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Can You Be a Prepper and Be Budget Conscious?

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Nearly all of us have seen a movie or television show depicting a prepper who stockpiles food and supplies for some future calamity. Sometimes that person chooses to squirrel items away in a basement or in odd places around their home. For those of us living in reality, however, this kind of propaganda may leave us wondering if storing such vast quantities of supplies and food is reasonable. For one thing, some of the food could potentially expire and go bad before it’s used. (Couponers have the same problem!) If this occurs it would result in a huge waste of money as well as resources. But, it also begs the question of whether or not you can be a prepper and be budget conscious. Here are some things to think about before you stock-up. 1. Why Are You Prepping? To be a prepper, especially on a budget, it might help to first have an idea of what you are prepping for. Are you afraid of an apocalyptic event, such as another world war? Perhaps you worry about a bio-terrorist attack or an electrical magnetic pulse, called an EMP, being launched against our country? Or, could you be concerned about the ...

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Why You Should Pay Your Kids to Perform Household Tasks

Why You Should Pay Your Kids to Perform Household Tasks

When my younger brother and I were kids, we were expected to help out around the house. Both of our parents worked, so we had to do a few chores each week in order to keep the household running smoothly. Part of the time we got paid for what we did and part of the time we didn’t. It just depended on what we did and if it was expected or “above and beyond”. Reflecting back on those times I think our parents paid us when they could afford to. However, when money was tight for them it didn’t always happen. Now that I am an adult I feel like there are a lot of good reasons why you should pay your kids to perform household tasks. 1. They Learn the Value of Money Pay your children for part of the work they do instead of all of it. Taking this type of approach prevents them from thinking they should get paid for every little thing. At the same time, if you allow them some discretion in their spending, you help them learn the value of money. 2. It Builds Self-esteem Your kids are not your slaves and should not ...

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What to do if Your Partner is Financially Irresponsible

What to do if Your Partner is Financially Irresponsible

It’s been said that money is the root of all evil. I don’t know if that’s true or not, but it does seem to cause a lot of tension between partners in a relationship. In fact, money has stayed at the top of the list as one of the things couples fight over most. Sometimes arguments arise over a lack of money. Other times it is due to one person’s mishandling of money. But, what can you do if your partner is financially irresponsible? 1. Talk About It Something that should be discussed early on in any couple’s relationship is how they each value and handle money. Conversations about money may not be romantic, but they can save a lot of grief later and possibly even divorce. Each person in the relationship should openly talk about their financial goals as well as how they have handled money in the past. Does either partner have debt hanging over their head? If so, is it a large amount that could be paid off before making the relationship permanent? But what if your relationship is already permanent before the money talk? If that is the case, each of you still needs to confess ...

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How To Be Rewarded For Your Hard Work

You did your best, worked long, hard hours, and lived frugally. And yet you still didn’t prosper because it’s hard to make a living from a minimum wage job. You then decided to redouble your effort, but that didn’t work out too well because you only made marginal improvements to your income. Next, you decided that you weren’t getting paid what you were worth because you were working for the wrong company. Unfortunately, after getting hired in another company, you found yourself in a similar situation. Finally, you decided that it was the industry, so you went back to school and juggled your class and work schedule for a few years. Unfortunately, after you graduated, you were overqualified for most jobs and the intense competition in your line of work made it almost impossible to find any good job openings. Well, if you’ve taken this route, or one similar to it, there is one option—work for yourself. Here are four ways of earning a handsome income if you love to work hard but have not yet found a company or an industry that will reward you for your initiative and persistence: Sell a proven line of products. If you don’t have a ...

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3 Questions to Find Out If Your Old Car Is Hurting Your Wallet

Could it be time to upgrade your heavily-used car? And how does one determine when it’s time to part ways? Most money-wise people are not prey to splurging on a new car when they get a raise in paycheck, or when they see the latest release from their favorite car maker. However, it can be hard to nail down an expiry date on a car that has served you well for many years. So in what situation would it be better to upgrade or explore other means of transportation? Here are 3 questions to ask yourself to help you determine if you should look for junk yards near you, or if your car is still good for another year of use: Question 1: Do I feel safe driving my car? Perhaps your car has passed your state’s annual car inspection. But the real measure of its safety is whether you still feel safe driving it. Or, an even better question to ask yourself is whether there are better safety options that you should be looking into. Today’s car models come with the latest array of safety features. These include advanced airbags and rearview cameras to help ensure a safer experience. If ...

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