Home > Author Archives: Kayla Sloan (page 4)

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.

6 Ways to Use Social Media to Save Money

6 Ways to Use Social Media to Save Money

Take a look around on any given day and you will probably see more than one person clicking away on their cell phone. The odds are high at least one of them is using social media. The truth is, most of us like and use social media on a daily basis through any number of different sites. But did you know you can also use social media to save yourself some money? If you are trying to keep within a strict budget, you may be able to use these social media tips to save money. Turn on Pinterest Notifications If you’ve pinned an item on Pinterest that is for sale in a retail store, you may be able to find out when the price has been lowered by turning on notifications for that pin in your Pinterest settings. Then, when the item you pinned goes on sale, you can buy it at a discount. Just hurry before there are none left. Popular items on Pinterest tend to sell out quickly! Use Facebook Coupon Codes and Groups Some of the companies you “Like” on Facebook will offer coupon codes and discounts as a reward to followers. But thanks to Facebook algorithm changes, you ...

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8 Ways to Avoid the High Costs of Data Theft

It is with good reason the words “data breach” and “data theft” can place fear and panic in the hearts and minds of people when they find out they have become the target of this type of crime. The financial costs of data theft can range anywhere from a few hundred dollars to thousands of dollars. In addition, victims may feel violated and suffer from both financial and emotional stress as a result. But the good news is that there are ways to avoid data theft. Here are some of them. Don’t Give Out Information The act of stealing confidential, computer-based information is considered to be data theft, and it is occurring at an increasing rate for consumers and businesses alike. However, one of the simplest things you can do to help prevent personal data theft is to protect your information. Be careful when giving out your information online by making sure the person or company making the request really needs to know what they are asking for. In other words, legitimate businesses you already do business with will not send emails asking for information they should already have. Update Your Passwords I used the wording “update your passwords” instead ...

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5 Best Uses for Your Next Pay Raise

pay raise

A pay raise doesn’t come to most of us very often, or at least not as often as we’d like. Some people don’t ever get a raise from their employers at all while others may receive a raise just large enough to cover the rising inflation rate if they’re lucky. As a result, when that rare occasion does happen, you may wonder, what is the best use for your next pay raise. Before we get to the end of the year, when some lucky employees may receive a pay raise, here are some ideas for how you can use that money to get ahead financially. Give Yourself a Small Splurge The first thing that comes to mind when you receive a pay raise might be rewarding yourself with something extravagant, and wildly expensive, that you want but would otherwise not necessarily purchase for yourself. This isn’t the best use of your money. Instead, splurge in a small way, such as an evening out with your spouse or significant other. By allowing yourself a small reward you still get the satisfaction of a little something extra without spending it all in one place. The leftover money can then be used more ...

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How to Use Credit Cards to Your Advantage

How to Use Credit Cards to Your Advantage

The advice you get from some finance blogs is to use extreme measures to avoid running up credit card debt. They may suggest things such as cutting up your credit cards or placing them in a container of water and freezing them to prevent you from using them – at least until they thaw. But I know that credit cards can be used to your advantage if you are able to use them with self control. Like anything else, they are a tool. It’s you that determines if they will be an asset or detriment to your finances. Here are some ways you can use credit cards to your advantage. Pay Your Balance off Each Month Don’t run your credit card balance up so high you can’t pay it off each month. Doing so will allow you to eliminate paying interest on your balance and giving away your hard earned money to credit card companies for free. In addition, you potentially have the ability to use that same money to earn interest for yourself for the same time period. If you aren’t able to pay the balance each month, always make the minimum payment and make a larger payment whenever possible. ...

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6 Ways to Avoid Money Scams

Avoid Money Scams

Scams are everywhere these days, and as technology improves and changes, so do the tactics of criminals who are out to take your money. The good news is that there are ways you can avoid money scams. Here are 6 ways you can prevent yourself from becoming the next victim of a money scam. Pay Attention When Shopping Online The holidays are coming up, which means an increase in internet traffic for those who make purchases using the internet to whittle down their gift lists. As you shop, if you need to enter information on a computer, use caution and check to see of the URL of the page you are on starts with “https.” This means the site is secure using an SSL Certificate.  Companies must go through a validation process to get this certificate, and the “s” in “https” stands for “secure.” If no “s” is present, the site could be a scam. Email Scams If you don’t recognize an email address or sender, don’t click on any links or open messages. Watch out for subject lines that include promises like “free vacation” or “you’ve won!”. These suspicious emails are often a criminal’s way of phishing for your ...

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