Budgeting: A Necessary Evil


Budgeting: A Necessary Evil No matter what your income level is, odds are you will have to budget at least once in your life. Whether you’ve hit a rough patch financially, or you’re saving up for something like a house, budgeting is a vital skill, especially if you want to avoid repossession or bankruptcy.   But, many people who start out budgeting often take unnecessarily drastic steps to save money. This may include cutting out social occasions, trips away, or fun outings. Such an extreme approach can make your budgeting unsustainable and ineffective in the long-term. The best budget is…

3 Ways to Save Money During the Holidays


Start by Building A Budget for Holiday Spending This is one of the most important tips we can give you. During the holidays, it’s easy to get caught up in the spirit of things, and start overspending – from Christmas meals, to decorations, gifts, donations, and more. We get it. It’s not very fun or festive to sit down in front of a spreadsheet and determine how much you can spend on gifts for family, decorations, and other holiday essentials. But doing so is a really good idea. If you build a budget for holiday spending, you’ll be able to…

Season’s Savings: How to Save on Each of the Four Seasons


Money saving and sustainable living intersect on many levels, yet one of the most obvious ones is food. After all, entertainment will cost you no matter if it's an occasional concert or a sports game at your local stadium, you can't negotiate your bills and fees, and many other expenses are beyond change. You can always save on food, though, and it's surprisingly easy if you know how to start. Saving opportunities are there in every season - you can make the most of each one and save money in the long run. Spring - Herbs, fruit, eggs Spring is…

3 Effective Ways to Stay Entertained Without Blowing Your Budget


If you’ve ever visited a dietary expert to get tips on how to eat well, you might have been told, “Everything in moderation.” After all, unless you have a health problem that makes it unwise to consume certain foods or ingredients, it’s usually okay to indulge in favorite treats from time to time. Moderation is also a key principle when it comes to staying entertained. Luckily, in that case, moderation doesn’t equal boredom or feeling like you’re missing out. Use Gift Cards to Keep Spending in Check Gift cards are quite convenient because they usually don’t expire. Also, you can…

5 Monthly Expenses That Can Be Reduced in a Single Afternoon


In order to make ends meet and save money for extras, you have to treat the family budget like a family business. That means keeping an eye on your finances month after month and regularly evaluating ways you can cut costs. Believe it or not, there are a number of things you can do relatively quickly to reduce expenses and continue to reap the rewards over the long-term. Rack up significant savings over time by taking an afternoon to thoroughly assess your budget and make a few adjustments. Monthly Expense: Utilities The Fix: Find a Provider With Better Rates More…

The Easiest Way to Save Up For Your Annual Vacation


I'm constantly amazed how quickly we've replaced spending on things with spending on experiences. One big reason for this is the rise of Facebook. As we scroll through our feeds, we see friends who have spent time in all sorts of exotic locales. Their pictures are beautiful, always filled with smiles. These same friends gush about their vacations when they get home. "The food was amazing! The scenery was breathtaking! The hotel was phenomenal!" It's little wonder people so desperately want to travel the world when they're up against that. Some of us take it to a new extreme, quitting our…