Brian James

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11 Ways to Fund Your Child’s College Education Without Going into Debt

Jun 12, 2024

A study conducted by the College Board, which tracks trends in student aid and college pricing, revealed that a four-year college degree now costs $39,400 annually. Other statistics reveal that tuition fees have more than doubled in 20 years, making it extremely challenging for parents to raise enough funds to send their children to college. ... Read more

13 Clever Ways to Reduce Your Monthly Utility Bills

Jun 12, 2024

The average American spends about $200 monthly and up to $6,888 annually on utility bills. While this cost can vary depending on energy use, home size, location, and other factors, handling rising utility bills can be overwhelming for many homeowners. Luckily, there are different energy-saving strategies that you can adopt to reduce your utility costs. ... Read more

8 Must-Have Insurance Policies to Protect Your Financial Future

Jun 13, 2024

A financial plan makes meeting current obligations easier and strategizing for the future easier. While most people include details about their income, expenses, taxes, investments, and retirement, only a few remember to include insurance as part of their financial plan. Having the right insurance plan ensures you’re prepared for unexpected life events and protects you, ... Read more

11 Top Tax Deductions You Might Be Missing Out On

Jun 13, 2024

Tax season comes with many intricacies. While you may be filing your taxes on time and paying every applicable tax, you may be wondering whether you’re paying more taxes and if you qualify for any deductions. There is a high chance that you will not know about these deductions unless you are a tax expert. ... Read more

7 Cheap Dollar Tree Items to Buy for Summer

Jun 10, 2024

Summer is a fantastic time to spend outdoors. You can relax by the pool, grill in the backyard with friends, or enjoy beach time with family. Typically, getting ready for such activities will cost you, as you must get beach accessories, pool-ready outfits, and even a grilling area. Fortunately, you can spend a fraction of ... Read more

14 Money-Saving Tips Middle-Class Americans Who Want Renovate Their Home On A Budget

Jun 06, 2024

Renovating your home is exciting as it lets you remove the old carpet, spruce up the bathroom, and replace the old cabinets. However, as with most constructions, home renovation costs tend to add up quickly if not carefully managed. Research shows that the average cost to remodel a house is $48,384. The cost can be ... Read more

11 Common Credit Card Myths You Need to Stop Believing

Jun 06, 2024

Should I apply for a credit card? Will a balance on my credit card affect my score? Most people have these questions about credit cards, and unfortunately, failing to get an expert to answer them often leads to myths and misconceptions. Read on as we debunk some common credit card myths you must stop believing. ... Read more

13 Frugal Activities That Are So Worth It, You’ll Forget They’re Frugal

Jun 04, 2024

A common misconception about being frugal is that you must sacrifice your quality of life or forego things you enjoy to save money. However, that’s not true. Many frugal activities are fulfilling and fun. The Bureau of Labor Statistics estimates that the average American spends at least $2,912 on entertainment. However, it’s possible to cut ... Read more

9 Simple Habits That Harm Sleep

Jun 01, 2024

Have you ever felt sluggish, unmotivated, and unfocused after getting little to no sleep the previous day? That could be a result of sleep deprivation. A report by the CDC showed that 33.2% of U.S. adults sleep less than seven hours a day. Additionally, 17.8% of adults have trouble falling asleep. Lack of quality sleep ... Read more

7 Household Expenses You’re Probably Wasting Your Money On

Jun 01, 2024

The Bureau’s Consumer Expenditure Survey survey revealed that the average American household spends about $6,000 on household expenses. That amount can be higher depending on your family size, income, etc. Interestingly, you may be spending a lot on unnecessary household expenses. Cutting these expenses can help you save money and achieve financial stability and freedom. ... Read more

12 Common Retirement Blunders All Americans Need to Avoid

Jun 01, 2024

When you think of retirement, you may imagine the ability to travel when you feel like it, relax at any time, and spend time with loved ones. However, you may not realize that you’ll need retirement savings or investments to fund some of these conveniences. Unfortunately, most retirees realize this when it’s too late, resulting ... Read more

