Home > Author Archives: Kim Parr

Author Archives: Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.

6 Things That Are Cheaper on Amazon Prime than at Wal Mart

Cheap products on Amazon Prime

I’ve shared many times before how living in a small town limits your shopping options, at least in brick and mortar stores. The only place in town to buy many household goods and non-grocery items is Wal Mart. I’ve had way too many bad shopping experiences there and found myself getting mad before I even walked in the door, so as a resolution to myself and my well being, I decided to boycott purchases at Wal Mart in 2014. Since we really don’t have other options without driving at least 50 miles, I turned to Amazon for help. Here are six things I’ve found that are surprisingly cheaper on Amazon than at Wal Mart. Amazon Versus Wal Mart I signed up for Amazon Prime early this year. At $79, I figured it was worth it. Regular shipping is very slow to our area, and if I am going to replace the need for last minute Wal Mart items, I need to be able to order in small quantities. 1) Dog Food Purina Beneful dog food is $15.99 for a 15.5 pound bag at Walmart. It’s $13.99 for the same bag on Amazon and shipped free with our Prime membership. I ...

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Are You Making What You’re Worth?

Make the salary you're worth

We all know that a huge step in paying off debt or building wealth is to make more money. Sometimes different jobs or opportunities come along that provide a way to earn some extra cash. However, it’s important that you don’t make the mistake of swapping your time or energy for less than you deserve. Ask yourself if you are making what you’re worth before taking on extra jobs. Extra Income Opportunity I will be attending an optometry meeting soon in a city a few hours away. It just so happened that another doctor in the area was looking for some vacation coverage for a couple of days while I was going to be in town. The conference was in the evening, so I emailed him for more details. I might as well try to earn some extra money if I’m there anyway, right? It Doesn’t Pay What I’m Worth I found out that the rate he was paying was about half of what I usually make at my regular jobs. I realize you don’t need to pay someone top dollar who isn’t going to form a long term relationship with your practice, but half price pay? Then I started thinking ...

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Paying Taxes With a Credit Card for Travel Rewards and a Giveaway!

Paying tax with credit cards

Welcome Million Mile Secrets readers and thanks so much to Daraius for asking me to participate in his Friday travel series today. Head over and check out the interview. For the past couple of years, taxes have been our biggest annual expense, more than what we pay for our mortgage, utilities, and groceries combined. We have our own personal income tax, which includes self employment income, plus three separate property tax bills. Since paying off all  consumer debt in 2012, we try to use our reward credit cards for every expense to earn points and miles. Since we pay off the balances each month, it’s an amazing way to travel for free or almost free. We have a big trip in the works for next year. It will be our first family trip to Europe, and I decided there must be a way to take advantage of these awful taxes to earn some major rewards. This is my experience, good and bad, of paying high taxes with a credit card. Are Fees Worth the Cost of Paying Taxes With Credit Cards? I have know for years that you could pay taxes with a credit card. When we were drowning in ...

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Upskilling Tips To Progress Your Career

job skills that progress career

Alison, 31, a Sydney-based print journalist, studied an evening course in broadcast voice training in the hopes of landing a radio reporting job. Hugh, 47, an anesthetist working in public hospitals in regional NSW, is studying effective corporate communications online to help secure an internal management position. Hannah, 26, lives in the Hunter Valley in rural NSW, and has returned to online study of a masters in primary school teaching; her degree in business hospitality provided limited opportunities for 9-to-5 employment. These three people are upskilling. They are developing their careers through training, with an eye to landing a specific position. Upskilling varies from strengthening day-to-day skills to studying a degree. Professional specialist bodies have increased standards in the past decade for training, certification and ongoing development; while human resources corporations such as Chandler Macleod offer ongoing upskilling services to keep employees at the top of their game, while also helping companies to minimize staff turnover. Here are some tips to get started on the “upskilling” path: Planning Decide where you want to be in your career. The three people mentioned earlier provide a neat snapshot of upskilling; but each of their decisions followed months, in some cases years, of ...

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Financial Literacy Awareness Carnival-My Financial Aha Moment

financial literacy aha moment

I’m very happy to be participating with an excellent lineup of bloggers for this year’s Financial Literacy Awareness Carnival by sharing my Financial Aha Moment. You can head over to The Heavy Purse to see all the posts today. I bet you’ll learn lots! The American Dream If you have been reading for a while, you know that my family used to have some serious debt. At the beginning of 2011, we owed over $30,000 to credit card companies and had over $70,000 in student loans. We also were a family who traded our cars for new ones every three or four years and bought things whenever we felt the urge. We had good income, made our payments on time (even if they were often only the minimums), and almost always got approved for new credit whenever we wanted something. We were living the American dream, right? Well, if the dream includes constant worry about having no money at the end of the month and having to work all the time to make sure you can hit every payment, then I guess we were there. It actually sounds more like a nightmare that I’m afraid way too many people lose ...

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