It wasn’t so long ago that I was living paycheck to paycheck. In fact, worse, with my income I was struggling to just keep up with my minimum debt repayments each month. The slightest issue could (and sometimes did) derail the whole carefully managed situation. Now, though, things are much different. I’m virtually debt-free and...
Tag: spending
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Five Things to Do with Your Tax Refund – Other than Spend It
What are you going to do with your tax refund this year? If your immediate answer was “spend it,” you might want to think again. According to the IRS, the average tax refund in 2012 is $2,899. That’s certainly a significant amount of money that could buy you a lot of fun, nice things. But...
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Five Tips for Sticking to a Budget
Many things eat up our money daily – phone bills, car insurance renewals, and calling out the plumber when the boiler goes bust. Unexpected expenses, twinned with daily spending can sometimes lead to a state of panic and a feeling that there’s no other way out but to borrow from the bank – or your...
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8 Great Apps for Managing Personal Finances
Spending money is easy. Keeping track of the money in our accounts is the hard part. In today’s digital world, much banking is done online. Many people take advantage of banking technology by having their paychecks automatically deposited into their accounts each month. Others sign up for automatic bill pay for all of their monthly...
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The Festival of Frugality #321 Reviews
To save enough money, it is important to practice frugal living. It is always good to save some extra bucks to prepare for emergencies. Frugal living has other advantages too. You will be surprised to know how many innovative ways are there to manage your finances and earn some extra bucks. Read on to know...
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8 Small Things That Can Change Your Spending Behavior
The million-dollar question that everyone is asking is how do I cut my budget and save money? About ten years ago, no one was as concerned with trimming the fat. Well, the truth is ten years ago America was not on the verge of a recession. Today more and more individuals are looking for authentic...
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10 Easy Money Saving Tips on Groceries!
Times are tough and many of us are doing all we can to tighten our belts and keep a close eye on our budgets; everything from spending less on entertainment to not traveling very far due to fuel prices Another major expense is the cost of food You’ve probably heard all over the news that...
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Are you due a spending makeover?
The question ‘do I need a spending makeover?’ is one that we should all ask ourselves regularly. New financial products are being introduced, there are always inviting incentives to switch providers and, of course, credit card balance transfer deals such as those to be found here. Circumstances too might have changed. Saving to buy a...