7 Reasons to Look For a New Job in 2024

Jun 01, 2024

The job market is continuously evolving, and there’s never been a better time to look for work. Whether you’re a recent graduate, someone seeking new challenges, or a seasoned professional, there’s something for everyone. Here are seven compelling reasons to look for a job in 2024. 1. New Job Opportunities Technological advancements have created ... Read more

6 Signs You’re Doing Really Well Financially in America (Even if It Doesn’t Feel Like It)

May 30, 2024

Achieving financial stability where you can meet your current financial obligations comfortably and still plan for the future is a goal everyone strives to attain. However, while you may be able to pay your bills, save for vacations, and afford to dine out occasionally, you may feel left behind, especially if you compare yourself with ... Read more

11 Ways to Cut Costs on Your Monthly Car Expenses

May 30, 2024

Cars are convenient but can also be expensive to maintain. An AAA report released in 2022 revealed that the annual cost of ownership for a new car is $10,728. That figure includes insurance, gas, maintenance, and loan interest. Although these figures were an estimate for a new model, driving an older model means you may ... Read more

5 Key Hiring and Workplace Trends Job Seekers Should Prepare For

May 30, 2024

The job market is constantly evolving. As a job seeker, keeping up with these shifts in hiring trends can be overwhelming, mainly if you’ve been laid off in the past one or two years. Nonetheless, keeping up with these hiring and workplace trends allows you to stay ahead of the competition, identify the emerging skills ... Read more

12 Obvious Hacks Frugal People Do To Make Their Monthly Bills Less

May 26, 2024

Budgeting on a limited income can be challenging for most people, especially if you’re living from paycheck to paycheck. Fortunately, you can still find creative ways to manage your money and have enough to save for other financial goals. These hacks can lower your monthly bills and increase your financial security. It’s possible to enjoy ... Read more

Save Money at the Airport With These 12 Thrifty Budget Ideas

May 26, 2024

Airports are expertly designed to make you spend. From free-duty shops and overpriced foods to souvenir stores, multiple expenses can crop up at the airport. While most people agree that airports will always be expensive and are willing to pay, there are still ways you can cut costs at the airport. Read on to find ... Read more

9 Ways to Get Money Without Getting a Job

May 25, 2024

The gig economy has steadily grown and contributes up to 12% of the labor market. More people are looking beyond the 9-to-5 desk job to earn a living. The amount of money you can make without a traditional job depends on your experience, skills, and marketing skills. There are plenty of ways to earn money, ... Read more

The 9 Best U.S. Side Hustles (In 2024)

May 25, 2024

Whether you’re paying off that high-interest debt, putting a down payment on your house, or going on a vacation abroad, there’s a lot that you can do with extra income. A side hustle can supplement your income and help make ends meet. The best side hustle not only earns you a decent income but also ... Read more

7 Signs You’re Actually an Introvert, Not Shy

May 25, 2024

When the word introvert is mentioned, most people think of someone shy, overly quiet, and someone who prefers alone time. Although introverts may have some of these traits, they do not reflect their personality. Introverts may feel drained from being around many people for an extended period but aren’t afraid of people. Here are seven ... Read more

8 Ways to Cut the Cost of Your Car Loan

May 25, 2024

Buying a car can be costly. In addition to insurance, regular maintenance, and fuel, you must consider monthly payments if you get a new car through financing. Unfortunately, cars are not appreciating assets, and you must factor in all these costs even if you’re struggling financially. The good news is that owning a car is ... Read more

13 Mistakes Investors Make and Ways to Avoid Them

May 25, 2024

Investing is risky and doesn’t always guarantee quick or easy profits. Getting into investing is a personal journey, as you settle for an investment based on your risk tolerance, financial goals, and previous experiences or knowledge. Whether you’re a beginner investor or a seasoned one, you’ll likely make some mistakes. Understanding these mistakes and learning ... Read more

5 Secrets to Growing a Beautiful Garden This Summer

May 24, 2024

We all admire a green and lush garden during summer. It’s a perfect place to enjoy the weather and spend time with your loved ones. However, maintaining a beautiful garden during this season isn’t always easy due to the excessive heat and prolonged dry weather. With the proper techniques, you can still create a vibrant ... Read more

