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Are You Shopping at the Right Grocery Store? Four Steps to Save 20 Percent or More

Choosing the right grocery store can save you 20 percent or more on groceries before using coupons. If you were buying a big ticket item, such as a television or a new washer and dryer, you would do some research and shop around, right? Since food tends to be the biggest general family expense after housing, it just makes sense to do your research before you step foot in your grocery store. Just spending $225 a week on your groceries, adds up to almost $12,000 a year!Imagine shaving close to $2,400 off of that total food bill, doing nothing other … Continue reading →

Free Websites that Teach Your Kids about Money

Teaching kids about money, where it comes from, how to make it grow and how to use it responsibly is one of those things that many of us mean to get around to doing, but don’t often seem to complete. In fact, money lessons should never really come to an end. As society, the economy and technology changes, it is important for us all to keep up, and pass on the skills, knowledge and advice to our children. Fortunately, we don’t have to do this alone. There are a few really good websites out there that will help us teach … Continue reading →

How to Get More Fun for Your Money

You can be happy with less money. It all depends on how you use it and what it does for you. Apply your money in the ways that will make you happiest. Be purposeful in how you spend your cash, and your life will be enriched, even on the tightest budget. Choose Experiences Instead of Materials Experiences can be one of the best investments of your money. Long after the money is spent, you will look back on the time with many fond memories. Money that is used toward experiences generally leaves people feeling that it was absolutely worth it. … Continue reading →

Three Home Businesses that Can Get You Out of Debt

To speed up your debt recover, consider starting a home business. It can help you earn extra income that can be applied directly to paying off your debt. Best of all? Most home businesses can be done at home, on your terms, and take as much time as you want to spend. This makes home businesses ideal for retirees, stay at home moms, stay at home dads, and even students. In fact, any one can start a home business to get out of debt. When selecting a home business to pursue for the goal of getting out of debt, it … Continue reading →

The Best Frugal Treats

It is okay to indulge yourself a bit and still stay on budget. Here are some of the best ideas for frugal (read inexpensive) treats that will make you smile. Something for the Tastebuds Go ahead an purchase a small piece of an expensive chocolate, an exotic spice, a favorite take out item (such as an egg roll or the best fries in the world) or whatever will make your tastebuds sing. It will feel like an indulgence but costs much less than a dinner out. Something for the Senses Indulging your senses can feel like a luxury, and you … Continue reading →

Cleaning Things You Can’t See

It’s easy to get overwhelmed with spring cleaning, there’s so much to do, where to start? And when you are finished, is it really clean or does it just look clean? A few things that are often overlooked during spring cleaning can help your house actually be cleaner. You can see the baseboards but most of these things you can’t see so they don’t get done. Check for mold. Mold is such a huge health hazard that it is worth the time investment to search it out. Check the bathrooms and the basement, but also check the attic. Poor ventilation … Continue reading →

Cleaning Up After Your Pet

I just adopted a new dog. She is a mix of a bit of everything, about 50 pounds and the sweetest thing ever. I already have a dog, a shih tzu, so I wasn’t completely unprepared but the dogs are so different that I’ve had to make some adjustments. First, that pile of shoes by the door? It’s gotta go, she doesn’t chew shoes, so far but she will gnaw on any socks that are left out. My shih tzu doesn’t shed, she has hair instead of fur so she has to be groomed regularly, usually this means a trip … Continue reading →

Should You Refinance Your Home?

When interest rates go down, it can be very tempting to refinance. Sometimes this is a good idea, and sometimes it isn’t. Here is what you need to know to figure out if refinancing your home is in your best interests. The first thing you need to do is to calculate how much you would save by refinancing. What would your new mortgage payment be? You can start with this number, because you can use it to figure out the rest of the numbers. Let us say that in refinancing you will save $300 a month. That seems great, doesn’t … Continue reading →

Don’t Make These Mistakes

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There are many mistakes we can make with our finances. Here are a few traps you don’t want to get caught in. When thinking about investments a bad place to start is with something that has buzz but no history. Another bad investing idea is to pay too close attention to performance and sell out of emotion. The stock market ebbs and flows; we have to give it time to get there. Saving can seem like a difficult undertaking. If you’re living paycheck to paycheck, you may wonder where savings is supposed to come from. Not saving, however, is a … Continue reading →

Event Planning: Advertising Your Company

Once you have your basic business plan and supplies the next thing you want to think about is advertising. To be honest, I had an outline before I began the advertising process. I was convinced that getting my company’s name out there would be a process so I started as soon as I had my brand, logo, and a basic plan. I will talk about branding yourself and logos in a general sense next month. How do I Advertise? In the beginning of planning a business normally there is not a huge budget for supplies much less advertising. However, advertising … Continue reading →