The Importance of Saving Early


When my husband and I first married, we were poor and in debt. It was a difficult place to be, and, even as we made inroads and improved our finances, we still felt pinched. As a result, we decided that we couldn't "afford" to set aside money for the future. Finally, after a few years, we finally opened a Roth IRA and started setting aside some money. As I began writing about personal finance, I realized what a mistake we made. During those early years, we could have perhaps set aside $25 per month. But we thought the amount was…

5 Energy Efficient Devices to Lower Your Office’s Operating Costs


As part of the green revolution, more and more companies are looking for ways to reduce their carbon footprint, and rightfully so. The effects of the emissions of harmful chemicals being released into the atmosphere have become increasingly clear. Many corporations that opt to use renewable resources to fuel their facilities and services out of concern for their environmental impact. An added bonus to these efforts is a marked reduction in operating costs. Here are a few energy efficient devices that can be added to any energy conservation plan to enhance its effectiveness and lower overhead costs in the meantime. Solar-Powered…

7 Hidden Costs of Getting Married


Congratulations! You've just finished paying for a wedding, which means you just spent the equivalent of a home down payment or a year of college on a single day. (Unless, of course, you followed this site's sustainable wedding planning series.) Now that the wedding's all taken care of, your major expenses are over, right? Not exactly. If you're about to tie the knot, you better prepare now, or risk breaking your budget and causing uncomfortable financial arguments in your marriage's first year. Here are seven hidden costs of getting married: 1. The Name Change Not every woman changes her name…

Adopting Minimalist Principles to Save Money and Live Sustainability


One of the great things about living more sustainably is that you can also save money by adopting greener habits. One way to improve your ability to live sustainably, and to save money, is to adopt a few of the principles of minimalism. What is Minimalism? There are many different definitions of minimalism, but, for the most part, the main point of minimalism is to reduce the clutter in your life. This includes the material clutter of things, as well as the clutter in other areas of your life, such as continuous activities that make you seem "busy," even though…

How to Save Money and Remain Eco-Friendly While Driving


Drivers are always seeking the best way to save money when it comes to their cars. Eco-friendly choices offer car owners cost effective methods that are actually good for the environment. 1) Have Regular Tune Ups Proper maintenance is essential for any vehicle. Changing spark plugs is a cost effective way to lower fuel costs. Wires that are in need of repair can be fixed before becoming a more serious issue. Most facilities also have programs to recycle any parts that must be replaced. 2) Check the Tires Alignment treads and tire pressure should always be monitored. Ignoring these issues…

Life Insurance and Pre-Existing Conditions


One of the chief benefits of the Affordable Care Act is that it provides health insurance to everyone, regardless of pre-existing conditions. In the past, even a basic case of asthma was enough to render you either un-insurable or ineligible for all but the costliest packages. Now, that's all changed. As author and internet personality John Green showed us this week, all you need to do to apply for Obamacare is put in your name and basic information -- a much shorter procedure than the process of applying for private insurance, which often requires you to input a lifetime's worth…