8 Habits That Keep Middle-Class Americans Poor

May 24, 2024

Do you ever find yourself surviving from paycheck to paycheck and can’t figure out where your money goes despite having a stable income? You’re not alone. While you may have a stable job and consistent income, you may find it challenging to build wealth due to poor money habits. Interestingly, you may not even realize ... Read more

13 Ways Frugal People Save Money on Groceries Without Sacrificing Quality

May 21, 2024

The U.S. Bureau of Labor Statistics estimates that the average American household spends $475 monthly on groceries. That number can vary depending on your household size, location, type of groceries, shopping habits, dietary restrictions, etc. Although shopping for groceries can be expensive, there are ways you can reduce your grocery bills and still enjoy high-quality, ... Read more

12 Mistakes to Avoid When Trying to Get out of Debt Quickly

May 20, 2024

Research shows that the average American in 2023 has $21,800 in personal debt, which excludes mortgages. The most common types of debt in the U.S. are student loans, auto loans, credit card debt, and mortgage debt. Another interesting aspect is that debt tends to rise around middle age, and most Americans will pay off their ... Read more

9 Ways to Get Money Without Getting a Job

May 19, 2024

13 Common Financial Scams to Watch Out for in 2024

May 16, 2024

The Federal Trade Commission estimates that fraud cost U.S. consumers more than $7 billion in the first quarter of 2023. That was a 5% increase from the same period in 2022, meaning financial scams are now more prevalent and sophisticated. Financial scammers are always looking for new ways to steal your money. However, you can ... Read more

12 Ugly Truths Middle-Class Americans Need to Know About Retiring

May 06, 2024

Retirement is a time to relax, travel, and enjoy some free time after working hard for years. However, like any other major life transition, it can be challenging. The transition comes with harsh realities that most people aren’t prepared for but must confront. Read on as we explore 12 ugly truths about retiring and discuss ... Read more

13 Work-Life Balance Tips for a Happy and Productive Life

May 06, 2024

More than ever, Americans sacrifice their downtime, work on vacations, and check their emails when they are off the clock. That has led to an unhealthy work-life balance. Unfortunately, that has contributed to worse mental and physical health, resulting in more U.S. employees suffering from burnout and stress. A healthy work-life balance can lead to ... Read more

14 Frugal Expert-Approved Items to Exclude From Your Shopping List

May 05, 2024

While the phrase frugal living has gotten a bad reputation and is confused for being cheap, it’s a lifestyle that can help you live more sustainably and achieve your financial goals. Contrary to popular misconception, frugal people are not cheap but are more intentional and mindful of their spending habits. Here are 14 frugal-expert-approved items ... Read more

12 Signs That Point Towards a Comfortable Middle-Class Retirement

May 05, 2024

The Pew Research Center defines middle-class income as between $67,819 and $203,458 for a family of four. While most people in the middle-class income bracket feel comfortable retiring in some years, others aren’t sure if they have saved enough to achieve a comfortable middle-class retirement. Remember that the amount you need to retire will depend ... Read more

12 Extreme Frugal Tips Middle-Class Americans Use to Save More

May 05, 2024

Amid inflation and the rising cost of living, research shows that more middle-class Americans are struggling to make ends meet. Their income can no longer sustain the increased cost of living, further necessitating some frugal measures. Here are 12 extreme frugal tips that middle-class Americans are using to save more. Decluttering and Embracing Minimalism ... Read more

15 Clever Cleaning Hacks That Professionals Don’t Want You to Know

May 05, 2024

Cleaning is tedious and time-consuming. However, professional cleaners have devised creative ways to make cleaning fast and efficient. From removing tough stains to getting rid of grime, plenty of cleaning hacks can change your approach to household chores. Here are 15 clever cleaning hacks professionals don’t want you to know. Vacuum Differently While vacuuming ... Read more

7 Ways Working From Home Might Be Triggering Migraines

May 03, 2024

Working from home has become the norm for many, especially after the pandemic. While remote work may allow you to reduce your commute time, offer a flexible work schedule, and make it easier to complete more work, it also presents another set of challenges. Certain factors at home could negatively affect your health and trigger ... Read more

