budgeting

How Bucket Budgeting Can Turbocharge Your Motivation to Save
www.thesimpledollar.com

In what has become a depressingly consistent tradition, a recent Bankrate survey revealed that 61% of Americans would not be able to cover a $1,000 unplanned expense. Unemployment is currently quite low by historical standards, so the problem is not that people can’t earn money. It’s more likely that, for a variety of reasons, most […]

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Here’s How Much Your Insurance Goes Up After an Accident
www.thesimpledollar.com

Planning to file a claim with your auto insurance? If so, you should brace yourself for higher premiums. This warning comes courtesy of a joint study between InsuranceQuotes and Quadrant Information Services. According to the data, drivers who made claims in 2016 saw their policy premiums increase by an average of 44.1%. The study looked at the […]

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Jewels of Financial Wisdom From Ancient Religious Texts
www.thesimpledollar.com

There are a few basic tenets to follow if you want to grow your wealth without compromising your integrity: Save more than you earn. Watch out for debt. Live simply. Don’t be greedy. Give back if you can. Remarkably, these foundations were being discussed by the ancient thinkers who wrote our most famous religious texts. […]

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Eight Ways to Use Expiring Produce
www.toplevelsales.net

Knocking money off your grocery bill may not be easy, but it can be done. By using coupons, planning your meals, and shopping regular sales, it’s not that hard to whittle your food bill down a notch or two. Still, you can often save even more with a very basic technique: Reducing food waste. By […]

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Here’s How Much the Average American Pays in Interest Each Year
www.thesimpledollar.com

From the moment we’re born, we’re taught that borrowing money is normal and, dare I say it, expected. From mortgages to car loans to $700 smartphones we pay for over 24 months, we’re taught to spread the pain of our purchases over the course of many months or years. Obviously, this mindset isn’t always bad. With housing […]

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Three Big Mistakes Students Make When Accepting Financial Aid
www.thesimpledollar.com

I graduated college with $145,000 in student loans. The worst part about it? I was willfully ignorant about the amount I borrowed. It would all be paid off by Future Me, right? Besides, not once during my economics courses was there a discussion about the adverse effects of high student debt. How bad could it […]

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Eight Money Mistakes the Middle Class Keeps Making
www.thesimpledollar.com

About half of Americans lived in middle-income households in 2014, according to Pew Research. This demographic includes families with incomes two-thirds to double the U.S. median household income – or those earning between $42,000 and $125,000 (with cost-of-living adjustments for expensive metropolitan areas). America’s middle class includes teachers, firefighters, and plumbers, but also engineers, construction managers, and […]

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Here’s What Our $150-a-Week Grocery Budget and Meal Plan Looks Like in Real Life
www.thesimpledollar.com

When my husband and I got serious about our finances years ago, our food spending was out of control. We were just two people and a baby at the time, yet we were inhaling $1,000 in food each month – and sometimes more. One fix for our food spending woes was simple: We were dining out […]

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How to Budget On a Low Income
singlemomsincome.com

Have you figured out what your financial goals will be for this year? Whether you want to pay off debt, save more, start investing, or just stop living paycheck to paycheck, you’ll need to start by creating a realistic budget to help you reach your goals. Back when I was in college and didn’t earn […]

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What NOT to Do When Selling Your Home
www.thesimpledollar.com

I’ll never forget an open house I visited in 2008. I asked our realtor to look around for some larger homes – possibly a two-story deal or a roomy ranch with a basement. I was thrilled when she came up with a list of six homes for us to see in one day — one […]

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The Pay Yourself First Principle – How to Make it Work
singlemomsincome.com

One of the best habits I’ve created when it comes to personal finance has been paying myself first. Without doing this there’s a good chance my savings would be nothing and I’d live paycheck to paycheck, even though my income has increased a lot over recent years. This is because it’s super easy to fall […]

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