Raising Your Score: 3 Ways to Raise Your Credit Score Without Stress

When the monthly statements roll in, it can be very stressful. You know that the best way to raise your credit score organically is to pay everything off over time. In the process, you take on extra work, sell off valuables, and adhere to a strict budget. This adds to the stress. But what about any other tricks and hacks you can use to get a better score? Here are three lesser-known, low-stress ways to improve your credit. 1. Lower your credit utilization rate. You need better credit to get loans for a car, a home, or schooling. When you […] Read more »

Ignore Financial Distractions

Small birds swoop constantly at my head every time I mow my backyard. My wife is astonished I can just ignore them. I just shrugged my shoulders, and explained I know they’re not going to actually hit me, and I have a job to do and I want to complete it as quickly as possible. Imagine how much longer it would take me to mow my lawn if I would alter my course every time they came near me? I just keep mowing in my straight lines. We can all take a lesson from these swooping birds and learn to […] Read more »

5 Reasons Working from Home is the Cheaper Choice

The number of people who work from home has skyrocketed in recent years. It’s becoming easier for many people to work from home, as many companies are allowing their employees to work remotely part- or full-time. The appeals of working from home are vast as it saves money for employees and employers. Economic Office Equipment Alternatives The costs of running an office can quickly begin to add up. If you’re an entrepreneur with your own startup, the cost of setting up your own home office can easily save money in areas such as office supplies, rental space, and equipment. Your […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 8/3

The hunt for a car has begun.  Not just any car, my daughter’s first car. We want to find that balance between safety, a car she likes, dependability and affordability.  We test drove a Ford Focus today with a backup camera and bluetooth connectivity to her phone. It also had the one major attribute she wanted……it’s blue. Doing some research on it before we think about going any further, but it has potential! Fist pump for first cars, and my favorite posts of the week! Posts That Make Me Fist Pump Should You Be Tracking Your Net Worth? from Young […] Read more »

The Inappropriate Tip Jar

The tipping culture in the United States has gone a little off the rails in recent years, in my opinion. Tip jars appear almost everywhere these days. While I’m not opposed to giving a tip for good service, and even though I don’t agree with it I recognize that some workers rely on tips for their income. However, increasingly I see inappropriate use of the tip jar. I encountered two such tip jar misuses recently. Wine Tour Tip Jars My wife and I went on a wine tour in which we rode a trolley to four different wineries in our […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/27

My wife and I are showing our age today as we have tickets to a concert of the 80’s hair bands Cheap Trick, Journey, and Def Leppard. My wife LOVES Journey and is excited to see them. Of course, we’ll have to remember that standard “captive audience” concert prices will apply to anything we buy at the concert such as $12 adult beverages, $20 event parking, and hot dogs priced more like steak dinner. To get the most value for our money we’ll be parking for free a few miles away and paying $3 each to take the light rail […] Read more »

You DESERVE To Be A Satisfied Customer

Businesses are run by people, which means occasionally mistakes will be made. That being said, customers have basic expectations when spending their hard earned money. When those expectations are not met, businesses have an obligation to do something to make it up to their customers. I recently had two such experiences, which the businesses handled perfectly. Olive Garden Put Me On Hold, Forever I dialed Olive Garden’s number to place my to go order as I pulled out of the driveway. I expected to be told it would be ready in 15 minutes, which coincidentally the amount of time it […] Read more »

How to Reduce Your Outgoings without Affecting Your Lifestyle

I get it. You want to save money, but you don’t want to have to live off baked beans for the next few months while cowering away from the world with your curtains closed. You need to reduce your outgoings to pay off debts or start saving, but you can’t handle the thought of sacrificing your one night a week of eating out and getting merry. Most guides to reducing outgoings are based on budgeting and cutting back on spending habits. That’s solid advice, and you should do that, but these tricks and tips are all about reducing spending while […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/20

This weekend is a gift card weekend for my family.  We’ve acquired several gift cards and we’ll be using them all to keep overall out of pocket spending down.  Here’s what we have: Olive Garden ($25) : I got this gift card to help smooth over a situation which left me waiting for my to go order for over 30 minutes. I’ll use this to buy alfredo sauce and breadsticks and make the pasta at home. Local Burger Place ($10) : I got this gift card to help smooth over a situation where a local burger restaurant forgot part of […] Read more »

Big Changes and Uncertainty Ahead

Major life changes are occurring that may have  significant financial impacts for my family. Both my wife and I have had to make some very difficult employment decisions only time will tell if we’ve made the right choices. Me: Pulling Back On Blogging At my blogging peak I contributed to five different sites, but over the past few years I have slowly decreased that down to two. Recently, I resigned from a site that consumed a very large amount of my time. I decided I would rather spend the time with my family, doing projects around the house, or putting […] Read more »

Secured and Unsecured Loans: Knowing the Differences

  A loan is the amount of money that an individual borrows from a financial institution or a bank for a specified period. A loan is always repaid along with interest. Currently, loans are the best means of getting finance for purposes such as purchasing a car, construction of a house, education or any other venture requirement. Loans fall under two categories namely: secured and unsecured. When a loan is secure, the borrower must pledge some assets to act as security against the loan. On the contrary, unsecured forms of borrowing, such as personal installment loans, do not have any […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/13

Picture sitting outside on a warm summer evening on a deck looking out over a vineyard sampling wines while eating a wood fired pizza. To me, that sounds like a fabulous Friday night with friends.  But how much would such an adventure cost?  Turns out, not that much: Wine tasting (10-12 wine samples) : $9 x 2 people (my wife and I)  = $18 Wood fired pizza: $14 Total price of hanging out with friends enjoying wine, pizza, and the outdoors is a measly $32. This winery sits just a few miles outside our city and has been there for […] Read more »

How Good Is The Lifetime Warranty on Zagg’s InvisibleShield Cell Phone Screen Protector?

  The screen protector on my daughter’s cell phone was cracked, peeling off and in need of replacement. With some cell phone prices skyrocketing near $1000, it’s no surprise people want to protect their mobile devices, and a $40 screen protector can prevent a screen replacement costing hundreds of dollars. My daughter’s screen protector is an InvisibleShield from Zagg with a lifetime warranty, but to my dismay I discovered I had never registered the product. I’d gladly shell out the cash for a new protector if necessary, but would Zagg honor the lifetime warranty even though I’d never registered the […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/6

Today is my wife’s birthday! I’m looking forward to spending some time and celebrating with her.  What do you have on tap this weekend? Fist pump for birthdays and my favorite posts of the week! Posts That Make Me Fist Pump How Successful People Achieve Their Goals from One Cent At A Time Money-Spending Decisions: How to Know When to Splurge from MoneyNing 10 Habits to Reach Financial Freedom in a Hurry! from Life and My Finances 8 Free and Cheap Things to Do with Kids This Summer from Beating Broke   Read more »