Finding ways to reduce waste at home is an important, and easy, part of living a more frugal and meaningful life … and it can keep your garbage bills down. Does anyone else cringe when they pay the bill for garbage pick-up? It’s one of my least favorite bills since you don’t get anything fun …
Introducing the newest free money challenge from Balanced FI – the Money Makeover Challenge! This free year-long program is very easy and low-key. All you have to do is download the current month’s calendar and implement as many of the tips as you can work into your life. Most of the daily tasks will take …
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These first-time homebuyer tips will help your home buying journey follow a financially responsible path. Purchasing a home is a complex process with many steps, and it’s one of the biggest financial decisions you will ever make. Homeownership is a big part of the American dream, but it seems like a stretch these days. I’m …
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Who doesn’t want to head into the new year in a better financial position? There’s no magic wand to wave over your money, but this new year’s financial checklist is the perfect plan for making changes. 1. Make a spending plan The very first step of your new year financial checklist is to create a …
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Life insurance is a marker of financial adulthood, but it can be hard to know how much life insurance you should have. Your needs depend on your personal situation. Luckily, there are some guidelines to help you decide if you need life insurance and how much you need. What is life insurance anyway? Simply put, …
If you didn’t take advantage of Black Friday / Small Business Saturday / Cyber Monday sales, there is still plenty of time to find gifts that fit within your holiday budget. This list of cheap homemade gifts will help round out your shopping list, especially if you’re buying for children or their teachers, daycare providers, …
With the holidays coming up, who doesn’t need to make extra money for Christmas? Earning extra cash now will help you avoid putting gifts on a credit card, which you may not be able to pay off in the same billing cycle. That means you’ll be charged interest, making those gifts more expensive than you …
If you have someone in your life who has yelled “we have too much junk” while wildly throwing stuff into garbage bags, I’ve got 12 ideas for frugal gifts for minimalists. Minimalism is all about living with less so you can focus on what matters most. There are a lot of things that people think …
There are less than 60 days left in 2021. Now is the time to take action to improve your finances before the end of the year. Although winning the lottery would be the easiest way to change your money, that’s not happening any time soon. Instead, you need to take control of your money. Taking …
You know that adults should care about credit scores. You know that credit scores are a real thing. But do you know how to improve your credit score, or why your score matters? What is a credit score? A credit score is a numerical measure of how you’ve handled debt in the past. It gives …