Author Archives: Toni Marie

Where to Sell Your Unwanted Gift Cards from the Holidays

And just like that, Christmas season is officially over.  Most probably, you’re left with a stack of gift cards that may or may not be put to good use. Gift cards are always given with good intentions but sometimes, receiving cards that you can never see yourself using is inevitable.  I mean, your next-door neighbor had no idea that you’re not a coffee drinker.  And your boss probably didn’t know that you’re on a low-carb diet. As a result, it […]

How to Save Up on Travel During Peak Season Holidays

Traveling during the holidays really does come with a hefty price tag.  According to Kayak.com, this will be the most expensive time of the year to fly for both domestic and international flights. Of course, everyone loves to travel during the holidays.  People want to come home to their hometowns, jet off with friends and make new memories with their families.  That’s why booking airfare tickets and hotel accommodations ahead of time is the key to save big on traveling […]

“Pay Yourself First” to Save More Money

When it comes to formulating a budget, a line-item budgeting model is what we often see, where one focuses on the expenses rather than the savings. This type of budgeting style details a precise amount of money for different spending categories, and just end up saving whatever amount they have left before the month ends.  Unfortunately, not everyone is lucky enough to still have remaining money at the end of each month. If you are one of the “unlucky ones,” […]

Organize Your Holiday Budget with these Mobile Apps

You might think that it’s a little too early to start setting up your Christmas budget but FYI, we’re only a little over a month till the 25th of December. Year after year, Santa’s sleigh becomes heavier and heavier, or should I say, more expensive. According to the National Retail Federation’s annual holiday forecast for 2018, consumers will be spending an average of $1,007.24 which is 4.1% more than last year’s $967.13.  So yeah, it just shows that Santa’s sleigh […]

6 Free Apps to Maximize Savings on Grocery Shopping

According to a report from the United States Department of Agriculture, the average four-person American household spends around $140 to $300 on groceries per week. If you are one of the families who spend more than the national average, here 6 apps that will help increase your savings on your weekly grocery shopping – from apps that offer cash back rewards and coupons, to apps that will find you the lowest prices and best deals. And the best part? They […]

How a Money Journal Can Improve Your Finances

The practice of daily journaling has been proven to improve many aspects of a person’s life – from physical to spiritual health, quality of life and even finances. Keeping a “money journal” is not just a way to track your spending, but a very helpful practice to improve your relationship with money.  Because when you have a healthy and happy relationship with money, you are definitely bound to prosper. So how does a money journal really improve the quality of […]

How to Start Saving for the Holidays (in October)

With back to back Christmas parties, traveling, food, decor and gift shopping, the holidays surely bring you a long list of expenses. And without a holiday budget ready, you’ll be faced with a big amount of debt come January. If you are one of the many Americans who sink into holiday debt year after year, it’s time to make a change and start saving up this October. Here’s how to get started: Create your holiday gift list. One of the […]

How to Increase Your Savings this Fall

We are only a short time away from the holiday season, which means that you need to prepare yourself for some back-to-back spending. Fortunately, in the season between summer and winter is the time of the year when we can find numerous ways to save more money. Fall is such a beautiful time of the year and today, I will share with you how you can take advantage of this season to spend less and save more. Put your gym […]

7 Helpful Ways to Curb Overspending

We’ve all been there before – making unnecessary purchases that we know are out of our budget. Going over budget from to time is quite inevitable but for some people, this happens every. single. month, which brings their finances into a downward spiral. Overspending is a serious problem.  If you find yourself in this situation, it’s time to make a conscious decision to change these bad spending habits before they destroy your life. Here are 7 ways to help you […]

How to Determine Which Debt to Pay First

Between credit card debt, car loans and student loans, deciding which one to pay off first can be a challenge. But you got to start somewhere, right? There are no strict rules when it comes to setting up a debt payment plan but there are certain strategies to help you save more money over time and get out of debt as quickly as possible. Today, let’s talk about the different debt payment strategies to consider depending on your goals. Paying […]