12 Things Middle-Class Americans Never Buy

May 03, 2024

The middle class is mainly characterized by stability, comfort, and a particular level of affluence. Most people in this income bracket can afford a home, own a car, go on a family vacation, and send their kids to college. However, while the middle class can afford most items, some things and experiences are still beyond ... Read more

8 Time-Honored Practices Our Grandparents Followed That We Should Bring Back

May 03, 2024

Remember how your granny would sit to sow clothes or when your grandpa had a large toolbox to fix broken stuff around the house? With modern conveniences and easy accessibility to things, it’s easy to overlook the wisdom of past generations. Although our grandparents lived through tough economic times, they always found ingenious ways to ... Read more

16 Ways to Sleep Better Tonight, According to Experts

May 02, 2024

A study by the American Sleep Association revealed that up to 70 million adults in the U.S. are affected by a sleep disorder. Another survey by WebMd on over 2,000 people discovered that 36% of those interviewed only got 5.7 hours every night, short of the recommended seven hours. While occasionally not getting enough sleep ... Read more

14 Frugal Living Tips Average Americans Need to Know

May 02, 2024

Mastering the art of frugal living has become essential for most average Americans looking to stretch their dollar further and build a secure financial future. With the rising cost of living and expenses outpacing our income, there’s a need to find creative ways to ensure sustainability while still saving money. Read on as we explore ... Read more

12 Tips for Entertaining on a Budget

May 01, 2024

It is exciting to be able to host your friends or family for a casual barbeque, a themed party, or a game night. However, entertaining may be expensive without the right planning, especially if you incur all the food and drink costs. Creativity and strategic planning allow you to host a memorable party without draining ... Read more

8 Items Frugal People Buy at Aldi’s

Apr 30, 2024

While the cost of living continues to skyrocket and many essentials become expensive, frugal people know where to shop to maximize their dollar and get value for money. Aldi offers a wide selection of products at affordable prices that you won’t find at Target or even Walmart. Here are eight items frugal people always buy ... Read more

12 Grocery Items Frugal People Proudly Exclude From Their Shopping List

Apr 30, 2024

Grocery stores provide the convenience of getting your everyday essentials all in one place. However, these stores have also devised strategies to get you to buy extra items that you don’t need. Frugal people are deliberate with their spending and prioritize essentials while excluding unnecessary items. That allows them to save money and reduce food ... Read more

5 Credit Card Red Flags You Need to Be Aware Of

Apr 29, 2024

Credit cards offer flexibility, convenience, and the ability to enjoy certain rewards. As a novice looking to get your first credit card, you’ll have endless options, and the process can be overwhelming. Learning that credit cards also come with risks you must be aware of further complicates the process. Understanding the risks and spotting certain ... Read more

12 Jobs That Hire Retirees Quickly and Pay Well

Jul 23, 2024

Contrary to the perceived notion that seniors are supposed to rest and relax after retirement, research shows that many retirees and seniors are getting back into the job world. The U.S. Bureau of Labor Statistics estimates that 40% of people over 65 will be working by 2030. Some return to work to pay off debt, ... Read more

14 Old-Fashioned Frugal Tips From Grandma

Apr 28, 2024

With the rising cost of living, you may wonder if it’s still possible to live within your means and manage with limited income. The good news is that you can live within a budget and even save with little adjustments. Our grandmas survived the Great Depression and long periods of rationing without ever going into ... Read more

13 Powerful Frugal Living Tips That Have Changed People’s Lives for the Better

Apr 28, 2024

Being frugal doesn’t mean getting the cheapest item in-store, spending all your time couponing, or depriving yourself of something good. It’s all about making smart money moves to help you achieve your financial goals. Whether it’s paying for your mortgage or going abroad on vacation, practicing frugal living can help you achieve your dream. Here ... Read more

How to Live Like a Boomer on a Budget: 15 Frugal Living Tips

Apr 27, 2024

Being a boomer on a budget doesn’t necessarily mean being cheap or opting for things that compromise your quality of life or happiness. You can still thrive and enjoy a financially secure life by living frugally and being mindful of your spending. Here are 14 frugal living tips to help you embrace a sustainable financial ... Read more

