Author Archives: Toni Marie

Cut Your Bills with These Energy-Saving Devices

Thanks to the continuous growth of energy efficiency, companies have provided us a wide-array of energy-efficient goods and services.  Sometimes, a little investment is worth it if you think about saving more money in the long run.  But you need to invest wisely on the right technology.  Not everything that claims “energy saver” will actually save you money on your energy bills. To help you out, I’ve put together a list of the top energy saving gadgets that are worth […]

6 Helpful Ways to Grow an Emergency Fund

Life is full of surprises that’s why having an emergency fund is essential in one’s personal finances.  You may not be prepared for an illness, job loss, car repairs and such but you can always prepare to handle the costs and navigate through these unexpected circumstances. I’m sure you all know how critical this financial advice is but the problem is how to actually build a fund and where to begin, especially when you’re already struggling with your current financial situation. […]

5 Hacks to Fly for Less

I’m sure you have a lot of getaways planned for spring and summer buy you know how airfare takes a big chunk out of your travel budget, right? Finding ways to save on accommodation, food and activities is easy but what’s challenging is to find cheap air tickets. So in order to help you feed the wanderlust in you without making a big damage on your bank account, here’s a list of helpful hacks to fly for less. 1. Make […]

6 Grocery Shopping Tips to Save Money

If you’re on a budget, grocery shopping is one of the chores that you need to master and be smart about.  It’s a significant expense in every household that eats up a big chunk from your monthly budget. If the idea of grocery shopping already excites you, congratulations because you are now officially a responsible adult.  But don’t let the excitement get to you or you’ll end up overspending at the grocery store!  I, myself, am guilty of that.  Thanks, […]

Renting vs Buying a Home: The Good & The Bad

To rent or buy a home, that is the question. To own a home is a life goal for most Americans.  However, not everyone is financially equipped to do so. Home ownership isn’t always the best decision, nor is renting better than owning.  Both  have their own pros and cons, so let’s discuss them one by one. Renting The Good: It gives you flexibility. If you have plans to relocate in the near future, because of your work, family or just […]

Setting Up a Budget for Your Next Vacation

Spring is here and for most of you, it’s that time of the year when you begin planning for your upcoming spring break and summer getaways!  But planning isn’t just about choosing where to go.  The most important part of it is setting up a budget to make sure that you will be able to afford the trip and avoid going broke after. To guide you, here are the things that you need to consider when creating a budget for your vacation. […]

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