Free Newsletter to Keep you Free From Broke!Name: Email: We respect your email privacyPowered by AWeber email marketing

You Have Power In Your Wallet – Vote With Your Dollars: Change Businesses Based on Your Purchases

vote_with_your_dollars

After the recent governmental shut down, you may be feeling increasingly frustrated with our government. 

You may feel that you have no voice in politics and economic decisions.  Of course, you have the right to vote, but much of what the government does is largely out of your hands.

However, you can still take a stand and make your voice heard by voting with your dollars. 

Every day that you spend money, you’re making a choice and choosing one company over another, one product over another.

How you spend money is your voice, your vote.

Due to the economic law of supply and demand, if enough people show that they want better or different items, manufacturers will take notice.

For instance, “Making your next car a hybrid shows the automobile industry that you want more eco-friendly, fuel efficient vehicles, which in turn forces them to produce more.  Buying organic foods show that you care about our groundwater and the chemicals you are consuming.  Using reusable grocery bags demonstrates that you don’t want millions of plastic bags ending up in our oceans and landfills.  Buying products from corporations who are using methods to improve their environmental footprint helps their bottom line which shows their competition this is something important and forces everyone in their industry to raise the bar” (AG Beat).

How Are You Voting With Your Dollars?

Continue Reading

Groupon American Apparel National Deal – Double Your Money, November 2013

cash-money

You’ve heard me talk about Groupon before.

reviewed Groupon a while back.  They were the first big online deals site where you purchase a limited-time offer.  Many times, like for this deal, you get to double your money for purchases.

Truth is I don’t usually mention deals here on Free From Broke, but this deal is quite popular every year and Groupon is running it again this year.

I don’t want you to miss out.

Here’s today’s deal:

American Apparel – Groupon Deal

$20 for $40 worth of clothing and accessories from American Apparel Online and In-Store (you pick whether online or in-store).

or

$40 for $80 worth of clothing and accessories from American Apparel Online and In-Store.

I like deals like this where you double your money!  It comes just in time for the holidays in case you’re looking the grab some gifts for friends.  Of course you can treat yourself as well.

Groupon deals tend to be for local stores and activities but occasionally they roll out a national deal.  This particular deal is limited to one per person, for U.S. residents only.  You can buy an additional Groupon as a gift.
Continue Reading

These 6 Behavioral Finance Mistakes May Be Ruining Your Finances!

behavioral_finance

Behavioral finance is the study of how our behaviors affect our finances.

In many ways, the way that we see the world, and our reactions to what is happening around us, define our finances.

We might not even realize how our biases affect our finances.

The first step to overcoming biases in your life, especially if they are psychological, is to acknowledge them.  You need to be aware of what is holding you back.

Once you recognize the reasons for your difficulties, it will be easier to address them — and to come out ahead with your finances.

Here are 6 behavioral finance mistakes that might be holding you back:

Continue Reading

Where to Educate Yourself for Free Online – You Don’t Need to Spend to Learn

Where to learn online for free.

With the average cost of a college education increasing 12 fold in the last 30 years (Huffington Post), some are deciding it’s not worth the expense and simply shunning the college experience.

For those who do want to attend, college is beginning to feel more and more out of reach.

In fact, “Bloomberg reports that the rate of increase in college costs has been ‘four times faster than the increase in the consumer price index’” (Huffington Post).

But if you shun attending a traditional college, all is not lost.  There are plenty of ways to get your education for free, thanks to the Internet.

Eight Places to Get a Free Education Online

Continue Reading

My Adventures At FinCon ’13 – Upping Your Game Through Professional Development

fincon_banner

You want a better, more fulfilling career, right?

For some people that’s a whole lot more like a new job, better pay, appreciation… you get the picture.

For others they just want to make sure they are giving their job everything they can so they can be the best at what they do.  And by job I don’t mean you have to be working for someone else, this could very well be your own business.  (Though really, you are always working for someone else – the customer).

Who doesn’t want more in their career then, right?

But how do you get it?  Not by sitting back and hoping it just happens.  And let’s face the grim truth — if you aren’t getting better at what you do there’s someone out there that is.  You have to always keep learning.  Excelsior!

You need to up your game.

Go out and learn what you can about your field.  Improve those skills that will help you do your job better.

Develop yourself professionally.

This can mean a lot of things.  Maybe you take an advanced class in Excel.  Perhaps you join Toastmasters so you can do better presentations.  It could mean poring through the latest periodicals in your field.

Another option is attending professional conferences.  This is what I did Oct. 17-20.

FinCon ’13 – Where Bloggers and Personal Finance Meet

Continue Reading

Government Shutdown Ends While Healthcare.gov Woes Continue and More

The government shutdown has ended, the debt ceiling catastrophe narrowly avoided, and the can firmly kicked down the road by about three months.

Yet the woes of the Healthcare.gov website continue on.

The government has dropped over $400 million on the website and associated processes.

$400 million.

And yet a relatively small percentage of people have been able to sign up.  Those that have signed up have had their information sent to the wrong insurance company or had to have their policies manually adjusted (which eliminates the benefit of the website).

To top it off… despite having spent $400 million on the mostly non-functional website, the government is going to be sued for licensing infringement. The site uses a script that requires copyright information to be used which was subsequently removed at the code level.

Another amazing project by the federal government.

Looking to avoid burning through all your cash excessively (hopefully not $400 million!)? Yea, these reads can help you do that:

Continue Reading

5 Financial Considerations Before You Quit Your Job to Be Your Own Boss

financially_ready_quit_job_own_boss

For many, the dream of working from home is a strong inducement to quit a job.

After all, if you could be your own boss and set your own hours and still make a living, wouldn’t it make sense to walk away from “the man”?

Quitting your job is about more than just making sure that you have enough income from your side hustle to replace the income from your day job.  You might not realize all the benefits you’re getting from your current job.  You will need to a way to make up for those losses as well.

Before you take the plunge and quit your job, here are a few questions you should have answers for:

Continue Reading

Free Newsletter to Keep you Free From Broke!Name: Email: We respect your email privacyPowered by AWeber email marketing