13 Ways to Save Money That Frugal People Often Overlook

Apr 27, 2024

Being frugal allows you to spot money-saving opportunities in hidden places. Although you may have a few tricks up your sleeve, several overlooked strategies can significantly impact your finances. Here are 13 often overlooked ways frugal people can leverage to maximize their saving Conducting Home Energy Audits Conducting a home energy audit can help ... Read more

13 Signs You’re Financially Worse off Than the Average American

Apr 26, 2024

A report by Payroll.org revealed that 78% of Americans live from paycheck to paycheck. That’s a 6% increase from the previous year, showing that many more Americans struggle financially and cannot save or invest after paying their monthly expenses. While certain conspicuous signs indicate that you may be financially in trouble, some are subtle and ... Read more

7 Tips for Picking the Best Bank Account For Your Needs

Apr 25, 2024

There are countless bank account options, whether you’re looking for a bank account to save money, conveniently deposit your salary, or a platform to pay bills electronically. Most banks have accounts with different features, interest rates, maintenance fees, etc. With the overwhelming number of options, you may wonder how to settle on the best bank ... Read more

12 Everyday Necessities Frugal People Never Buy

Apr 25, 2024

Contrary to popular belief, being frugal isn’t about depriving yourself of good things or being cheap on every purchase. Frugality is about spending intentionally and finding creative ways to reduce waste and save money. Although buying items like toothpaste, shampoo, paper towels, and dish soap may seem ordinary, you’ll be surprised to learn that most ... Read more

14 Foods Frugal People Always Make at Home Instead of Buying

Apr 25, 2024

Being frugal is about living within your means and ensuring every dollar adds value. Over recent years, homemade food alternatives have grown more popular than store-bought versions for various reasons. Besides reducing the environmental impact, making food at home also guarantees healthier meals and saves you money. Here are 14 foods frugal people always make ... Read more

12 So-Called “Frugal” Habits That Are Actually a Waste of Time and Money

Apr 23, 2024

Being frugal is an excellent way to live within your means to achieve your financial goals. However, in some instances, some frugal habits can lead you to poor choices that could be costly and affect your quality of life. Let’s talk about some so-called frugal habits that waste time and money. Extreme Couponing for Products ... Read more

13 Ways to Help Pay Rent This Month

Apr 23, 2024

Financial experts advise spending 30% of your gross income on rent. Unfortunately, that’s not always possible, as rent prices have increased steadily over the years. Research shows that the average rent has increased by 8.7% every year since 1980, which is much higher than the inflation rate. While you may be able to cover daily ... Read more

13 Things Frugal People Absolutely Never Need to Buy

Apr 23, 2024

In a world where consumerism is promoted, and we’re constantly bombarded with multiple marketing campaigns, it’s easy always to feel unsatisfied and want to buy things we don’t need. Sadly, most of these items waste money and clutter our spaces without adding any real value. It’s never too late to cut out the excess and ... Read more

13 Greatest Tips for Living as Cheap as Possible

Apr 24, 2024

Being able to pay off your debt, pay down your first house deposit, or travel to your favorite destination seems unachievable, especially when living from paycheck to paycheck. Interestingly, you may be surprised that you can achieve all your financial goals if you eliminate or reduce some of your expenses. The good news is that ... Read more

12 Retirement Mistakes Everyone Makes

Apr 24, 2024

Retirement should be a time when you get to relax, travel, and enjoy your free time without any work responsibilities, long commutes, or endless board meetings. Unfortunately, that’s a dream that most people never attain due to poor financial planning. While retirement should primarily be about spending your hard-earned money, overspending could quickly deplete your ... Read more

12 Ways to Escape Debt Without Breaking the Law

Apr 24, 2024

Thinking about debt can be overwhelming, leading to stress and anxiety. Debt also limits your financial freedom, making saving money and planning for the future challenging. While debt can feel like suffocating weight, there are various legal strategies you can use to escape debt and regain control of your finances. Here are 12 ways to ... Read more

