A Personal Finance Blog for Regular Folks
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.
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!
[Read more…] about Our Switch To Netflix – Review
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). [Read more…] about How to Survive College Without a Car
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: [Read more…] about Pay Off Debt or Save? That is the Question
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. [Read more…] about Popular Honeymoon Spots on the Cheap
