Whether you are living paycheck to paycheck or are looking for ways to save more money and spend less, it is possible to live a happy life on a budget! Most of us have to live within our means in order to avoid getting into (more) debt. Here you will find tips on how to get the most from your money.
Go ahead and ask a financial expert this question. Chances are you’re bound to get quite a few answers. Whether it’s the 10% gross income rule for monthly car payments and expenses or the 25% rule for purchasing a new vehicle, there is no one size fits all answer financial experts can agree on when it comes to how much “Car” you can afford. Chances are you might not be able to afford the car …
There are a lot of reasons to become a more charitable person. Doing so will not only benefit the organization and the community they serve, but it can also boost your own mood, making you feel happier and more fulfilled. Maybe you’re passionate about a certain cause and ready to give back to your community. Maybe you’re tired of all the negativity going on in the world around you and you want to make the …
There are many reasons you may want to start building a capsule wardrobe. I mean, you didn’t land on this article by chance. You came here for a reason. Minimizing and simplifying our lives is more than a trend that Marie Kondo came up with when she created her tidying up technique. It is opening our eyes to the fact that less is more. You could be sick of the clutter and the decision making …
With all the talk of a pending recession, saving some money on your next vacation is likely even more top of mind than usual. Luckily, there’s a solution out there to help you save money while still enjoying your next vacation! The answer is called travel hacking. Travel hacking is just a fancy term that entails using existing systems to your advantage to get discounted and free airfare, hotels, car rentals, and other travel expenses. …
There’s been a lot of discussion recently about whether restaurants, cafés and other places that serve food should be doing more to reduce their carbon footprint. The plastic waste crisis is very much real, and restaurants are starting to feel the pressure to switch to eco-friendly packaging. Single-use plastics such as disposable straws, grocery bags, take-out cups or containers, and water bottles are already banned in many cites and countries. And there are many more …
Congratulations! If you’re reading this post, you’ve likely found the person you want to spend the rest of your life with. Perhaps you’re considering popping the question to your partner soon, or you’re just starting to research the cost of an engagement ring so you can begin saving up. No matter what brought you here, this post will share everything you need to know about buying an engagement ring. We cover how much you should …
Who loves a good souvenir? Who hates spending an arm and a leg on purchasing said souvenir? Bargain shopping while abroad can be one of the most fun and satisfying things you do during your travels. Why? Because even though, when you do all the monetary conversions, you’re not paying that much in dollars, you want to get a fair price for where you are. Plus, who doesn’t love a challenge? I can’t tell you …
Buying a new, or new to you, car isn’t your typical impulse purchase, but I’ve seen it happen. I’m guilty of rushing to buy a new car myself. Twice. And with Christmas right around the corner, I’m sure a new car is on at least a few people’s wish lists. I wanted a car for a long time. In my 20s, I had some medical issues that seriously affected my sleep. Having to get up …
Many people have bad credit and are understandably frustrated and stressed out by it. While having bad credit does limit your options, it doesn’t have to ruin your life. The honest truth is your borrowing options are limited when your credit is bad. With that said, it’s not an impossible task. It is still possible for you to get a loan, rent an apartment, finance a car, and even buy a house – despite having …
Some people spend a lot of money on their clothing expenses. Others, like myself, don’t really spend that much. The general guideline is that you shouldn’t spend more than 5% of your disposable income on clothing each month. So if your net income is $2,000 a month, you’re clothing budget should be $100 per month, or $1,200 per year. Whether you love fashion or only buy what you need, if you’re living on a budget there is …
Pets are the best! Not only do they provide love, companionship and entertainment, but studies have shown that owning a pet is also good for your health and for your quality of life. They can help reduce your depression, anxiety, stress, blood pressure and cholesterol levels, ease pain, improve your mood, and can help improve children’s development and immunity. But owning a pet can also be expensive. Especially with those inevitable vets bills. It …