Category Archives: Manage Your Finances

Frugal Packing Tips

Frugal Packing Tips

My wife and I are moving. After many months of searching for a new home, we found ours late in 2015. After some back and forth with negotiations we agreed on a price. The only catch was we had to sell our home. It was stressful, but in the end, we were able to do so quickly. That left us with the exciting chore of packing and moving. I am being sarcastic when I say packing and moving is fun. It was tough and stressful but we learned many things along the way. One of which is frugal packing tips.Continue Reading

Best Practices for Establishing Credit

Best Practices for Establishing Credit

In today’s world, a good credit score is a powerful tool for financial stability. It may determine if you can borrow money for a mortgage, car or other loan and what interest rate you’ll pay for that loan. Your credit score may also be a factor in whether or not you can rent an apartment or how much you pay for insurance. The two major credit scores are the FICO score used mainly for lending decisions, and the VANTAGE score, created by the three major credit bureaus to compete with FICO.Continue Reading

Tax Tips for First-Time Filers

Tax Tips for First-Time Filers

Filing taxes on your own for the first time can be a daunting task, but it doesn’t need to be intimidating as long as you know what you’re getting into. Take a deep breath, read through these tips, and make your first filing process as easy and stress-free as possible.Continue Reading

Age Matters: How Auto Premiums Change As We Do

Age Matters: How Auto Premiums Change As We Do

There are a lot of factors that determine your car insurance rates. One of the biggest factors we can’t change at-will is age. However, there are some things to take note of to understand exactly how age affects your car insurance plan.Continue Reading

The Power Of Living Debt Free

The Power Of Living Debt Free

As a twenty-something, ideally you have very little, if any debt. You probably have some student loan debt, but that is it. For most of you, you don’t know what it is like to live a debt free life. After all, you never had a full time job working 40 hours a week for a full year until now.Continue Reading

Why We Play The Lottery

Why We Play The Lottery

Everyone was caught up in the Powerball frenzy of the last few weeks. As of this writing, it appears that 3 people will split the grand prize and many others will get a smaller piece of the prize. While it is fun to play and imagine life after winning that much money, the question is, why do we do it?Continue Reading

How to Cut Down on Unnecessary Spending

How to Cut Down on Unnecessary Spending

There are many ways to budget, but also many ways to blow through our budgets in record time. Living expenses add up quickly, and it can be hard to narrow in on how exactly we’re spending more money than we can actually afford to part with.Continue Reading

How Much Stuff Do You Have?

How Much Stuff Do You Have?

My wife and I are in the process of selling our house and buying a new one. As such, we have to get our current house in order to go on the market, which means one thing: cleaning and organizing. I am sure that most people experience the same feelings as we are now when moving, namely, where did we get all of this stuff? But it has greater meaning now because our families were asking us about our Christmas lists not too long ago and what we wanted.Continue Reading

Prepping For The New Year Financially

Prepping For The New Year Financially

With the new year comes many of us seeking to improve our lives. This usually means health and finances. I am not going to talk about health here, but am going to give you some guidance for preparing yourself for the new year financially. What steps can you take that will have a significant impact on your finances in the year and the years that follow? Keep reading to find out.Continue Reading

The Daily Habits that Deplete Your Bank Account

The Daily Habits that Deplete Your Bank Account

What 20-something hasn’t looked at their bank account and felt the sinking realization that the number is far lower than expected? It’s a common dilemma, as common as the habits that make it a reality. You might think you’re being responsible with your money, while depleting your funds quicker than ever before. Luckily, there are easy fixes for our unnecessary spending habits, and I’ve laid them out below.Continue Reading