Want to take a family vacation, but worried about the costs? A stay-at-home vacation (“Staycation”) can be a fun and money-saving alternative to dealing with that thrilling extra security search at the airport, or packing everyone in the family roadster for a less-than-scenic drive to your destination. (“Are we there yet? Are we there yet?”)
Does your credit score need help? Don‘t look for quick fixes. Set up a realistic budget that will help you repair your credit score over time. Consider these six ways that a budget can raise your credit score and keep it high. 1. Paying Bills On Time – On-time payments are the most critical
Statewide restrictions are easing, and businesses are slowly reopening across the country, but consumers are still experiencing a lot of financial anxiety about the impact of the coronavirus outbreak on their income and budgets. In fact, a survey by LendEDU found that 63% of poll participants were concerned about running out of money and 51%
By Andrea Woroch The first round of stimulus checks was sent out to millions of Americans across the country, with $218.4 billion paid out so far in an effort to ease the financial strain caused by the coronavirus outbreak. Although these payments provide some relief, using the money wisely is crucial in creating more financial
Your bathroom can be functional without being boring, without spending thousands of dollars or hosting an HGTV makeover show to spruce it up. (Most of us are terrified at the thought of our friends spending significant time in our bathrooms, much less letting all of America critique it.) Flea markets, dollar stores, and other discount
Cell phone bills form a large portion of one’s monthly budget. According to a study done by J.D. Power and Associates, the average family in the United States spent approximately $157 on their cell phone bill each month in 2017, or $1,884 throughout the year. That is a big chunk of change to spend, which
The old phrase “you get what you pay for” really does ring true in some cases. There are some cases where quality is far more important than price. Would you consider discount brain surgery? Probably not… and if you would, we suspect it might be repeat business. Medicine warrants a whole category of areas where
By Andrea Woroch More people than ever are feeling the pinch in their budget as the coronavirus threatens lives and our ability to earn a living. For many, however, now is the time to get creative and seek new opportunities to make money. Even if you haven’t experienced any disruption in income, supplementing your income
Nature comes alive in springtime and we all want to take advantage of the warmer weather. However, some of our finances may still be recovering from our holiday spending, making a spring break seem like a pipe dream. Here are five ways to take a vacation without breaking the bank. 1. Take a road trip.
You would love to embark on a home improvement project that will spruce up your property and improve its resale value at the same time, but you only have $1,000 in the budget. What sort of projects can give you the best return on your investment (ROI)? We have five options below for your consideration.
MoneyTips By Andrea Woroch Every year, countless people throughout the country dream up personal finance-related New Year’s Resolutions. Most of the goals are centered around saving more money, whether it’s by earning more or spending less. Some folks have trips they want to take or projects they need to cross off their to-do list, while
Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there? This is a great time to look further ahead and tackle your 2020 budget. Lay out your calendar, spreadsheet, or whatever method you use and
Christmas Shipping Can Still Be Free Are you a procrastinator who hasn’t started your holiday shopping yet? If not, are you still hunting for deals even after Black Friday, Small Business Saturday, Cyber Monday and Green Monday? In any case, you still want to take advantage of online bargains and free shipping offers. You’re in
You’ve overspent during past holiday seasons, but you’re determined not to let it happen this year. What’s your plan to prevent painful post-holiday bills? A study from Elevate’s Center for the New Middle Class (CNMC) may be able to help. The study focused on holiday spending behavior and how it varies depending on credit scores.
MoneyTips Do you like the idea of good deals but not the idea of standing outside the mall in a three-point stance waiting for the doors to open for pre-dawn Black Friday savings? Then Cyber Monday, which will be held on December 2nd, 2019 — the Monday following the Thanksgiving holiday — is for you.
What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
Thanksgiving is a time to relax and enjoy a nice dinner with your loved ones. You don’t want to spend it stressing over the Thanksgiving budget; you want to spend it having an enjoyable day with friends and relatives, and relaxing on the couch with a tryptophan-induced nap. Try these tips to save dollars on
Imagine an online offer for a restaurant chain that is so tempting it sells out in one second. That actually happened with the return of the Olive Garden’s Never Ending Pasta Pass. The original Never Ending Pasta Pass in 2014 was so popular that it crashed Olive Garden’s website, and the passes sold out within
Does your family celebrate Amazon Prime Day? Over half of Amazon customers are estimated to be members of Amazon Prime, a staggering figure. Prime Day 2018 was the biggest shopping day of the year, exceeding even Black Friday and Cyber Monday, with 89 million visitors logging on and over 100 million products sold. Prime Day
Mistakes are part of the human condition; it’s impossible to avoid them 100% of the time. But financial mistakes are in a class all their own — they tend to have a snowball effect and get worse over time. A seemingly small money mistake in your twenties can have outsized consequences in your thirties, forties,
Do as I say, not as I do. Do you ever fall into that trap? New research from Debt.com suggests that you might have that attitude when it comes to budgets. Debt.com recently surveyed the budgeting habits and attitudes of Americans and found a wide discrepancy in following through on budgeting beliefs. A huge majority
Never mind what’s in your wallet – what’s in your savings account? A savings account is your buffer against unexpected expenses. Without sufficient savings, you’ll probably rely on credit to handle financial setbacks – exposing you to interest charges at best and a potential debt spiral at worst. According to a new study from ValuePenguin,
What will you do with your tax refund? We hope you have something fun in mind, but a new survey suggests that you might use it to pay bills instead. The Center for Financial Services Innovation (CFSI) recently released baseline survey results for their U.S. Financial Health Pulse, a study designed to assess and track
Valentine’s Day may be one of the few times per year that you go out and buy fresh flowers, but that is no excuse for rookie mistakes. The gift of flowers is a reminder that you are thinking of someone and February 14 is an excellent opportunity to send this message. Make that gesture count
Did Santa bring you more gift cards this holiday season? Do you have a pile of partially used gift cards with small remaining balances? You can redeem them as part of a larger balance, but if you don’t regularly shop at that merchant, that may not be practical. Many consumers forget about partially
By Andrea Woroch There’s nothing more rewarding than starting your own business. Opening the front door of a shop for the first time, launching a new product or watching your problem-solving solution take flight can be life altering. However, regardless of your business idea or efficiency of execution, there’s one certainty – it won’t be
Santa was not so kind to your friends and relatives this year, so you felt the need to fill the gap. You overspent on holiday gifts, and now you are stuck with a significant amount of holiday debt. Gratitude from gift recipients is a great feeling, but gratitude is not going to pay off your
Does your wallet take a bigger hit during the holiday season? If so, you aren’t alone. According to a recent study by LendingTree, more consumers fall behind on their bills in December than in any other month. LendingTree reviewed anonymized credit report data from October 2017 through September 2018 and broke down the percentages of
Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there? This is a great time to look further ahead and tackle your 2019 budget. Lay out your calendar, spreadsheet, or whatever method you use and
The holidays are upon us. For those of us feeling a financial pinch, this can be a time of stress and worry rather than one of happiness and caring. We hope that this article will remind you how to do more with less and how to stick to a budget for gift-giving. As for the