Money Tips Network
Starting a garden to pay off debt: Really!?!
This article is by staff writer April Dykman.
Some personal finance advice is just plain ridiculous. I’m talking about the kind of advice that’s great for filling up a webpage but that had neither saved nor made anyone money ever. Or maybe you could follow it and save money, if you wanted to hate your life.
I’m not entirely innocent, I admit. I’m sure I’ve espoused my share of well-meaning-yet-impractical advice in the last seven years. (Okay, stop searching the archives right now!) But I do try, people. I really do.
So today I wanted to talk about one of these questionable nuggets of advice that I frequently come across: Pay off debt faster by starting a garden.
4 Things Most People Don't Realize Are Holding Them Back
The fact of the matter is that sometimes there are obstacles working against us that we're simply unaware of. Rather than beat yourself up, it's time to start looking at how various aspects of your life might be thwarting your goals.
Thinking of Going on a Diet? Here's How to Figure Out Which One Is Right for You
Most Americans at one point or another have attempted to go on a diet. Whether it be to detox the system, or to lose a few pounds, there are a plethora of diets out there, so the question always becomes: Which to choose?
Buy wholesale with a personal supplier network
Economies of scale are a wonderful thing. The more you’re willing to buy from a particular vendor, the better the unit price they’re inclined to give you. Selling a thousand items a hundred times is a lot more work than selling fifty thousand items twice. It’s less bookkeeping, less tracking, less shipping, and less labor to sell bigger chunks of your inventory at once.
Likewise, businesses buy the materials for their operations in bulk all the time. It’s part of being competitive, and profitable. Lower expenses mean that businesses can price more competitively, which translates to higher volume, and more profits.
Team up with your business-owning friends to get bargains
Best Money Tips: Make Your House Look Awesome for $50 or Less
Welcome to Wise Bread's Best Money Tips Roundup!
Best Deals for Monday 09/08
Link for teaser title:
http://www.wisebread.com/bestdeals/today
Banana Republic: Extra 40% off sitewide with coupon code, DSW Clearance: Up to 75% off + $10 off $10, Journey's...
The 6 Companies With the Best Customer Service
Nowadays, it seems like every single company is trying to cut corners.
If companies are not laying off several employees, then they are forced to find creative ways to cut labor costs.
Why Most Millennials Don’t Have Credit Cards
According to a new survey, 63% of Millennials own no credit cards. For this poll, the Millennial generation is defined as those in the United States aged 18 to 29.
The survey, put together by BankRate, attempts to get to the root cause for the lack of penetration of credit cards among this younger demographic, despite the attempts to sell the idea of credit cards to this generation. These attempts mostly come from those older than Millennials. BankRate’s survey points out that each successively older age group is more likely to own multiple credit cards.
6 Ways to Get Prettier, Smarter, and Healthier While You Sleep
There's a whole lot you can accomplish in your sleep — a battery recharge, brain power refresher, and a more youthful glow among them. Read on for our round-up of the top six ways you can maximize your slumber.
Questions About Multitools, Insomnia, Certifications, Jason Mraz, and More!
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Inheritance advice
2. Professional certification questions
3. Cheapest healthy foods?
4. Swapping “circles” with friends
5. Time to ditch a car?
6. Too cheap?
7. Frugal insomnia cures
8. Talking to brother about money
9. Buy it for life: multitools
If You're Doing These 5 Things, Your Saving Efforts Are for Nothing
It's not easy to save. We average earners live on razor-thin margins and have trouble even imagining saving. Once we start saving, something "comes up" and the savings begin to diminish. (See also: The 10 Things Everyone Should Be Saving Saving For)
And all of that can feel okay if the savings are slowly accumulating over time. But the most soul-crushing setbacks take us back to zero, and negate all the hard work we're putting in. These are the ones that to be avoided at all costs. So take a close look at this list, because if you're doing these five things, your saving efforts are for nothing.
Bird leaves nest: Equipping your graduate with wings
This article is by staff writer Lisa Aberle.
About one month after I graduated from high school, I moved out of my parents’ home for the first time. Freedom! No curfew! No rules! I had been waiting for this day for years. “When I graduate from high school, I am so outta here!”
