This is a guest post from Anum Yoon. I think you'll like her suggestions on ways to make your daily commute actually benefit your finances. I love that these ideas work for students as well as for people going to jobs. Note that two of these ideas work only when you are not driving (a benefit of taking public transit). You can still use them … [Read more...]
Your Money Kit: A Notebook and a Can!
You Can Take Control of Your Money with a Just a Notebook and a Can! Read on for this simple way to get what you want with the least pain and how to get guilt-free splurge money! Watch Out for These Spending Traps Do you save so you can splurge? I have done that. It feels like a game that you have mastered. You keep expenses as … [Read more...]
February Blog Round-Up, Leap Year Edition
Is Spring really coming? Let's hope so! Here are some great reads from around the web that I hope you will enjoy, no matter what the weather. 1. Money Cone challenges advice common on personal finance blogs in Unconventional Wisdom in Personal Finance. I agree with most of the points.2. Money Ning shares some great ways to enjoy Gourmet … [Read more...]
When Is It Worth It to Refinance?
It's not always a clear answer. How long you plan to stay in the house is one of the factors. Here is a good article that shows how a refi would work. There are useful links in the article to calculators to help you find your answer. You can also find the latest refi rates at bankrate for your state. I've used bankrate many times over the … [Read more...]
How Much Money Should You Have in an Emergency Fund?
Wow, 50% of Americans say they do not have an emergency fund to cover a $2000 expense such as an unexpected bill for car repair, home repair, a medical emergency, or legal expenses. Of course no one can predict those bills, that's why a person has an emergency fund. Yet cars do break down, roofs leak, and neighbors can sue. Many who declare … [Read more...]
Financial Tuneup Checklist To Print Out
I'm reposting this list because it's a great place to start improving your finances. Pick one to do each week or weekend to really make a difference. This list is pretty cool because you can print it out & take any one of the items & do it when you have time. As you check off what you've done (I'd date each item too, in case some of them need to … [Read more...]
Managing Financially Awkward Situations
You are asked to go someplace you can't afford. You are asked to be in a wedding & you can't afford it. You know the situations. We all do. What to do? You can say no. You can say the budget is tight right now. You can say you are saving up for something this month. You can suggest an alternative. Just don't continually wreck the budget by … [Read more...]