As many of you know, I’m a pretty avid tracker of my tasks and the things I need to do. I do it mostly because I need to get those things out of my head — where they distract me and keep me from focusing and sometimes are forgotten — and into some kind of trusted system, where I know they’ll be there for me later.
Over and over again in my life, I’ve found that being distracted by things I need to remember, forgetting things I need to do and missing appointments has cost me time, money, relationships and opportunities, and as my life has become more and more full over the years, I’ve had to gradually evolve my systems and practices for doing these things.
One of the biggest challenges I had to overcome during my own financial turnaround was the instinct I used when deciding whether to buy something. That instinct provided pretty good guidance during an earlier phase in my life when I had very little money to spend, but once I moved to a better paying job after graduating from college, that instinct that I had come to trust proved disastrous.
Basically, my old instinct operated like this: if I felt like I wanted something, and I felt like I had enough money to buy it, I bought it.
Personify Financial
While the money from Personify Financial is expensive, the company signals relaxed approval requirements by looking at more than just your credit score.
Finova Financial
One sentence summary: Finova Financial offers car title loans with one-year terms and the ability to make payments at over 30,000 MoneyGram locations.
One of the biggest frugal challenges is figuring out how to get the most value for your dollar at the grocery store.
When we buy food, we tend to look at several factors at once. Is it something that’s tasty? Is it something that’s healthy? Is it something I can prepare easily? Is it inexpensive? Is there some variety here compared to what I usually eat?
Citizens One
Operating as the lending branch of Citizens Bank, Citizens One finances personal loans at low rates for borrowers with above-average or good credit.
Recently, I’ve written a few articles on gardening and the frugal value it provides, particularly this one on how how to start a garden without a backyard. While this advice works well for many situations, it doesn’t address small living quarters. What do you do if you don’t have any balcony space, or you live in a very tiny apartment and don’t have room for much?
I hunted through some of my gardening books and my own many years of gardening experience (starting with helping my father grow seedlings and raise vegetables as a very young boy) and tried to come up with the simplest garden I could think of, and I think this is about as simple as I can get.
Erie is one of the best auto insurance providers on the market, despite the fact that it only serves 12 states. The company consistently earns top ratings from industry research organizations, is financially strong and has above-average customer service reviews.
The company offers unique features and extensive add-on coverage, including rate lock programs. Drivers can take advantage of discounts to lower their premium, like bundling policies and paying their policy in full.
When you buy flood insurance, the amount you pay is based on your specific risk for flooding. To determine that, insurers often turn to an elevation certificate, especially when policies are backed by the National Flood Insurance Program (NFIP).
Learn what an elevation certificate is, when you need it and how it is useful.
Find the Best Home Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
The COVID-19 pandemic has created a growing demand for drivers to deliver groceries, medications and restaurant meals. Making deliveries means spending more time on the road, which increases your risk of an accident and your insurer’s risk of paying a claim.
Insurance for a personal automobile used for deliveries differs from covering a car for personal use. You must meet state and employer requirements while navigating through policy exclusions that could nullify your coverage when you need to file a claim.
Do delivery drivers need commercial car insurance or does a personal auto policy provide adequate coverage? Find out below.
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