As we enter September, it’s time to come to terms with the fact that Summer is over and Winter is only a few months away from us, so it’s time to get ready for the Sun to disappear, the weather to turn bad and for it to be absolutely freezing for the foreseeable future.  Now everything we can deal with, but the cold weather is really bad, not only do we have to put up with it being a frozen hellscape outside, we also need to put up with our heating bills going through the roof for the next few months. So to help counter the inevitable rising bills, we’ve…

If you are like myself, you are probably finding as many ways as possible to save extra funds to add to your rainy day emergency fund. 2020 has been a challenging year for sure and finding ways to save a few bucks here and there can be tough, which is why I decided to share 13 small budgeting tips that will help Millennials, Gen Zer’s or anyone honestly… to save money. Let’s take a look at different areas that will help you to cut some corners and save some dough. Stop Eating Out & Cook More At Home Eating out or ordering takeout is super convenient, especially after a long…

Finding ways to live on low income is challenging on the best of days, and is something that millions of Americans are faced with. Having to juggle bill payments, expenses, and the never-ending rise in the cost of living is both stressful and challenging. But what happens when you suddenly run into a cash flow crisis while trying to get by on a low income? How can you get the help you need and get past this rough patch? While you are certainly feeling a lot of stress in the moment, it is important to weed through that and look for ways to deal with this cash flow crisis. With that in…

Saving money is good and we should all do it as much as possible. This is what we’re told by everyone; friends, family, businesses, banks, and others who all have the same message—saving money is important and needs to be part of everyday life.  Yet the question that some people might want to ask is: Why? Why is saving money a good idea? What difference will it make and how will it affect your life? There are a number of reasons why saving money is a good idea and why you should be doing it, and here are just a few to remind you that what you are doing is…

Even in the age of disposable income, there are times when we find ourselves wishing that we had a bit of extra cash to spare. Although you might think that you have to give up luxuries to save money, this is not always the case. Decreasing the cost of bills around the home is the simplest way to save extra, and there are many effective ways to do this with minimal effort and without depriving yourself of that new necklace or your favorite subscription service. Electricity Saving money on electricity comes down to a few simple tips. It might sound obvious, but turn off lights when you leave a room…

I am super excited to be a Scentsy Consultant and love spreading the word about Scentsy as they create amazing products that will fill your life with fragrance while at home and on the go. I am also about the savviest deals available for the many things I love which is why I had to share The Scentsy Club with everyone that I know as it is the perfect way to ensure that you never run out of your Scentsy essentials and favorites all while saving some dough.  I love this and love the added savings built into the program. Orders of $30 or more receive a 10% discount and…

Saving cash every day must not be a numbers game! You can achieve it with the right planning plus self-discipline. To guarantee your future financially, make saving a top priority every day rather than putting off the habit before achieving specific goals like that next increase. Usually, the most challenging aspect of saving money is on how to get started. The following guidelines on how to save money and spend less will help you make an easy and effective strategy, so you’re able to save for your short- and long-term savings targets. Have a good savings plan. Starting early and save regularly is the key to saving success. Have a…

Financial literacy is being able to comprehend and apply effectively various financial skills. These skills include property management, financial management investment and budgeting. Business knowledge helps one to be stable and self-sufficient. How does knowing your finances help you to acquire loans for renovating your home? Also, find out different financing options you can get for your home renovation. In general, financial literacy involves savings, planning and management. Lack of information about your finances may lead to many wrong decisions, which may plunge you into a financial crisis.  Renovation loans Renovations loans help you increase the value of your property by essential points depending on the current market value for…

Decorating your home on a tight budget can be challenging as many believe you need of brand new furniture and wall paint. However, by changing just a few simple elements in every room, you can create the illusion of an entirely new decorated room. In this article, we will be providing you with some tips on how to decorate your home on a shoestring budget. Re-position The Furniture That You Have  If you are shopping on a really tight budget, you may not have the funds that you need to buy brand new furniture. Therefore, making the most out of the furniture that you have and redesigning the room is…

There is nothing I love more than taking the time to capture priceless memories with an amazing camera, especially when you can find savvy deals that help you to find the camera of your dreams. Seriously…. our trips to the state park and hiking, to trips to the city and beach and more…. the photos that we take truly provide us with a memory that we can relive when we stroll through a photo album at any given time. This is why investing in a fabulous camera is so very important. Depending on what you are in need of using your camera for…. there are various price ranges in which you can find the…

People regularly shop for cars, new and used, particularly when they believe that deals are available. At the same time, not all car deals are equal. If you consider yourself to be a savvy shopper, stick around. You will find out how you can get the best deal on new cars, used autos, and save on auto financing. Deals are also available to car buyers, whether you go to a dealership or deal with a private seller. Reviewing Your Credit  If you can, make sure that you have a good handle on your credit ahead of going in to shop for a car. First, knowing what your credit score is will…