Money Tips Network

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The hurricane season of 2017 will long be remembered for the chaos and damage it caused. Caribbean islands including Puerto Rico, Barbuda, St. Maarten, and Dominica were irreparably harmed by hurricane-force winds and rain, causing tens of thousands of residents to become homeless overnight. Texas and Florida also received their share of damage, much of which was caused by the excessive rainfall and infiltration of storm waters.

While much of the stateside damage will be fixed after homeowners insurance kicks in, some homeowners in Texas specifically are now facing the startling reality that damage caused by flood waters is likely not covered by their policies.

The new year is a great time to start practicing better financial habits.

Here's step by step how to budget almost entirely with pen and paper. We've stuck with it for years now …

(This post was originally published on December 31, 2017, and was updated August 29, 2020).

In the fall of 2017, my wife and I took Dave Ramsey's Financial Peace University through our church. The entire course rocks, but one thing that we started during the course was making and following a zero-based budget.

I'll come clean: making and following a budget isn't fun. We've been doing it for years at this point, and I still wouldn't say it's fun.

But, we're liking the results.

We see where our money is going. By planning where each dollar goes, we gain control over it.

As we’re about to close the books on 2017, I thought it might be interesting to look back over the year and see what things I did differently this year in order to save money.

Some of these strategies were simply all-around wins, saving money while not negatively altering my life in any way. Some of these things turned out to be time savers as well as money savers, while others set me up for saving money down the road, and still others turned out to have additional benefits.

If you want a smart way to use these tips, consider using them to fuel your frugality list.

When you're stuck with credit card debt, it can be incredibly hard to look at your monthly statements. Each time you look at one, you see your outstanding balance, your interest charges, and your new purchases.

The web is awash with deceptive stories and clickbait ads claiming you can make millions online with little or no effort. So it's no wonder people think earning money via the internet is a shady and fruitless endeavor.

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While credit card rewards offer an easy – and lucrative – path to get “something for nothing,” a lot of people find the process too complex. People with busy lives don’t necessarily enjoy analyzing their spending or being forced to use certain cards for certain purchases, so they just skip the entire ordeal. And since airline and hotel loyalty programs are notoriously complex anyway, it makes sense why some people don’t want to deal with the hassle or extra steps.

Of course, one easy solution to this problem is forgoing the complicated programs and getting a flat-rate cash-back credit card instead. With the or the Citi® Double Cash Card, for example, you can earn a flat rate of rewards no matter what you buy – and with no annual fee.