While there are quite a few fun and frugal things you can do at home, there are times when you just need to get out of the house to see friends, catch a movie or just have a dinner that you didn’t have to cook yourself. Those occasional nights out don’t have to cost you an arm and leg, however, if you’re careful about your spending.
Every time I travel to Europe (especially outside of the big cities) I notice that the stress level tends to be much lower than what we have here in the US.
Yes, big city folks tend to always be on edge (think of the typical New Yorker), but I’ve found folks from New Hampshire to Michigan and from Florida to Missouri to posses as much stress, albeit at a different level, than the typical city dweller.
Medical expenses are one of the leading causes of bankruptcy proceedings in the US. In 2007, 57 million people were in families who had problems paying their medical bills according to this article by Peter J. Cunningham. However, there are ways to cope with the rising costs of medical care. I was born with Spina bifida in 1979, and I’ve had a lot of experience in the medical care “system”. I have a few tips to share with you, and by following them some of your burden will be lifted.
Have you ever kept money secrets from your spouse?
Do you have a bank account they don’t know about; maybe a credit card? What about little white lies such as the actual cost of something you bought?
Why do we keep money secrets from our spouses? What do you have to hide?
Here are some of my thoughts why we would keep a money secret:
What a wealth of culture and learning we have here in NYC!
The only thing holding us back from taking in all of the museums, gardens, zoos, and whatnot is time and money. We’ve been trying to make the time to take the kids out and do things with them whenever we can.
That leaves money!
It’s expensive taking a family out these days. Well, it was a most pleasant surprise to learn that Bank of America was extending it’s Museums on Us program. Not only did they extend it but they added museums and states that the program takes part in.
What is Museums on Us?
You know about your car insurance deductible? This is the amount you have to pay on an insurance claim before your insurance kicks in to pick up the repairs. Say you have a $500 deductible. You get into a fender bender and file a claim to have your bumper repaired. An estimate for the repairs is $1500. You have to pay $500 and insurance picks up the $1000. If your deductible were $1000 then you pay $1000 and insurance covers $500. Get it?
So why not make the deductible as low as possible?
Sounds reasonable. You would rather your insurance pay more and you pay less. Things is though, the lower your deductible the higher your premium is! You pay more on your plan when your deductible is low. This is the insurance company’s way of getting that extra cash layout back before an accident. The opposite is true too. The higher you make your deductible the lower your premium payments are.Continue Reading
Who hasn’t complained about money from time to time?
I’ve had my share of gripes over the years for sure! Some people follow up their gripes by doing something about it. They save and work hard so they can have a better life later on. They become the well to do.
Others are the not so well to do’s. They sacrifice their futures to live like kings and queens today, always with the latest “stuff” but at the same time complaining about money.
I’ve observed, over the years, that the not so well to do’s have some traits in common. The following list are my observations.
These items aren’t bad per se, but when you see a good number of these traits in a person there’s a good chance they too are one of the not so well to do (read: poor)!