How and Why We Rationalize Spending

Millions of Americans find themselves in credit card debt, and many of them complain that they don’t know how the debt got so unmanageable.

While there may be reasons for accruing debt such as a medical ailment or job loss, often it is just the result of poor judgement and overspending.

Yet many people rationalize their spending and do not see themselves as the problem.

How We Rationalize Spending

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Our Switch To Netflix – Review

Netflix

A few years ago my wife complained about our cable bill.

“This is a ridiculous amount to pay every month” she said.

We had a premium cable channel on our plan but we weren’t even watching most of the movies or shows it provided.  And the movies it did show played over and over without much variety.

I thought about it and it was ridiculous.

So what to do?

We wanted to be able to watch recent movies without having to pay per movie or leave the house to pick something up. 

Enter Netflix!
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How to Survive College Without a Car

Going to college has its challenges.  You are forced to adapt to a new environment, meet new friends, study countless hours and much more.  These difficulties are only made worse by financial hardship.  If you have already graduated from college, try to think of another time in your life where you have paid tens of thousands of dollars in expenses with little or no income.  I bet you can’t think of another time.  The truth is that getting through college without any debt is a very difficult task.  Trying to keep your student loans to a minimum is made possible by finding ways to reduce spending and cut costs.  One of the best ways to reduce your expenses in college is to get rid of your car.  In fact, some universities (because of limited parking) do not allow underclassmen to bring cars to college.  If you are one of those select few that has a choice whether or not to bring a car, here are some reasons to leave that car at home (or even sell it). Continue Reading

Pay Off Debt or Save? That is the Question

If you’re a typical American, you probably have some sort of consumer debt and are actively saving your money either in stocks or in a general savings account.  Unfortunately, those two things don’t go hand in hand.  Deciding to pay off debt or boost you savings is a tough choice.  The best decision for you might not work well for someone else.  It is entirely dependent on where you are at financially.  Let’s dig deeper and take a look at some of the positives of each scenario: Continue Reading

Popular Honeymoon Spots on the Cheap

Big spending has dropped in popularity since the 2008 financial crisis.  The era of glamorous weddings and honeymoons appears to be over.  Engaged couples and newlyweds are downsizing to more affordable scenarios.  More couples are choosing to emphasize the emotional and conjugal aspects of marriage instead of focusing on “bling.”

Honeymoons have shifted from exotic, romantic locations to places that, while still beautiful and romantic, do not cost so much to travel to them.  Affordable honeymoon locations are more popular than ever.  Many of them serve their patrons well.  Couples can start a life together just as well if they stick to a budget when planning the trip.  Here are the top five most popular,cheap honeymoon locations. Continue Reading

5 Must Follow Home Energy Savings Tips for Summer

Everyone can take a few key steps to lower the amount of energy they use in their home. While you are reducing your carbon footprint, you will also be reducing your monthly utility bills.  Check out these five home energy savings tips for summer that are a win-win for everyone.

Replace those old air filters!

It may seem like a no-brainer, but many people overlook the main air filter on their air conditioner.  When the air filter is dirty, the unit has to work much harder to push the air through the dust and dirt.  Unfortunately, air filters are not quite as cheap as weather stripping.  If you want to avoid this cost, simply clean the filter regularly yourself.  It is recommended that this be done every three to four months to keep it from getting to the point of no return.  A good way to remember is to perform the routine cleaning on the first day of each season.Continue Reading

8 Road Trip Money Saving Tips

road trip

I like a good staycation as much as the next person, but sometimes what I really want is a good, old-fashioned road trip.

Getting out on the open road, heading for adventure, is one of my favorite ways to travel.  I rarely get tired of seeing new places and things.  However, a road trip can get expensive.  With planning, though, you can save some money on your next road trip.

Here are 8 road trip money saving tips to help you get the most for your road trip dollar:

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