Diversifying your income sources to online trading

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  A report released by the Trades Union Congress in the UK shows that about 3.2 million households in the UK are spending more than 25% of total household income on unsecured debt repayments. This current situation puts households at a constant state of budget deficits and augments the debt burden for both individuals and households across the UK as they struggle to keep up with the expensive living standards in the country. For most UK citizens, finding an additional source of income becomes mandatory for their own survival. It is common practice to find an average UK citizen having […] Read more »

A Frugal Fun Spa Night For Teens

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If you are or have been the parent of a teenager, you know they love to hang out with their friends, but finding new, fun and exciting things to do is sometimes a challenge. My daughter enjoys having her friends come to our home, but she’s constantly worried that they always do the same thing and tries to come up with ways to make each get together unique. Whenever possible, my wife and I try to find inexpensive ways to help her out and this weekend we had the opportunity to make a sleep over with her friends a night […] Read more »

Budgeting your way out of monthly debt cycles

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Debt can be a blessing or a curse for you and your household depending on how much of it you have, how much you are accumulating over time and how well you manage it. Borrowing to finance development projects is always a good idea if the rate of return is above the interest rate charged on the borrowed funds. On the other hand, borrowing to finance you’re your recurring monthly expenses can lead you into a debt trap that will be difficult to get out of. Balancing between what you need in your life and whether financing it through borrowed […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/16

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We’re anticipating the arrival of a snowstorm in Minnesota that will dump somewhere between 6-12 inches of snow on us between today and tomorrow.  In anticipation of not being able or wanting to leave the house for the next day or two, I went to the grocery store to pick up some essentials.  Well, that was my intention anyway.  I ended up full fledged grocery shopping.  I guess I should have had a list……. Fist pump for snow storms, and my favorite posts of the week! Posts That Make Me Fist Pump What Can I Pay Out of My HSA? […] Read more »

Nobody Cares About Your Insurance Benefits But YOU

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Don’t think for an instant that insurance companies care about saving you money on your medical expenses. It’s your job to make sure they cover everything your plan provides, and that the money actually gets where it’s supposed to go. If you don’t, you could pay hundreds or thousands of dollars too much out of your pocket. My daughter got braces on her teeth earlier in the year. Our insurance provides orthodontic coverage of 50%, with a lifetime maximum benefit of $2500. Each month the orthodontist sends the insurance company a bill for $229 and in return the insurance company […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/9

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I’ve held off as long as I could, but I can’t prevent it from happening any longer. I’ve knocked out a HUGE chunk of my Christmas shopping by just sitting in front of the computer, typing and clicking, then waiting for the packages to arrive.  Unfortunately I’ve reached the point in the program where I need to go to physical brick and mortar stores to complete my shopping.  Wish me luck.  How much of your shopping have you done online this year?? Fist pump for online shopping, AND my favorite posts of the week! Posts That Make Me Fist Pump […] Read more »

Subway Is Paying For My Lunch For The Next Few Weeks

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It was a great feeling knowing I was about to save some money. That was the thought going through my mind as I paid may bill at Subway over the weekend. Saturday Subway for lunch is a tradition in my family, and I’ll be getting a free sub every time I go to Subway for the next few weeks, until the current promotion ends. The Promotion Subway is running a promotion in which customer’s get a free six inch sub sandwich if a $20 gift card is purchased. The cool part of the promotion is that the customer can get […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/2

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Happening this weekend is the annual Pizel family Christmas season kick-off.  We’ll put up the tree, as well as decorations around the home, and then watch National Lampoon’s Christmas Vacation.  After these activities are complete, it is officially the Christmas season.  The entire family enjoys it, it’s time we spend together bonding and making memories, and it doesn’t cost us a cent! Get your fists up for fun, inexpensive family time AND my favorite posts of the week! Posts That Make Me Fist Pump Seven Reasons Being Frugal is Awesome from Club Thrifty 13 Costco Money Saving Hacks That Save […] Read more »

How Costco Can Save You Money On Gasoline Even If You’re Not A Member

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One of the selling points of a Costco membership is that members can fill up their tanks for less at Costco. People shell out their $55 membership fee believing they’ll make up the fee simply by buying gas at Costco. The good news for people not interested in a Costco membership is they can take advantage of Costco gasoline prices without even being a member. Over the weekend I discovered something I’ve coined, “The Costco Effect.” My gas gauge was hovering just above ‘E,’ and I was looking to fill up. I checked prices on my way to the gym […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 11/25

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Happy Black Friday, EOD Nation! Once again I saved hundreds of dollars with my Black Friday shopping.  I saved hundreds because I didn’t go.  I slept in, and both my mind and my wallet are well rested.  I did pick up a paper, and will look through them this morning and if there’s anything of interest as part of an all day or weekend sale.   Did you go Black Friday shopping? Fist pump for a great night sleep, and for my favorite posts of the week! Posts That Make Me Fist Pump 5 Reasons I’m Skipping Black Friday This Year […] Read more »

I’m Not Spending a Penny On My Wife For Christmas, and She’s Going To Love It

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I’m not spending a penny on my wife for Christmas this year, and she’s going to absolutely be thrilled about it. With the holidays approaching, conversations of gift ideas are being had between spouses, family members and friends. My wife and I were having a discussion about tasks that needed to be done yet to prepare for hosting Thanksgiving at our home. She got a little off topic, listing other less Thanksgiving critical tasks she wanted to have done. Sensing I was about to go into my usual speech about prioritization and doing only the things absolutely needing completion by […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 11/18

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My wife and I are hosting Thanksgiving at our home next week, so this weekend is all about prep work. A local grocery store is having it’s traditional “buy a ham get a free turkey” sale.  I’m all about taking advantage of that deal.  Additionally, I’m firing up my smoker and making a brisket.  Are you making a Thanksgiving meal this year?  How do you keep the cost down?   Posts That Make Me Fist Pump How To Talk To Your Spouse About Money from MoneyNing Are You Wasting Time To Save Money? from Boomer And Echo How Budgeting Changes […] Read more »

5 Ways To Appreciate Your Special Someone For Under $10

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Relationships are hard work. When a person is in a committed relationship it’s easy to take it for granted, and stop doing those little things to impress and show appreciation towards your significant other that you did when the relationship was fresh and new. Jobs, kids, what to make for dinner and a thousand other tasks of day to day life dig a rut that’s easy to get stuck in. When as a part of that relationship you combine finances and target every dollar towards something, it’s also difficult to break off some funds to go that extra step for […] Read more »

4 Situations When a Reverse Mortgage Makes Perfect Sense

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If you own a TV, then you have seen the commercials about reverse mortgages.  While you may have been intrigued, you might not know what a reverse mortgage is for and when is the best time to get one.  This is further complicated by the fact that reverse mortgages do not function in the same way as traditional mortgages.  With that in mind, let’s look at four situations when a reverse mortgage makes perfect sense. First, what is a reverse mortgage?  Unlike a traditional mortgage, a reverse mortgage is a way for seniors to either freeze their monthly mortgage payments […] Read more »