Why I Didn’t Use Travel Hacking for My 3-Week Vacation

Why I Didn’t Use Travel Hacking for My 3-Week Vacation

Last month, I returned from an almost 3-week vacation with my husband. Though this trip was planned and saved for over the course of 2 years, it was by no means frugal. I cannot say that we took advantage of travel hacking, utilized hotel points or airline miles, or that we even used our credit card rewards to get the best value. While we do sometimes do that and I am personally all for it, we decided against it for…

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Spend How You Want As Long As You Meet Your Goals

Spend How You Want As Long As You Meet Your Goals

You can have anything you want, but you can’t have everything you want. Perhaps you have heard this before. It can be applied to many different aspects of life. Today, as usual, I’m using it in relation to personal finance. I am a firm believer in balance. All work and no play makes for a sad life. To me, not ALL money needs to be spent in the wisest way possible. However, goals need to be established, whether formally or…

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If You Want It Bad Enough, You Will Make It Happen

If You Want It Bad Enough, You Will Make It Happen

This month my husband and I will be taking a 20-day vacation to Australia and Hawaii. I’d be lying if I told you it was inexpensive. The trip consists of a total of 10 flights and 17 nights of hotel stays. We are not in the top 1% of earners. We did not receive an inheritance of some sort. We did not win the lottery. We have no debt associated with the trip. You may be wondering, then, “how in…

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How to Save for Retirement When Your Employer Doesn’t Sponsor a Plan

How to Save for Retirement When Your Employer Doesn’t Sponsor a Plan

Jobs are becoming less and less traditional nowadays. With more self-employment, jobs based solely on social media and websites (hello, blogging!) and various other jobs like bartending, coaching, tutoring, etc., there’s a good chance no one is sponsoring a retirement plan for you. But just because no one is sponsoring a retirement plan for you doesn’t mean you shouldn’t be saving for retirement yourself! When planning and saving for your retirement without the help of an employer, there is a…

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Don’t Forget to Budget for Fun Money

Don’t Forget to Budget for Fun Money

Budgets have a bad rap. People think that budgeting means all your money has to go towards bills and saving, but that’s actually not true. Your budget should be for more than just your mortgage/rent, student loan debt, car payment, electric, water, heat, cell phone, groceries, insurance, etc.  In order to be able to stick with your budget and not be tempted to break it, it’s important to make sure to budget for “fun money.” What is fun money? Fun…

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How I Live a Luxurious Life of Balance

How I Live a Luxurious Life of Balance

There are a lot of personal finance bloggers who are extremely frugal. Some of these bloggers have one vehicle for a family of 5; some make their own décor for their wedding and ask their bridal party to help set up the venue; some use reusable paperless towels; some use cloth diapers; some don’t have cable; the list goes on and on. While being frugal certainly has its benefits, I need a life of balance. I don’t want to be…

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2018 Tax Law Changes That May Impact You

2018 Tax Law Changes That May Impact You

We’re just a few weeks into 2018 and there’s already a lot of changes happening. You may have actually noticed a difference in your paycheck already due to these new tax laws. Here’s a guide discussing the changes in the tax law that may impact your 2018 tax return. You’ll want to read this sooner rather than later, so that you know how each financial decision you make could potentially affect your tax return next year. Standard Deduction and Personal…

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How Much Can You Save in a Year from Changing One Habit?

How Much Can You Save in a Year from Changing One Habit?

There are so many article titles used to grab readers’ attention. The titles can often be misleading and the information can often be exaggerated. This is why I wanted to provide some calculations to support some changes you can make and how much money you will realistically save by making those changes. Paint Your Own Nails Sorry guys- this isn’t the most relevant for you, but if you share a bank account with your wife, fiancé or girlfriend, then it…

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3 Tips to Save on Auto Insurance

3 Tips to Save on Auto Insurance

Besides your house, what is one of the most expensive things you own? For many people it’s their car. Unfortunately, unlike your home, cars will depreciate in value over the years (unless you have a classic car or a rare car of some sort, then those may appreciate in value over the years). The more you use the car, or the more mileage you put on it, the less its worth. According to Statistia, there was approximately 218 million drivers…

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Increase Your Savings Account by Overbudgeting

Increase Your Savings Account by Overbudgeting

I’ve stressed before how important it is to have a budget. Well, now I’m adding one more reason why it’s a good idea to have a budget. Do you struggle saving money, like most millennials? According to CNBC, 72% of young millennials (ages 18-24) have less than $1,000 in their savings accounts and 31% have nothing at all in their savings account. Older millennials (ages 25-34) aren’t much better. 67% have less than $1,000 in their savings accounts, 33% have…

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