When you’re short on money, an extra couple hundred dollars in your bank account feels like a dream. Thankfully, there are many ways to turn that dream into a reality…and fast! Take a look at these ways to earn extra money this month.
When you’re struggling to handle your money and stressed about paying the bills, good financial management can seem out of reach. But did you know that your finances can actually improve with just a bit of ongoing effort and diligence? Just like improving your tennis swing or your piano playing, you can develop smart money practices with some practice each day too.
With the new year here, you might be motivated to improve your financial situation. Last year I had some serious plans to do the same come January 1st. I was going to plan my meals, cut back on eating out, put more money into savings, and so forth. I’m happy to say that I made some improvements in a few areas, although it’s overall still a work in progress.
2019 is on the horizon. There’s nothing like a new year to get people excited about change, challenges, and goals. One popular goal is to save more money. It can be really tough to save money. You have necessary expenses like housing and food and sometimes unexpected ones like medical care or a car problem. Or you might just enjoy spending money. Whatever your reasons for spending, you know it’s a good idea to save and you’re motivated to do it now.
Christmas is a little more than two months away. Can you believe it? For some people, the thought of Christmas coming so soon brings anxiety. In a perfect world, we’d save all year round to cover Christmas expenses. But that’s not realistic for most people, including me. The last thing you need on top of work deadlines, family visits, and Christmas shopping is debt from the expenses of the season.
November is just around the corner. The holidays are coming quickly and spending can easily creep up with them leading to a busted budget. I’m not immune to extra spending either. It’s sometimes a struggle to stay frugal. I love saving money, but November is full of temptations.
Several years ago, I was pretty inexperienced when it came to managing my money. It took some cluelessness about enrolling in the 401(k) at my first job for me to realize I needed to start learning what to do with my money.
How are you managing your money? Are you a financial wiz? Are you trying your best to save as much money as you can? Life can throw many curve balls without warning. How do we know if we’ve handled different financial situations to the best of our ability? To answer this question, take this quiz.
What if I told you there’s an easy and legal way to get more money from your company, actually, free money? You might laugh and tell me there’s no such thing. Money doesn’t grow on trees! But it’s true.
I know you hear it at the start of every year: you need a budget! The nagging gets tiring, even if you know or think you need one. Budgets have a bad connotation. They’re restrictive, inflexible, complicated, time-consuming, and difficult to keep. They don’t allow for any fun. And how are you supposed to know what will come up in the future? Your income and expenses may fluctuate.
Is one of your goals to spend less and save more this year? That’s definitely one of my goals. Did you know that even just a few years ago, one of the hardest things for me to do was cut back on my spending? I mean unnecessary spending of any sort. You know, shopping as a hobby, a pastime, a salve, a stress reliever, a fun get-together, a pick-me-up, an emotional crutch, or an impulsive behavior.
During one March a few years ago, I didn’t spend any money on fun and entertainment. I have an entertainment category in my budget, but I just happened not to dip into it. When I reviewed my budget at the end of the month, I was so happy with my lack of spending that I committed to keeping it going. You can already see where this is going, huh?
Have you heard of Rich Dad Poor Dad? If you’ve read some financial books or even read lists of must-read financial books, then you probably have. The book is a best seller. It’s been reviewed hundreds of times. It’s considered a staple in the financial literacy canon. So what can I add? Well, I’m going to take an unpopular stance
What would you do if your fiancé came to you a month before your wedding and revealed that he had $370k of debt?Sadly, this is a true story. I was browsing the boards of a wedding website a few months ago when I read this post. The woman’s fiancé told her about his $370k of debt only about a month and a half before their wedding.
Several years ago, I realized that I didn’t know enough about how to manage my money. I budgeted and put money in my 401(k), but I knew that there was still so much out there I didn’t know. I visited the library one day and browsed the section on personal finance books. I picked out a few I thought were introductory level, took them home, and started reading.
If there ever were a time to feel like spending money, it may be with the arrival of your first paycheck. Now that it’s July, graduation season has just finished. If you’re a lucky new grad, you have a job lined up or one on the horizon. And with that new job and those first few paychecks may come the urge to spend on what you couldn’t afford before.
Given the non-stop political coverage in the US right now about immigrants’ and other groups’ rights, I’ve been thinking a lot about women’s rights and women’s issues lately. Even more so when I recently read an article that half of women married or in relationships have a “Plan B” man ready to call if their current relationship doesn’t work out.
If you ever wanted to learn how the wealthy become wealthy, this book may give you the best answers you’ll ever get. Thomas J. Stanley and William D. Danko, authors of The Millionaire Next Door, spent twenty years researching how people become wealthy.
Last month, I wrote about how I used to have such a hard time budgeting. I know I’m not the only one out there who has felt that budgeting is frustrating, tedious, and sometimes downright depressing. That improved once I got a good budgeting system in place and stuck with it.
With Valentine’s Day around the corner, it’s easy to get wrapped up in that lovely-dovey feeling. But likely not every moment with your loved one is full of bliss, right? Believe it or not, finances are the number one source of relationship stress.
Earlier this week I posted about the 50/20/30 budgeting method complete with free budgeting calculator. If you calculated your percentages and decided that your spending and savings numbers are not what you want them to be, don’t worry. You’re in the same boat as many other people, but you have the awareness and motivation to change that.
I remember back a few years ago when I started my new job and decided to create a new budget using an Excel spreadsheet. I thought that there must be a better way than what I was doing. I was estimating amounts for each of my budget categories and then trying to track everything in and out month after month. Not fun! So I started researching budgeting methods and I came across one called the 50/20/30 budget.
With 2017 in sight, now is the perfect time to get personal finances in order and start the new year off right. A great place to start is to figure out your personal finance numbers. But with so many numbers and terms out there, it’s easy to get lost trying to figure out what you really need to know. What numbers are the most important? Here’s are 6 numbers to know to help you get started.
We’re already into the third week of November and the holiday season is in full swing. While the holidays can fill us with joy from singing carols to drinking hot chocolate, they also fill many with stress from excessive holiday spending.
What do you think of when you hear the word “budget”? The thought of being on a budget is probably as cringe-worthy as hearing nails on a chalkboard. Believe me, I know how un-fun keeping a budget can be. I tried to keep one several times before I managed to find a system I like and stick with it.
Earlier this year, I received a jury summons, the first I've received in several years. In the past, I had been in school and easily postponed my jury duty until school holidays. My only experience has been sitting in the waiting room for a few hours and then being excused. Easy peasy. Now that I'm working full-time, it's another matter. My employer let me have my legally required time off on the afternoon I had to report to the courthouse. What I wasn't prepared for was the jury selection process and the prospect of a two-month trial! Yes, two months!