Author Archives: Sarah Li Cain

Are Your New Years Resolutions Too Expensive?

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Have you made your financial New Year’s resolutions yet? If you haven’t, you’re probably thinking about them. Even though making New Year’s resolutions can sound like a good idea, some of the ones that you make can end up costing you more than you think. Sure, making certain resolutions can really help propel you towards a great financial future like paying down your debt, but making resolutions can actually cost you more than you initially realize. And it’ll probably cost Read more [...]

Get Free Shipping at ThredUp – The Ultimate Clothing Resale Store

By Posted in Frugal Living, Personal Finances, Strategic Shopping Leave a comment
If you can’t stop buying clothes (as long as you budgeted for it right?), you can still look stylish by buying used clothes. One such place is an online consignment store called ThredUp. In fact you can get free shipping at ThredUp! So yes, you can browse at what can equate to a garage sale (or ebay, but much better) online in your pajamas. How cool is that? Yes, But Is It Legit? In a nutshell, yes. Not only have I found great deals on there, but friends of mine have too. I needed a few Read more [...]

Snagshout Review: Is This Discount Site a Scam?

By Posted in Frugal Living, Personal Finances, Strategic Shopping Leave a comment
Want to save even more money on Amazon? Have you tried a website called Snagshout? It’s a place where you can get free or major discounts on products off Amazon. Yeah, this sounds like a scam, doesn’t it? Rest assured, this isn’t one. This Snagshout review will walk you through step-by-step what it is, how to use it, and if it’s the right place to shop for you. What is Snagshout and How Does it Work? Simply put, Snagshout is a website that features websites from retailers that Read more [...]

Which Online Savings Account Should You Choose? An iGoBanking Review

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  iGoBanking is an online bank that offers account owners high interest rates on online savings accounts, CDs and money markets. They are the online division of Flushing Bank in New York (FDIC insured) and allows people to open and fund accounts online. This iGoBanking review will cover the features of each account, the pros and cons of opening one, and how to decide if this is the right option for you. Types of iGoBanking Accounts Savings Accounts iGoBanking requires no minimums Read more [...]

A New Twist on the 365 Money Challenge

By Posted in Personal Finances, Staples How To 1 Comment
I dare you to save a few thousand in a year. Think it can’t be done? Yeah, when you think about how much money that is, it does seem a bit scary. But it can be done. Creating a challenge to save money can not only be fun, but it’ll definitely help you reach those financial goals a lot sooner! Enter the 365 Money Challenge. The idea is simple: set aside a small amount of money every day for 365 days and watch the savings grow. There’s also another component to it: you have to double Read more [...]

What is the Mega Backdoor Roth and Why Should You Care?

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Want some extra money in your Roth IRA? It’s called the Mega Backdoor Roth. This strategy can help you avoid taxes and earn even more than the maximum you can put into a Roth IRA annually. Another advantage is that not only do you have an asset and tax protected space, you can have more tax diversification during retirement. That means you can you can determine a tax rate by basically deciding how much you want to take from your Roth or tax-deferred accounts. So How I Do This? Now, before Read more [...]

What is a Personal Finance Ratio and Why Should You Care?

By Posted in Personal Finances, Staples How To 2 Comments
Do you really know if you are financially healthy? Look, even though you may have a pretty decent budget, better spending habits, or even a really solid plan to pay down your debt, you still need to know your personal finance ratios. What are they exactly? Well, financial ratios are really important in determining aspects of your personal finance, like your credit rating all the way to how much money you can actually spend. Think about it as a way to not only identify your net worth Read more [...]

Super Easy Ways to Find Money You Didn’t Know Existed

By Posted in Personal Finances, Staples How To 1 Comment
Wouldn’t it be cool to find random money that’s yours to keep? No, it’s not a scam and the money is real. There are no gimmicks or tricks involved. In most cases, it’s as easy as typing your name and address online. The magic of technology will do all the work for you, and you don’t even have to pay a fee to do so. So what’s the catch? None. It’s technically money you have but didn’t know existed. Try to think back as far as you can of all the different investments, bank Read more [...]

4 Great Browser Extensions to Help Curb Your Spending

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No matter what time of year it is, online shopping can be addictive. Add at certain times of the year like Black Friday or going back to school sales, there are so many sales out there that it might be hard to curb your spending. Even though you may get a great deal, it’s not worth blowing your budget or worse yet, going into debt over it. And no matter how good you think you are at curbing your spending, it’s pretty stressful when temptation strikes. So why don’t you do yourself Read more [...]

4 Apps That Make Couponing Easier

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  You don’t need big binders or spend ours couponing to maximize our savings at stores. Believe it or not there, are ways that can make couponing easier. Enter coupon ads. They’re so easy to use it’s pretty much a no-brainer that you at least try some of them out. In fact, some of these apps automate some tasks for you so they not only save you time, but money as well. That being said, there might be some that are worth your while more than others. Some will have tons of items Read more [...]