7 Painless Steps To Switching Car Insurance

Looking for new car insurance doesn’t have to be a problem. Considering the number of insurance companies available, there is certainly one that could be your next partner. Switching to a new insurance company might be a bit problematic though. To begin with, you need assurance that you are paying less. Otherwise, there is really no point in switching. You should also know how much it would cost you to cancel the old insurance. It also helps if you call your current insurance company first Read more [...]

4 Important Financial Tips for Newlyweds

The Wedding Season is almost here and if you are one of the brides and grooms-to-be, I’m pretty sure you’re already feeling the pressure from all the preparations, roller coaster of emotions and of course... financial stress.  But you know what?   Those financial and emotional stresses don’t end once the wedding is over.  It’s only the beginning, my dears. In today’s blog post, let’s talk about the financial side of marriage.  You see, money is one of the most common reasons Read more [...]

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 buying. Power Read more [...]

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. To Read more [...]

Credit Card Fraud Stats – Protect Yourself from Being Scammed

Credit card fraud is no longer new. You hear about it every day and it comes in various ways. Even tech experts cannot always prevent this type of crime from happening. However, obstacles can be created to make it tougher for the scammer to obtain access to your card and card number. It is important that you treat your credit card and account number like cash. This is one way to fend off any potential misuse. It's important that you learn several techniques on how to protect your account from Read more [...]

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 sure to plan in advance. If you want a reasonable price, don’t Read more [...]

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, to unnecessary purchases Read more [...]

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 because you are not sure where to settle Read more [...]

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. Transportation This may take up the biggest part of your Read more [...]

You Need a Plan

Even you're scraping by on a minimum-wage job, you need a budget. The basic plan is pretty straightforward: Total your income from all sources Estimate you total expenses Calculate the difference If the difference is negative, you need to figure out how to fix that! You can either increase your income, or decrease the outgo, or both. The easiest way is usually to decrease your outgo. If you have been caught up in the credit card trap, the first step is to cut all of them up. Read more [...]