We all need treats in life; it's important to enjoy experiences that will create lasting positive memories.
Today I will share how I do this -- and I hope that it will also work for you!
Step 1: Recognize your "needless" expenses
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How I Live on Less than $40,000 Annually: John from Maryland
The name is John Steiner and I live in Southern Maryland with my better half/muse/wife Abi. I'm 27 and Abi is 25; we've been married since December 2015 and have no kids.
I'm the CFO for the family, but Abi is the household CEO.
At the ...
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Save Extra Money at Amazon By Using This Simple Chrome Extension
Who doesn't like discounts? I know I do; I bet you do too. Unfortunately, there are literally millions of Internet discounts available every day that people aren't aware of because: 1) they don't know where to find them; or 2) they're unwilling to ...
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How to Plan a Vacation on a Tight Budget and Stick to It
Vacations can be the most relaxing and fun times of our lives, but planning them on a budget -- and then trying to stick to that budget -- can quickly turn any soothing get-away into a travel nightmare. So if you're looking to book your summer ...
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4 Small Expenses That Can Add Up to Become Big Budget Busters
There are more than a few people out there who think they've got their spending under control, and yet they can't seem to figure out why they're still spending more than they earn every month. In many cases, the answer is simply that many people ...
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4 Tips For Saving Money While Traveling The World
International travel is something most people never get to do. A flight overseas requires you to have discretionary money most people don't have, not to mention the available time to take off from work.
Then there's the expenses of the trip ...
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Caring for Aging Parents? These Minor Home Mods Make a Big Difference
The time will come when your parents are no longer able to care for themselves. Whether that is because of health issues or simply from aging, they'll need someone to support them on a regular basis.
Although some adult children decide that it is ...
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How to Get the Most for Your Money on a Gaming Vacation
We all go on vacations for a whole number of reasons. Some just like to get away from the daily grind, while others go on holiday for a specific purpose. Gaming vacations have become increasingly popular over the years, especially with places such as ...
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How I Live on Less than $40,000 Annually: Emily from Illinois
My name is Emily and I'm 27. My husband, Kirk, is 29 and we have a newborn son. We live in Springfield, Illinois.
I'm transitioning from full-time to part-time as an accountant and teaching a few violin students. My husband is a guitar teacher and ...
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8 Really Useful Money Saving Tips Every Family Should Consider
When you're raising a family, using your money wisely is important. While you want to enjoy time with your loved ones and provide your children with great experiences while they're growing up, you must also be mindful of your spending. With that in ...
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Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water
When you realize that half of a household's water usage occurs in the bathroom, and that greener versions of toilets and faucets -- like those found in new homes from green builders -- can save an average American family up to 11,000 gallons per ...
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How to Buy a Great Mattress Without Spending a Fortune
If you want to be as productive and healthy as you possibly can, you need to ensure that you get a good night's sleep; for most adults this is between seven and nine hours each night. You may not realize it, but if you want to make sure that you get ...
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7 Money-Saving Packing Tips for When You’re Moving Out
What does the process of moving out look like? Well ... it's a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home.
During this period, you may not even have the time to eat ...
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How Your Employer Is Stealing From You
Does anybody remember the Allentown woman who was sentenced to 57 months in prison for stealing $1.6 million from her employer over the course of an entire decade? Believe it or not, many employees misguidedly feel it's really no big deal to raid the ...
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A Simple Budgeting Plan for Those Who Struggle with Discipline
Len reminds us regularly of the power, importance and necessity of family budgeting; and budgeting is a staple in his top five tools for the successful household CEO.
This article is not meant to replace the critically important family budget. ...
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4 Smart Home Improvement Projects That Save Money in the Long Run
There are some things you can purchase or install in your home that will help save you money over the long run. Planning ahead for these opportunities can give you the best perspective on what will save you money in the future -- even if there is an ...
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How I Live on Less Than $40,000 Annually: Nick from Iowa
My name is Nick. I'm 25 years old and single with no kids. I work in radio, with a salary of $40,000. I also have side gigs that add an additional $5000 of income per year.
In 2014 I received my bachelor's degree in mass communication. After I ...
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7 Ways College Students Can Get Cash for Housing, Books and Tuition
College is expensive. It can be tough to keep up with tuition payments, room and board and textbook purchases; time is also at a premium.
So, how can you possibly find the extra cash to pay for all of these things?
Luckily, there are lots of ...
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6 Cheeky Ways Frugal People Save Money
Hands up if you love budgeting.
The odds are, most of you will be shaking your heads, rolling your eyes, or perhaps even thinking about moving on. Seriously, who wants to read any more crap about how to budget?
But wait!
We know you've heard ...
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100 Words On: Why Frugality Has Its Limits
The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...
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