house

6 Strategies For Saving Money On Your Mortgage

Now that I am the proud owner of a new mortgage of my rental property, I’ve been thinking about how quickly I can pay this loan off and reduce my mortgage costs. What I’ve realized is that paying off a large loan such as a mortgage can seem decades away, but if you apply a few strategies, not only can you pay your mortgage off faster, but you can save thousands of dollars in the process.

I’m all about having this as simple as possible, so I looked for the easiest ways to get both of these tasks accomplished. Today I present you with six simple ways to reduce your mortgage costs. Let me know which one you might try. […]

thift shopping

Thriving on Thrifting!

The following is a guest post from Crystal Stemberger over at Budgeting in the Fun Stuff.  Her daily posts cover her expenses, savings, and what she spends on the fun stuff in between.

If you are a reader here, I assume you appreciate “cheap”…at least once in a while.  I am a HUGE believer that we can all afford anything, we just can’t afford everything.  Along those lines, I prioritize and spend more where it matters most for me (our physical home and travel) and less on pretty much everything else.  […]

do it yourself

3 Simple DIY Projects That Will Save You Money

You might hear the words, “Do it yourself” and the butterflies in your stomach awaken (and bounce around for a while). I admit that there are quite a few stories out there where a DIY project has gone terribly wrong and may have even cost the homeowner more (after something has exploded) to eventually get the issue fixed by a professional. But, for every one horror story, there are at least 10 success stories.

With all of the help out there online, there is certainly enough information to learn how a project is done, and that DIY project can typically be completed with ease and for an incredibly minimal expense. Throughout my life, I have learned a few DIY tricks that save me hundreds of dollars every time! […]

carpets

My Carpets are Ruined! Will My Homeowners Insurance Replace Them?

When many people think of a home insurance claim, they think of major damage, such as storm damage, fires, floods, and other potentially catastrophic events. The idea of homeowners insurance in most people’s minds is to protect you and your family from damage so extensive that you’d never be able to afford fixing it on your own in a reasonable amount of time.

In other words, your savings account might not cover the cost of fixing that gigantic hole in the roof, but you need to find a way to keep your family out of the rain tomorrow. […]

shop online

Don’t Buy Without a Discount

How often do you shop online? Do you ever get to the checkout page and realize that the promotion code box is blank and it drives you crazy? I sometimes spend 5-10 minutes searching for a code because I am sure that there has to be one out there. And, if I don’t find one I feel like I’m getting ripped off by paying full price! My motto is, “Never Buy Without a Discount.”

Recreation
Many times, recreation is a spur of the moment decision, but it doesn’t mean that you should always pay full price to have a good time. If you are heading out to go bowling, check the website of the bowling alley that you plan to go to. Most alleys have promotions going on – whether it be “all you can bowl” for an hour, or buy a game get one free. There are deals everywhere! […]

doctor - Jobs

3 Jobs Where the Long Hours Actually Pay Off

Many people tend to complain about their jobs, this could be because they don’t like their job or because they think that it is “hard.” There’s a notion that working long hours really doesn’t pay off in personal satisfaction and you should have time for other activities. This paradigm is wrong, however, when it comes to these careers. People with these jobs work big hours and get paid big money, which is the American way.

Doctors/Nurses

You probably knew that this occupation would be on the list. Many people with the hopes and dreams of becoming doctors have to look at their time as a long-term investment. Some doctors in their residency work the longest hours of their career. These can be anywhere from 80-100 hours of work at a generally low salary. This goes on for a full year or even multiple years depending on what specialty the doctor is going into.

Then the doctor can be hired on by a hospital after this, the hours get shorter by an incremental amount though. The pay is the thing that increases immensely after the residency is over. Nurses also experience the plight of working long hours, which nearly always rise well above and beyond 40 hours per week. This can range anywhere from multiple 12 to 16 hour shifts during the week. […]

solar-money-house- solar energy

Energy Savings: How to Use Solar Energy as Leverage

Renewable power sources are getting quite popular these days with the ongoing campaign to go green. Out of all the renewable energy sources, solar energy happens to be one of the most popular among households as energy from the sun can be harnessed with the use of solar panels and estimating the amount of your cash outlay can be done easily with the price estimator from AGL Solar Energy. Many homeowners decide to install solar panels for the desire to go green and at the same time decrease their dependence on local energy sources. With the rising cost of energy, it would be to the benefit of every family to look for ways and means to decrease their electric bills without being deprived of using their gadgets and appliances and this can be best done by using solar energy. Here’s a list of the reasons why going for solar energy is advantageous for you: […]

cheap healthcare - health insurance

The Cheap Way to Do Obamacare

Have you logged on to the Healthcare.gov website yet? Yes, the website’s experiencing a few glitches and registration issues, but it’s worthwhile to log on now and poke around the site just to see your options – then go register in two weeks after the registration problems have been solved.

The biggest thing you’re hearing from news organizations is “if you already have health insurance, you don’t have to do anything.” Well, that’s all fine and dandy for people who like to do things the normal way, but it isn’t the best option for people who like to do things the cheap way.

If you’re the kind of person who’s reading this site, you’re probably already skilled at sussing out the cheapest airfare, cuts of meat, and other basic life expenses. Now it’s time to learn how to find the cheapest health insurance under the Affordable Care Act, as well as what to do about other types of insurance. […]

qatar skyline - Qatars

The Brightest Star in the Middle East: Qatar’s Economic Outlook

The relatively small sovereign Arab state of Qatar is earning itself an increasingly impressive economic profile. Having won the bid to host the 2022 World Cup the state is fast making a name for itself a major economic player on global level.

Qatar’s domestic assets are significant, with savings accounts from local and national banks in an incredibly healthy condition, but how exactly did Qatar’s economic outlook get to be so bright? We take a look at the major reasons. […]

credit score

Your Credit Score: What Is It and How Can You Improve it?

According to The Big Picture, as of 2010, 25% of Americans had bad credit scores which could be extremely harmful if you’re trying to stay debt-free in this difficult time.  So what is a credit score?  And how can you improve it to ensure you never declined for credit reasons?

What is your Credit Score?
If you want to take out a bank loan, mortgage, a mobile phone contract or even if you want to finance an expensive item, the provider will check your credit score to see whether you’re an acceptable financial candidate for their product. […]

AIG

When Insurance Companies Fail: A Case Made For the AIG Bail Out

Just about all of us recall the events that transpired back in 2008 which led to the United States’ financial melt-down and a whirlwind of debate over one question: “Do we bail them out, or do we not?” Part of the “we” in this scenario was AIG – American International Group – the insurance giant; a nickname that is wholeheartedly deserved. To visit a more reputable life insurance company, click this link.

If you stuck a thermometer into the United States around this time, you’d see a boiling spike anytime anyone mentioned spending taxpayer dollars to bail out anything, however, the ultimate decision to bail out AIG wasn’t made lightly and could have very well saved us from what’s been dubbed “financial apocalypse”. It may sound like a dramatic exaggeration, but let’s examine. […]