Do you have a budget? I know I don’t. While I’m pretty good about automating my finances to include debts and savings, I found it helpful to see where I could trim the fat on my spending. Being able to look at a snapshot of my monthly spending helped me see all the unnecessary expenditures I had. It allowed me to come up with saving goals and a plan to ensure I get my bills paid on time, have money saved for my future, and money to spend now on the things I want with no hesitation. Have you looked Read more [...]
Approximately 28 percent of adults in the United States have no emergency savings at all. They are vulnerable to an unexpected financial emergency and often get stuck turning to debt when disaster strikes. Having even a little bit saved can help mitigate potential issues. If you need to jumpstart your savings, a no-spend month can be a great way to do it. It encourages you to substantially cut back on your spending and set aside the cash you save for a rainy day.
How No-Spend February Works
Technically, Read more [...]
A mattress that passes a decade in age can become a vacuum of opportunity costs, eventually costing you more money than if you'd bought a new one -- even if it's an expensive model, it will still be cheap compared to most types of medical bills. Here are the kinds of health problems you'll have if you don't get a new mattress.
Old mattresses tend to lose their form or get the coils misshapen due to natural wear and tear. You either get poked in the back with the misshapen coils Read more [...]
With climate change sending temperatures higher and stretching summer weather well beyond the end of the season, it's never too late to consider whether to buy a fan or air conditioner to cool off. The decision ultimately hinges on a person's priorities.
Of course, fans usually cost less than air conditioning -- the price of the appliance runs about a digit higher, while the associated electric bills get even costlier.
However, you can find a used air conditioner for sale on Craigslist, eBay Read more [...]