13 Odd Things Millionaires Do With Money, but Most of Us Haven’t Tried

Apr 22, 2024

I’m sure you’ve heard things like the rich are wealthy because they inherited their money, millionaires are special, or the rich have more connections. Surprisingly, research shows that only 20% of millionaires earned their title through inheritance. The rest started from scratch and built their wealth over time. What separates the rich from the rest ... Read more

13 Things the Lower Middle Class Can’t Afford Anymore Due to Inflation

Apr 22, 2024

As inflation tightens its grip, experts believe the middle class will find it challenging to cover essential expenses such as healthcare, college fees, and housing. The U.S. Labor Department revealed that the annual inflation rate was 3.5% for the year ending in March, higher than the previous rate of 3.2%. Being aware of these rising ... Read more

13 Easy Frugal Actions That Are Getting Us Through 2024

Apr 22, 2024

The Bureau of Labor Statistics estimates that the inflation rate was up by 0.4% in February. With fluctuating living costs and uncertain economic times, there’s never been a better time to exercise frugality. Adopting a frugal mindset allows you to overcome any financial constraints and creates a sustainable lifestyle. These are some frugal living hacks ... Read more

12 Services That Poor People Spend on That the Rich and Middle Class Don’t

Apr 21, 2024

Belonging to a specific social class influences your spending preferences and priorities. The rich and middle class may experience more happiness from purchasing experiences, while lower-income individuals may find that material purchases make them happy. Despite the economic disparities, you may notice that the poor are likely to spend more on services they deem convenient ... Read more

14 Actionable Wealth-Building Hacks Anyone Can Use

Apr 19, 2024

Can you build wealth with little money or on your current income? That’s a question most people struggle with, especially when you have bills to pay, kids to put in school, and other expenses. Fortunately, with the right strategies and habits, anyone can start building wealth despite their current financial situation. Find out more as ... Read more

The 12 Best Countries to Move to for Retirement

Apr 18, 2024

While the average cost of retirement in the United States depends on the state, research by Go Banking Rates reveals that you may need up to a million dollars to live comfortably in the U.S. Unfortunately, most retirees can’t save that much. They might opt to relocate to live on a lower income without interfering ... Read more

14 Things Poor People Waste Money on That Middle Class and Upper Do Not

Apr 16, 2024

While different socioeconomic groups have unique spending habits, specific patterns set them apart. For example, the rich won’t be afraid to spend on more healthy foods; the poor will spend most of their money on bills. Interestingly, each group wastes their money differently. Here are 14 things poor people waste money on that the middle ... Read more

13 Legit Ways to Make Extra Cash to Supplement Your Current Income

Apr 16, 2024

Going on a vacation or clearing that high-interest debt seems like an unachievable dream for most people surviving on limited funds. Your income may be paying bills, feeding the family, or getting your children a decent education. Fortunately, you don’t have to live paycheck to paycheck as there are multiple legit ways to make extra ... Read more

13 Side Jobs You’ve Never Heard of That Could Make You Up to $500 This Week

Apr 15, 2024

Relying on one source of income can be daunting, especially if you have several financial obligations. Fortunately, it’s never too late to earn extra income, whether you’re thinking of a side hustle or unsure about what side gig to explore. Here are 13 side jobs you’ve never heard of that could make you up to ... Read more

12 Simple Ways to Pay Off Your House ASAP

Apr 13, 2024

Have you ever imagined a life without having a mortgage payment? You would go on that dream vacation, buy your dream car, or even invest in your children’s education. Paying off your house is a significant financial goal that most people strive to achieve before retirement, but one that seems so far-fetched. Fortunately, it’s still ... Read more

16 Highly Unnecessary Things Adults Waste a Fortune On

Apr 13, 2024

Building wealth and achieving certain financial freedom is a dream that most people wish came true. Sadly, most people cannot achieve their financial goals due to unnecessary spending and poor financial decisions. Cutting down your expenses won’t make you rich overnight, but it could save you money that you can invest in other income-generating activities. ... Read more

13 Signs You’re Financially Better Off Than the Average American

Jun 13, 2024

14 Companies That Will Give You Free Food and Products Just for Asking

Jun 11, 2024

More companies are now offering free samples to get customers to try a new product. Over time, these companies gain loyal customers and can increase their sales. As a customer, you also get to test out free products and sample foods you’ve never tasted. Read on as we explore some companies that will give you ... Read more

