Is It Worthwhile To Move To Save Costs?

Are you trying to cut costs?  Did you have a sudden drop in income?  Are you a college student trying to avoid student loans?

One of the most common suggestions personal finance authors make is to move to a cheaper location to save costs, but does it really save that muchHow long do you have to be in the new location to reap the rewards of moving?

My husband and I currently live in a spacious, 1,000 sq. foot, two bedroom apartment.  We live in an urban area and find our $1,000 a month rent competitive with the area.  We have not had a rent increase in two years, and most two bedroom apartments cost more than ours does.  I will use our current situation as the example for the purpose of this exercise.
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Fighting Fair: How to Disagree About Money in Marriage

Don't let money be a sore point in your marriage

Marriage can be hard enough some days. Throw money into the mix, and things can get downright ugly.  However, just as disagreements in other aspects of your married life don’t have to result in permanent rifts, disagreements over money don’t have to ruin your relationship.  As with all things in marriage, money issues need to be worked through. Here are some ideas for overcoming disagreements about money in marriage:

Know Thyself

One of the best things you can do is understand your relationship with money.  In order to articulate your position on money to your partner, you need to be able understand.  Think about why you spend (or save) money the way you do.  You should also come to grips with why you don’t like the way your spouse handles money, and determine whether or not your own preferences and money prejudices are coloring the situations.
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The Greatest Impact On My Finances And My Best Financial Tool

My wife keeps me afloat.

You can have your spreadsheets, online budgeting sites, statements, etc…  Want to know what the single greatest positive impact on my finances has been? I’ll tell you – it’s my wife.  Let me explain…

Back in the day I was in debt, had no savings, no investments, and my net worth was measured in “things” I owned (not like a house but more like guitars and music CD’s).  I wasn’t the picture of good financial health.

But I slowly worked my way out of my financial funk.  I educated myself.  I paid off my credit cards.  I contributed to my 401(k).  I started saving.

I did these things on my own.  Had I not met my wife I would have continued to improve my finances but not to the extent that they are at now.  My wife turbo-charged my finances, well, OUR finances.

Here’s why my wife is the greatest impact on my finances and my best financial tool: Continue Reading

I’m Sick Of Hearing It’s For The Kids

Child Holding Change

Ever run across someone that gives their children everything?

All the latest clothes, electronic gadgets, extracurricular activities, lavish weddings, education, you name it they have it.  And then you find out the parents are struggling to keep their heads above water financially.  Not “we’re just getting by.”  No.  I mean one month they don’t pay cable, another month they miss the electric bill; the rent gets paid late; always something and always “it’s for the kids!”

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Sell Your Crap – Interview And New eBook From Adam Of Man Vs Debt

Sell Your Crap by Adam Baker

I was excited to hear that Adam of Man Vs Debt was working on a new eBook.  I was even more excited to see the finished product – Sell Your Crap: Turn Your Clutter Into Cash.
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Organic Food Is Not Expensive

Red and Green Apple

In a previous article I talked about small steps to eat healthier.

Well, a study is out showing a possible link between certain pesticides and ADHD.  The survey studied over 1,100 children between the ages of 8 and 15.  Interviews with the parents determined which children had ADHD.

The findings then found that for those kids with the most frequent pesticide found in their urine samples, 20% had ADHD as opposed to 10% in kids with no trace amounts.

So I ask you this: Is eating organic food really expensive?

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Eating Healthy One Step At A Time

An Apple A Day

I think most people want to eat healthy.

But for many it’s too tough to start (especially eating healthy on a budget).  We get into eating habits, that aren’t great, and its just too much to give them up and change our lifestyles.

So what do we do?  We don’t bother; it’s too hard.

Does this help a person?

Nope.  Does this sound like anything else we don’t take care of because its too hard?  Yup, personal finance!  So what’s the answer to eating healthy?  Just like your personal finances, you can start with baby steps and move from there.  Make small changes to your habits, little by little, and build up over time.
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