Shortly after moving out, though, I realized I wasn’t quite as well-prepared as I thought I was. One of my similarly immature friends was telling me about a minor car mishap with another driver. She hadn’t known how to handle it, like the exchange of car insurance information and whether or not the police should be called. Her boss gave her advice, but it made me realize that I didn’t have a clue what to do either.
And I quickly realized I didn’t have a clue about a lot of things. It gave me a slight panic attack.
10 Easy Ways to Work Stretching Into Your Daily Routine
'm a certified, registered yoga teacher at the 500-hour level, and I've been teaching yoga and meditation for 10 years. Take it from me: Flexibility is an important aspect of everyone's health.
In fact, most of my students find me because they have low levels of flexibility that are causing them pain. Muscles that are flexible help to reduce pain in the body, particularly back pain, and they support us in the movement of everyday life.
The New Retirement Rule?
I'm not sure they were trying to do this, but I think Time magazine just came up with the new rule for having a great retirement nest egg. Their thoughts:
Save 15% of pay for 30 years and you will be fine. Save for longer, and it gets much easier.
A few thoughts:
Should You Spend Your Money or Your Time?
We’ve all heard that time is money. It can mean various things to various people.
- Over time, if you save and invest, you will have more money.
- If you waste time, the money you earn will be less.
- The clock is ticking, and every moment you aren’t earning is money lost. Every moment you aren’t enjoying life is life forever lost.
If we spend our time instead of our money, we miss other opportunities. If we spend our money instead of our time, we lose the money.
When we first start out in life, we often don’t have a lot of money and don’t have much choice other than to spend the time. After we have been at it for a while, however, we often do have a choice. We can decide when we want to do something ourselves and when we want to spend the money to hire someone.
But how do people decide whether to spend money or time?
Smart ways to save money at school without ruining your college fun — or going hungry
Don’t worry – this isn’t going to be one of those posts that tell you you’re a big boy/girl now, and have to stop being irresponsible with money. I won’t tell you to stop buying overpriced lattes, $11 nachos at midnight, or comfy college sweatshirts because those things are largely what college is all about. [...]
Smart ways to save money at school without ruining your college fun — or going hungry from personal finance blog Bargaineering.com.
This blog was posted by Dawn Papandrea
Chase Sapphire Preferred® Review
The Chase Sapphire Preferred® card is simply the best when it comes to accumulating and using points to earn free travel. Not only do you get 2x points on dining and travel, but those points get you 2% off when redeemed for travel on the Ultimate Rewards website. With one of the fattest sign-up bonuses in the industry, your dream vacation might be closer than you think. Those are the main reasons why the Chase Sapphire Preferred® is consistently at the top of our best rewards credit card list.
Inspiration from Isabel Allende, Robin Williams, Emily Dickinson, and More
Once a month (or so), I share a dozen things that have inspired me to greater personal, professional, and financial success in my life. I hope they bring similar success to your life.
1. Isabel Allende on living passionately, no matter your age
From the description: “Author Isabel Allende is 71. Yes, she has a few wrinkles—but she has incredible perspective too. In this candid talk, meant for viewers of all ages, she talks about her fears as she gets older and shares how she plans to keep on living passionately.”
I’m a big believer that your true values are expressed by what you do, not by what you say. Happiness is present in my life when I’m doing things that really resonate with what I care about… and I feel unhappy when my time is spent on things that I don’t care about.
Frugal, or cheap, or tacky?
Saving money, and spending less money, are two crucial activities for people looking to take, and maintain, control of their personal finances. And, as with most things, there are classy ways to go about it, and … less classy ways.
On the spectrum of ways to spend less money openly, one can be (in order of decreasing classiness) frugal, cheap, or tacky. Merriam-Webster defines each in context:
Frugal, or cheap, or tacky?
Saving money, and spending less money, are two crucial activities for people looking to take, and maintain, control of their personal finances. And, as with most things, there are classy ways to go about it, and … less classy ways.
On the spectrum of ways to spend less money openly, one can be (in order of decreasing classiness) frugal, cheap, or tacky. Merriam-Webster defines each in context:
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