12 Creative Ways to Boost Your Wallet by $500 This Month

Jun 10, 2024

What would you do with an extra $500 this month? You could pay your bills without dipping into your savings, pay off student loans, save for that dream vacation, or even start your investment journey. You can make money quickly in multiple ways, whether through passive strategies or using what’s available. Here are 12 creative ... Read more

13 Remote Jobs That Don’t Care About Your Fancy Degree

Jun 08, 2024

Due to financial constraints, getting a degree isn’t an attainable goal for some. The good news is that you can still make a full-time income without having a degree. More companies are now hiring people for remote jobs if they have specific skills. There are also perks like growth opportunities and competitive salaries in these ... Read more

13 Steps Average Americans Should Take to Retire a Millionaire

May 27, 2024

Retiring a millionaire might seem like a far-fetched dream. However, you can achieve any financial goal with the right strategy and discipline. Taking a few steps could help you attain seven figures by the time you retire. Here are some 13 surprising steps to take to retire a millionaire. Start Saving for Retirement Now ... Read more

12 Things the Middle-Class Spends Money On That Keeps Them Poor

May 27, 2024

The middle class makes up half of the American population, with the majority earning an average income of $40,000-$120,000 annually. While this amount is enough to sustain an American lifestyle and even build wealth, you’ll be surprised that most individuals in the middle class are living from paycheck to paycheck and have nothing left to ... Read more

13 Simple Things Millionaires Do That Separate Them From The Middle-Class

May 26, 2024

Some misconceptions are that most millionaires inherit their wealth, have degrees from prestigious universities, or are savvy investors, which are just myths that could be keeping you from building wealth. You’ll be surprised to learn that most millionaires build their wealth independently and take calculated risks when considering investments. Becoming a millionaire doesn’t necessarily mean ... Read more

12 Things You Must Do to Start Making $1K a Month in Passive Income

May 25, 2024

With the rising cost of living, inflation, and other challenging economic conditions, getting extra income could help you build a reliable financial cushion and achieve your financial goals. Creating a passive income strategy is an excellent way to earn more money and meet your financial obligations. These are some of the best ways to earn ... Read more

12 Ways to Be a Frugal Friend Without Being Rude and Cheap

May 24, 2024

Being frugal sometimes means living below your means and sticking to a tight budget. However, explaining this lifestyle to some friends and family can be daunting and may sometimes come off as rude if you were freely spending money before. Fortunately, you can still preserve your friendships without compromising your financial decisions. Here’s more on ... Read more

I’m A Frugal Living Expert: 13 Monthly Bills Frugal People Never Pay

May 24, 2024

Sometimes, life happens, and you end up losing your job, spending a lot on medical costs, or caring for an elderly parent full-time. In such a case, cutting costs can help you manage your living expenses. While there’s pressure to pay our bills on time, you’ll be surprised that there are bills you can skip ... Read more

13 Effortless Ways to Start Investing for Any Budget

May 24, 2024

One of the common misconceptions is that you need to be wealthy to invest. That’s one of the limiting beliefs that have made investing intimidating for people on a limited budget. Fortunately, it’s never too late to start investing. There are a lot of investment options for beginners with little money. Here are 13 effortless ... Read more

13 Tips on How You Can Build and Manage Your Wealth After 40

May 24, 2024

Turning 40 is a life-changing milestone. It’s when you reflect on your previous years, review your current situation/achievements, and determine what’s next. Building wealth in these prime years is critical if financial stability is part of your long-term goals. The decisions you make now will impact your life significantly. 40 is almost approaching middle age, ... Read more

15 Things Frugal People Swear They Never Do

May 23, 2024

When the word frugal is mentioned, the first thing that comes to mind is being cheap. Contrary to popular belief, being frugal is not about getting the cheapest item on the list or being miserable. Still, it’s about making intentional decisions about spending your money. You can still be frugal and enjoy your life. Here ... Read more

