Home > Author Archives: Kayla Sloan (page 11)

Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

Should You Pay for Your Funeral While You’re Alive?

Should You Pay for Your Funeral While You’re Alive?

Most of us don’t like to think about death, especially our own. But, as Benjamin Franklin would say, “In this world, nothing can be said to be certain, except death and taxes.” In other words, just because you don’t like to think about death it doesn’t mean you can escape it altogether. So, you know you can’t live forever, but should you pay for your funeral while you’re alive? According to Moneywise, “Your funeral is the fourth most expensive thing you will ever pay for after buying a house, having children and getting married.” Even if you have final expensive life insurance, funerals are expensive! This is just one reason why it’s a good idea to start paying for your funeral while you’re alive. Below are some more reasons why you might want to pay for your funeral ahead of time. Spare Your Family By pre-planning for your eventual funeral, and pre-paying for it as well, you can relieve your family from this burden. Not only that, but you can ensure things are done the way you would want them to be done, such as having your body cremated or determining where you should be buried. Save Money The Federal Trade Commission ...

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4 Ways to Stretch Your Meal Money

stretch your meal money

Almost everybody’s budget gets tight now and then. And it usually happens that the low balance in your checking account matches the limited amount of food in your pantry. But what can you do to make it until the next time you get paid? There are many ways to stretch your meal money. Here are easy ways I’ve used to stretch my meal money in the past until my next paycheck arrived. Inventory What You Have on Hand Sometimes there are items you forgot about in your refrigerator, freezer, and cupboards. Of course, some of these items might be stale or expired, so get rid of those first. Remember some of those dates are “sell by” dates, which means the food isn’t necessary bad. Watch out for those because the food might still be useable and you don’t want to waste it. Get Creative Now that you know what you already have, you’ve got a starting point.  Can you make some meals from what you have on hand? If not, would you be able to if you purchased only a few items? At times you will need to be creative, such as adding ham to mac and cheese to make ...

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The Downsides of Grocery Convenience

grocery convenience

I’ve talked before about how much I hate to grocery shop. It irritates me because I just can’t seem to find a good time to go to the store when it’s basically empty. One thing I do to make my grocery shopping go faster is having an organized list of the things I need. But sometimes even then I dread having to go to the store. If you live in a larger community, some grocery stores have started to combat this with drive-thru grocery stores, grocery delivery, or the option to place your order online and simply pick it up at the front of the store. I wish these were options in my small town! But is that grocery convenience really worth it? Here are a few things to consider before you sign up for any type of grocery convenience service. Higher Prices A drive-thru grocery store, called Zoomin Market, opened up in Olathe Kansas in 2014. Zoomin’ Market does not charge a fee for gathering items and bringing them to your vehicle. However, there is no way around the added time it takes for a worker to gather the items to be delivered to your car. Logic tells us the business ...

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The High Costs of Sleep Deprivation

sleep deprivation

Have you ever given up sleep so you could see the end of your favorite television show or finish a project for school or work? Maybe you’ve given up sleep in the name of making more money with your side hustle. If so, you are not alone. I’ve done that too. In fact, one of my favorite sayings use to be “I can sleep when I’m dead.” I’ve stayed up late for each of those reasons at different times. But the truth is, if you have missed out on sleep, it doesn’t really matter the reason because the effect is still the same. Lack of sleep can have negative impacts on your life if you make a habit of it. It can affect many things that will in turn effect your finances with a domino effect. Here are some of the high costs of sleep deprivation. Feeling Sluggish Ok, this one is kind of obvious. You will find yourself yawning and having trouble with concentration due to a lack of sleep. But did you know it can also inhibit your decision making? This can be dangerous when you are driving and it increases the possibility of you being involved in an ...

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The Ultimate Guide on Who, When, and How Much to Tip

The Ultimate Guide on Who, When, and How Much to Tip

Some people don’t believe in tipping. Others tip poorly. Personally, I don’t understand why tipping or not is even questionable. If the service you received was acceptable, you should tip. However, not everyone feels this way. So I am going to go over some basics of tipping based on the service you received. Who Should You Tip? Most sources will tell you to leave a tip for restaurant servers, delivery people, valets, massage therapists, hairstylists, manicurists, tattoo artists, cab drivers, hotel maids, movers, wedding priests, bar tenders, grocery store baggers, and tour guides. There are probably others that could be added to this list, but those professions listed above should hit a majority of the service industry’s personnel. It also gives you a good start to answering the question of who you should tip. My rule of thumb is if you have had any service done, you should tip the people who served or helped you. For example, you don’t need to leave one for each person working at the restaurant you just ate at, only your own server. When Should You Tip? Tipping should be based on the quality of the service you were provided. Now that I’ve said that, I ...

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