Until recently, I’ve never negotiated my salary. I’ve always worked for a large accounting firm or public company, both of which provide annual merit increases. I’ve accepted any salary increases tied to a promotion with no questions asked. I realize now how foolish that was. When I recently transitioned from employee to contractor, I had … Read more
Do you dedicate hours to create your budget? Then when it comes to the execution of that budget, you struggle big time. If following through on your budgeting decisions is your downfall, you may want to consider envelope budgeting. What is Envelope Budgeting? Envelope budgeting is a cash-only method of budgeting. It’s one of the … Read more
I made $53.50 using Ibotta in August and September. Ibotta is a money-saving app that allows you to earn cash back on your purchases. I downloaded the app to try it out as part of my quest to pay off my mortgage. I chose it specifically because you can withdraw your rewards via PayPal, rather … Read more
You’re in desperate need of a vacation, but what if you don’t have the money saved up? Ultimately, your goal is to cash flow your trip and avoid going into debt. This leaves you with two choices – 1) saving up for your trip in advance, or 2) paying a third party through an installment … Read more