams may change and we begin to dream of winning the lottery or getting a visit from Publishers Clearing House. While the odds of any of these things happening are rather slim if you know what you are looking for you can discover valuable coins in your pocket change. So, in addition to being an interesting hobby, coin collecting can also be lucrative as well. You most likely won’t find any rare coins right away, but you can build up a valuable and sizable collection over time by simply remaining consistent. Here are a few tips and tricks that you can use to start your own coin collection.

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Financial Tips for Newlyweds

Newly Weds: 5 Reasons You Need a Financial Planner in the Early Years

Money Management / By

Getting married is a joyous occasion, but it also comes with an assortment of questions. One of the biggest is how to handle your money. While you likely previously handled all your finances yourself, now you have to take your spouse into consideration. You don’t need their approval for every penny you spend, but you will need to consult them for larger decisions. Here are some reasons why a financial planner can help out in the early years of marriage.

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Financial Planning for Parents

4 Financial Planning Tips for Parents

Money Management / By

Having a baby on the way requires a huge amount of planning. You have to plan all your doctor’s visits, design your child’s room, and figure out how long you’re going to stay out of work post-baby. You might even be planning your meals or researching your childcare options. However, there is one area that many parents forget to plan for – finances. While financial planning might be the last thing on your mind with a new baby on the way, it is extremely important. After all, according to Time, it takes approximately $245,340 in total to raise a baby from birth to adulthood. That is a huge amount of anyone’s income and requires a great deal of forethought to do effectively. Follow these financial tips to ensure that you and your child have the best financial future possible.

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Financial tips for 20 somethings

Money in Your Twenties: 5 Reasons You Need a Financial Planner

Investing / By

The first few years after you graduate from college are some of the most important of your life. You may for the first time have to figure out how to make student loan payments, pay rent and make sure that there is food in the pantry. The good news is that a financial planner can help you create a budget that works today and in the long-term.

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Saving Water

Are Your Bathroom Habits Costing You? 4 Tricks to Save Water and Keep Bills Low

Energy / By

You would be surprised at how much water your family uses every day. Did you know that the average American uses 100 gallons of water a day? And a good portion of that is just from your bathroom habits alone. The good news is that there are several ways to save water without sacrificing your bathroom habits. If you have public water and sewer (as compared to a well and septic) you may actually paying for that water twice, once when it comes in to your house and once when it goes out. But sewer water isn’t metered so even if you water your lawn with it, you may be paying sewage fees for that water. Plus if you use hot water you pay again to heat it. But you can start lowering your water bills by keeping the following tricks in mind.

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