“I need to go to the grocery store.” “I have to commute to work.” “My legs don’t work.” Regardless of your excuse, most of us truly believe that we need a car to get around. Unfortunately, owning your own car these days is becoming pretty expensive. With gas prices near $4.00 a gallon, driving to every destination under the sun no longer seems like the financially prudent thing to do. Still, there are ways to get to where you need to go without breaking the bank. Here are a few tips for getting around without putting your finances under stress. [Read more...]
Now, before you get all bent out of shape about the title of this post, let me make one thing clear. I’m not talking about eating expired food, or moldy food, or trash out of a dumpster or anything. I’m talking about eating old food that you’ve been staring at for far too long. You know, like a) food your kids claim not to like, b) food items that you bought in bulk and can’t seem to use up, or c) food that sounded good at the time but no longer does. Since we’re on FALL FINANCIAL LOCKDOWN, we’ve decided that we’re going to eat up all of our extra food in order to come in under our monthly grocery spending goal of $500. So, with that being said, would you like to join me? But, wait…you don’t have to commit quite yet. Before you pledge to eat your old food, let me first explain our strategy. [Read more...]
After my vacation to Mexico last week and my complete budget breakdown, I’ve realized that it’s time to get serious again. It’s time to start watching pennies and nickels and sticking to my budget come hell or high water. Why? Because sticking to a budget is one of the best things we have ever learned to do. When we started budgeting a few years ago, we made huge financial progress. Here is what we have accomplished in the last 30 months:
- We’ve paid off almost over 120K in debt (includes car loans, student loans, personal loans, credit card debt, and part of our mortgage)
- We’ve worked our way to a savings rate of over 50 percent
- We started building college funds for our kids
- We have a year’s worth of living expenses in cash savings [Read more...]
As I mentioned a few weeks ago, I found a pretty bangin’ Expedia deal for me and my friends to stay at an all-inclusive resort in Playa Del Carmen, Mexico for about $800 smackaroos each. We went, we had fun, and we conquered. Unfortunately, part of the cheap package included pretty crappy flights for our trip. In fact, we actually had two separate layovers on our way home. Our first plane also left at 1:55 a.m. which meant that I spent a good part of Sunday morning sleeping on an airport floor in Mexico City. Yuck. [Read more...]
If you read my blog, you’ve probably noticed that I never post any specific income numbers. I stay pretty vague most of the time and I generally don’t tell people how much cash money I bring in. I’ve been hesitant to do so for several reasons:
- Since I am not anonymous, people I know actually read my blog
- The majority of my income is from freelance writing and I didn’t want to mislead anyone into thinking that all of my income is from my blog
- It made me feel very vulnerable [Read more...]
Club Thrifty: Hello Melissa, and thanks for being with us today! Tell us a little bit about ShopAtHome.com?
Melissa: ShopAtHome.com is a site that shares thousands of coupons on nearly everything. In addition to providing coupons, we also work directly with retailers to negotiate Cash Bach rewards for our users.
CT: Sounds cool, but how does it save you money?
MH: We aggregate best of the web deals and share them through email, social channels and our site to help you save on everything you buy. We also scour the web and have a few hundred thousand coupons on our site at any given time. There are lots of coupon sites out there, but they aren’t created equal. They all receive a commission from retailers for sending them traffic, but what makes ShopAtHome.com different is that we share a portion of that commission back with our users in the form of Cash Back. That means that just by going through ShopAtHome, you’ll get a portion of your purchase sent back to you in cold hard cash (okay, it’s actually a check, but you get the idea……)
CT: Are there buying patterns we should know about? When should we buy what? What coupons and deals circulate when? [Read more...]