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Why You Need to Pay Yourself First Even if You’re Broke

Surely you’ve heard the advice to “pay yourself first,” but what happens if you never have any money left after the bills are paid? When you wake up every day and the bills are piling up, you’ll wish you had followed this simple piece of financial advice sooner. Now you’re broke, and the money is gone. How can you possibly pay yourself first now? Why should I pay myself first? Paying yourself first sounds easy....

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Expert Hacks to Travel With Only a Carry-On

Traveling with luggage is a hassle. From waiting at the baggage carousel to the added fees the airlines charge to check a bag, it’s stressful and can get quite expensive. The secret to worry-free flying is to travel with only a carry-on suitcase. But is it possible to fit everything you need using only a carry-on? Is Traveling with a Checked Bag Really that Bad? If you’ve never had a bad experience traveling with...

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The Key to Finding Travel Deals for your Next Family Vacation

Family vacations are one of the most rewarding and adventuresome ways a family can spend their time together. However, planning a family vacation can be stressful, especially when trying to find a deal. There are no shortage of travel destinations, but not all places are created equal and costs can vary by thousands of dollars. How can you save your family money this year when planning a vacation? Be Flexible. The reality of budget...

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Cheap Gifts for Teachers (that they won’t re-gift!)

The two most stressful times of your child’s school year are the beginning and the end. At the start of the school year, there are open houses, new class schedules and getting back into the normal routine after a long, lazy summer. As for the end of the school year, there’s the issue of finding the perfect gift for your child’s teacher. Best Cheap Gifts for Teachers This is something I struggle with every...

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Five Tips for Saving Money in Your Everyday Life

Greetings, money savers! If you read my blog A Theory of Change, you know saving money is one of my favorite things. So today I’ll share five easy tips for saving money, so you can set aside a little of your hard-earned cash going forward. Stop paying too much for banking Do you know how much you’re spending on bank fees? If not, you’re not alone. A lot of people don’t pay attention to...

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Crush Your New Years’ Resolutions with these Top Personal Finance Blogs

We’re half-way through the month of January. How’s your New Years’ Resolution coming? Even though I started with the best of intentions, I caught a bad case of bronchitis (with an incessant cough that’s driving my poor husband crazy) and I haven’t made any progress. But it’s not too late! Now that I’m on the mend, I need some motivation to kick my 2018 money goals into high gear. What do you do when...

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Six Frugal Habits You Need Now

Control your financial future with these top 6 habits of frugal people Getting your spending under control isn’t easy. Sometimes it’s a daily struggle! If you’ve ever wondered what makes frugal people so good at being… well… frugal, you’ve come to the right place. There are a lot of smaller behaviors we can change to increase our financial control. For my husband and me, we conquered our savings goals by setting up our savings...

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9 Money-Saving Christmas Traditions

This week, I’ve teamed up with to bring you the best money-saving Christmas traditions. Don’t miss a beat – keep reading! Christmas is almost here! A time for celebrating with our families and friends, for giving and receiving, and for parading around in your tackiest Christmas sweater (think flashing lights, tinsel and holiday puns all in one garment). However, if you’re like most American families, it’s also a time for overspending. Did you...

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Top 5 Money-Saving Secrets for a Stress-Free Christmas

How You Can Have a Stress-Free Christmas This Year Christmas is supposed to be the most wonderful time of the year. But is it really? With the parties, the gifts, the Christmas cards, the family photos, and rushing from one party to the next, it can quickly spiral out of control. And when you add being on a budget to the mix? Yikes. How are you supposed to balance the extra expenses of gifts,...

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Save More Money with these Affordable Christmas Traditions

Broke this Christmas? You’re not alone. More than half of all Americans admit to having less than $1,000 in their savings account. Since Christmas is the season of giving, I often find myself overspending out of fear of looking greedy or being seen as a “Scrooge.” But it’s time to stop. We don’t have to blow our budget to impress anyone else or to create memories with our families. And – oh! – can...

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