The average American household has $96,371 in consumer debt according to Experian. This includes around $5,221 in credit card debt and $20,987 in auto loan debt. Several years ago when I first started my debt payoff journey, I was all about saving the most money in interest and tackling the big balances first (ie. using… Read more
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Emergency Fund Tips: How to Grow Your Account Fast and Where to Start
I’m super attached to my emergency fund. I saved my first baby emergency fund of $2,000 in 2015 when I’d just started out on my debt payoff journey. Since then, I’ve had a hard time becoming comfortable parting with the money for any reason. It’s important to save money and avoid touching it in case… Read more
How Does Shopkick Work? Save Money and Earn Rewards
I’ve always loved finding clever ways to save and get more bang for my buck. But recently, the cost of everything has gone up so much that I’m getting back into the habit of saving money as a necessity rather than a choice. As I return back to my more ‘frugal by necessity’ roots, I’m… Read more
4 Best Ways to Battle Lifestyle Inflation and Save Money
Today we have a guest post from Michael. Michael is the owner of Savebly, a personal finance blog, dedicated to helping others to improve their finances and live life on their own terms. Slowly but surely, lifestyle inflation will creep up and it has the potential to ruin you financially, burying you in piles of… Read more
7 Smart Moves to Make With Your Tax Refund
Tax season is among us. If you get a tax refund, it can be easy to think of all the cool things you’ll be able to pay for like fancy dinners, a new T.V., Rachael Ray pots, who knows. Receiving a lump sum or money can feel good, I know, but it’s important to resist… Read more
30 Frugal Ways to Spoil Your Spouse (+30 Budget Date Ideas)
Relationships require a lot of communication, love, and nurturing to thrive. With this month being the most prominent time of year to express your love, I thought it would be fun to offer up some ideas of affordable and even some free ways to spoil your spouse followed by 30 budget-date ideas. I’ve only been… Read more
Prioritizing Your Debt-Free Strategy
Debt can make it difficult to get ahead with your finances so it’s no wonder that being debt-free is a very common financial goal. While there are many strategies to help you get your debt down to zero, it can be hard to figure out which one is best. However, once you find a way… Read more
How I Found Money to Start Investing
Thank you DiversyFund for sponsoring this post. It’s never too early to learn about investing for your future! Ever since I got serious about financial wellness, I’ve been interested in investing and saving for the future. However, like most Americans, I felt like I could not afford to start investing. According to a 2019 Go… Read more
How to Save Your First $1,000 This Year
If you’ve already set financial goals for the year and saving was one of them, you’ll know that it can be difficult to reach that first $1,000 savings account balance. Life is unexpected and the last thing you want to do is be unprepared in the event that a financial emergency arises. Saving your first… Read more
6 Ways to Make More Time For Yourself
We’re all busy and this could put prioritizing rest and self-care pretty low on the priority list. Most of us work 8 hours per day, spend up to an hour commuting to work, and are also responsible for other tasks such as cleaning, making dinner, picking up kids, etc. Then, factor in the fact that… Read more