If you don't have much money, but you want to give this holiday season, here are 3 gifts that keep on giving.
These discount programs can really be thought of as a new kind of coupon, and added with the grocery store coupons I'm already using can provide significant savings in our weekly budget.
For some people, such as sports enthusiasts or hobbyists, it's easier to answer. You've probably noticed that as you get older, activities that are fun for some people are no longer considered fun for you. Redefining fun is a vital part of frugality, too. You become more aware of the costs involved in your choices. Your community offers many free activities.
Now, I really WAS terrified of the mess I had gotten myself in to, and the glitz and glam of paying with credit had truly turned into a feeling of utter horror and despair. That fear and despair quelled my desire to ever use ANYTHING but cash for ANYTHING.
I don't think that will happen if we treat this like a diet. We cannot be really good while on the program and then go back to our old spending ways afterwards. I want to learn from our past so we are not doomed to repeat it!
We had never lived within our means, and quite frankly didn't even know how to start getting our finances back into shape. We needed someone to help guide us in the right direction.
I am so happy to no longer be a slave to the credit card industry and the high interest rates that are overwhelming so many people around the nation. It wasn't easy to give up swiping and convert to a cash-only existence but it was certainly very beneficial for me in the long run.
Since that time, I learned how important it was for me to pay off my debt.
One of the biggest problems you are likely to run into has to do with emotional spending. Emotional spending is especially dangerous when you have access to a credit card. Because it's so easy to simply swipe your card, your vulnerable state of mind can lead to financial vulnerability.
Now that you know why credit cards can be great travel companions, here are the pitfalls and how to navigate them.
I wanted to get a rough estimate as to how long I have to work to pay for the interest on my credit cards for the year. Adding up the interest I've paid on my credit cards so far in 2013, plus a projected amount for the rest of the year I calculated that I have work 7 days as a software engineer to pay for the interest on my credit cards.
Since doing that would be a sort of "financial suicide," it might be time to think about taking steps to become debt free.
Month after month, my kids saw me in anguish as I juggled money, trying to pay off these huge bills, and then having little left in my checking account after the bills were paid.
Then they told me that I would have to be three months late before they would even talk about helping me. How is that going to help me? All that would do is increase my debt.
It makes me think of playing hot potato only I knew I would always be the one who ended up with the hot potato. I was just trying to get food on the table. The bottom line is that at the end of the year we were just as deep in debt as we were at the beginning.
That wasn't success at all. It was the definition of living paycheck to paycheck.
I learned you can't plan for everything because sometimes life just happens.
Blu-ray DVDs. Interactive websites. Computer rooms. It's not quite up to U.S.S. Enterprise levels yet, but yes, libraries have joined the rest of society at embracing today's modern technology.
It's easy to get caught up in someone else's version of financial success. After all, we see advertisements that show us what we're "supposed" to buy. We look around the neighborhood and see certain types of cars. We look at decor on Pinterest and see what others' homes look like.
Is it responsible to take a vacation before clearing your debts? What about embarking on a long-term trip, like a gap year or sabbatical? Should you be slowed down by a pesky student loan, credit card debt, or even a mortgage?
It's normally a potluck kind of gathering, each guest bringing their favorite football food and to me there's one thing that goes perfectly with watching a football game: Buffalo Wings
If you have not attended a school activity in your community, you are missing a great opportunity to experience some of the best, low-cost fun ever.
The debt consolidation program will get you out of debt much faster than you could likely accomplish on your own. Even with that expedited time frame, it can take a few years to accomplish your goal.
But sometimes when you're married, you can feel like your spouse is beyond hope. You can yell, scream, beg, plead, and they still don't understand the way you think when it comes to money or anything else.
But even Emeril likes to eat out every once in a while. And in today's fast-paced, stress-filled society, grabbing a "quick" bite to eat at a local restaurant can end up costing you way more than you bargained for.
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.