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Budgeting

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Do you have a pile of gifts piling up with no-where to put them? This holiday season, in honor of saving money and decluttering, consider re-gifting. Re-gifting rocks in so many ways! Some of the best gifts that have been given to me were products of re-gifting. 5 Reasons Why Re-gifting Rocks #1. Get rid of the clutter I cannot stand clutter and I am guessing a lot of you cannot either. If you get a gift that you won’t be using, maybe it’s time to hand it over Instead of filling up your countertops with stuff you won’t use,…

Money is an always a delicate issue to discuss, probably because of its indispensable role in the affairs of people. Likewise, developing the right money habits while killing off the bad ones is no fun. In fact, it is next to the impossible to many. Nevertheless, the first step to financial independence is living within one’s means; curtailing your expenses, avoiding debts, saving a percentage of your income are some of the things you will need to adapt to. It is a proven fact that more money (wealth) doesn’t guarantee happiness but living within one’s means does just that. I…

Most couples are not always honest when it comes to the issue of money. A study in the U.S by Creditcards.com found that nearly 1 in 5 customers have hidden purchases of $500 or more from their partners, they also found that almost 7.2 million people have concealed a bank or credit card account from their partners. There is no surprise then that spending decisions are a major reason for most relationship troubles, one partner wants to save and tries everything to cut on costs while the other partner just likes to spend and if allowed, spend enough money each…

As I get older I become more of a homebody. And when the weather is warm I live outdoors. About 10 years ago we put in a paver patio on the side of our house. After we put the patio furniture, grill, etc. on the paver patio it became smaller. The last few years we added on to the paver patio making it big enough to add a fire pit. We just made the patio basic since we were building it on a budget and it seems just fine for the time being. Someday I would like to create an…

As high school students get excited for Prom night, it can get expensive from the dress to dinner and everything in between. Prom doesn’t have to be expensive as there are ways to cut the costs, have a good time, and look like a million bucks. Check out these tips to help you have the prom you want without breaking the bank. Prom on a Budget Borrow. Borrow a dress, jewelry, and shoes from a friend or family member. Chances are they have the items from a prom or wedding they have attended in the past. Shop Smarter. Check the…

If you like to splurge on Starbucks every now and then or more often than you should, check out these 8 Starbucks hacks that will save you money. Find out how to get drinks for less or even free with these tricks and tips. Ask for Light Ice If you are getting a cold drink, you may be paying for ice rather than the drink itself. When preparing cold drinks they fill the cup up with ice first then the drink. You will get more liquid if you ask for light ice. Rewards Program Sign up for the…

Are you having a party for the Big Game? Having friends over for the big game can be fun but the cost of supplies, food, drinks, and more can get expensive.  No need to fear as you can still have an awesome party for less. Read the tips below on how you can score a Touchdown Party on a budget! How to Throw a Big Game Party for Less Cook Simple. Using your crock pot you can make hot dogs, sloppy joe’s, pulled pork, and other inexpensive food. For snacks by pretzels, chips, etc. Turn it into a Potluck. Have…

Are you weighed down by credit card bills? Wondering how are you going to pay them off? Studies have shown the about 47% of Americans use their credit cards instead of using cash. While it so easy to get out the plastic and hand it over, many of us are suffering because of it. There is a way you can get back on track and get rid of that credit card debt. Try following these 5 simple steps to help cut your credit card debt to get back on track.  How to Cut Credit Card Debt in 5 Steps 1.…

Hickory Farms have become a Family Tradition for my family every year for as long as I can remember.  For more than 60 years Hickory Farms has been providing family traditions all over the world with their famous gift baskets of Summer Sausage, Melt Away Mints, and more. If you ask anyone if they ever heard or tasted Hickory Farms, you will probably get more of a positive response. These memories that Hickory Farms create every years means that they care about their customers and keep them satisfied. Hickory Farms offers a variety of specialty foods and holiday food…

Earn Extra Cash Completing Surveys Completing surveys is a great way to earn extra cash and save up for vacation, holidays, and more.  Whether you have lots of free time, or just a little, you can definitely earn cash and gift cards. If you enjoy answering questions and giving your opinions, then surveys are for you! There are several survey companies out there, so you are sure to find some that fit you and earn some extra cash. Sometimes it can take a while to have enough earnings to cash out, so you really have to look at the details.…