Fly, But Make It Frugal! 15 Ways to Find Cheap Flights Online

May 21, 2024

Getting a good deal on your flight feels like hitting a jackpot. But let’s be honest, finding a cheaper flight isn’t always black and white, especially when your travel dates are peak season. Fortunately, you can still use some tips and tricks to get a good deal. Here are 15 ways you can use to ... Read more

12 Mistakes That Can Deplete Middle-Class American’s Retirement Savings

May 20, 2024

Retiring can be exciting, but it is also a learning curve for most retirees. Unfortunately, it’s also the time most people make costly financial mistakes that can impact their savings. Our detailed guide lists some common mistakes that can deplete your retirement savings. Avoiding these mistakes can help you achieve financial freedom and ensure you’re ... Read more

15 Mistakes Successful Middle-Class Retirees Always Avoid

May 19, 2024

Retirement is an exciting milestone that also comes with its challenges. While retirement planning was previously centered around pension plans that provided a steady income source, things have changed over the years, especially with the introduction of 401K plans. That meant you had to make informed financial decisions to avoid costly mistakes. Understanding that decisions ... Read more

14 Super Simple Life Hacks Everyone Will Regret Not Knowing Earlier

May 18, 2024

Let’s be real. Life can sometimes be challenging, and knowing a few hacks can simplify and make our lives more enjoyable. While there are multiple ideas on the internet you could implement, a few tried and tested life hacks have proven useful. Read on as we list some essential life hacks you’ll regret not knowing ... Read more

15 Side Gigs That Make More Money Than a Full-Time Job

May 18, 2024

Having some extra money on the side can help you offset a student loan debt, pay for your first home downpayment, or build up an emergency fund that will cover your expenses in a tough time. While there are multiple side gigs you can venture into, specific ones pay better than a full-time job. It’s ... Read more

14 Ways Frugal People Find Cheap Apartments

May 17, 2024

Are you having a hard time finding apartments for rent, especially if you are on a tight budget? Well, you are not alone. Rent prices have gone up tremendously, making it difficult for many people to find an apartment on a budget. According to the latest rental data from Zillow, rent prices are 29.4% higher ... Read more

13 Jobs That Probably Won’t Be Around in 20 Years

May 15, 2024

Technological advancements will likely change the job market over the next few years. While artificial intelligence and automation don’t translate to job losses, specific jobs will be affected. Here are 13 jobs that will likely won’t be around in 20 years. Translation Jobs The demand for entry-level translators will decline in 20 years, thanks ... Read more

13 Secrets Every Frugal Couple Knows About Managing Money

May 13, 2024

A report by the National Debt Relief revealed that 54% of respondents believe that having a partner in major debt is a reason to consider divorce. Money matters can be challenging to talk about as a couple, especially if it’s something you never watched your parents do, or you’re both struggling to make ends meet. ... Read more

13 Pieces of Dumb Financial Advice That People Still Believe

May 12, 2024

We get tons of financial advice from different sources. Unfortunately, there is a lot of terrible advice online and from some so-called experts. Understanding what is good advice and what is bad will prevent you from making costly mistakes in the future. Read on as we share 13 pieces of dumb financial advice you need ... Read more

12 Things Frugal People Never Do With Their Money, According to Experts

May 12, 2024

A study by Finder revealed that 126 million American adults admitted to having made a money mistake once in their lifetime. That goes to show that money mistakes are common but are also avoidable. Our detailed guide explores some things experts agree you should never do with your money. Spending More Money Than You Earn ... Read more

15 Clever Traditional Saving Techniques for Contemporary Times Efficiently

May 05, 2024

A simple Google search for the best money-saving tips will have you spoilt for choice. The internet has multiple money-saving techniques, from creating an interest-earning account to automating savings. But did you know there are still some traditional saving techniques to help you save a ton of money.? Our grandparents never had access to technology ... Read more

15 Ways to Save Money That Your Grandma Will Approve

May 01, 2024

Remember how grandma would cook everything from scratch, sew torn clothes, and even preserve old fruit for winter? All these tricks helped them put food on the table, pay their bills, and educate their children. While some grandma’s advice may have been frugal from necessity, it still applies today. Read on to learn more about ... Read more