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5 Ways to Reward Yourself for Financial Progress

5 Ways to Reward Yourself for Financial Progress

You’ve budgeted, scrimped, saved, and hustled until you have paid part or maybe even all of your debt and now you feel like it would be nice to splurge. But, what you don’t want to do is spend a wad and end up back in the same position you were before you worked so hard to meet some or all of your financial goals. So, how do you do that? Here are 5 ways you can reward yourself for the financial progress you’ve made without setting yourself back. 1 Give Yourself a Day Off When you’ve been working hard towards a goal, you need to recharge your batteries. If you don’t, you run the risk of burnout. You may begin to wonder why you are working so hard in the first place if you never have any down time or fun in your life. It’s okay to give yourself a day off occasionally as long as you go back to work tomorrow and press on toward your next goal. Take the day to sit around and watch movies, listen to music, read, or whatever it is you enjoy doing but don’t get the time to do very much of. 2 ...

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How to Spot a Fake Money Making Scheme

How to Spot a Fake Money Making Scheme

Just about everybody has heard of someone who has been targeted by a criminal trying to scam them out of their money. In fact, unless you live under a rock, you’ve probably heard about lots of different ways other people have become the unwitting victims of such money making schemes. But do you know how to spot a fake money making scheme so you don’t become a victim too? Here are some of the ways you can spot a fake money making scheme. Avoid “Free” Offers When you are promised large ticket items, like free vacations, scammers will try to get you to pay the shipping or taxes to get the promised item. They are out to take your money and run, so don’t fall for this tactic. Make sure you ask for their phone number and name and get any offers in writing. This usually results in them hanging up on you if the scammer is contacting you by phone. If it’s over the internet, they will probably suddenly stop sending emails. Cashier’s Checks Many criminals will use a fake check to steal your money. It can appear to be an innocent mistake, such as purchasing an item you are ...

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Why We Let Others Influence Our Spending

Why We Let Others Influence Our Spending

Peer pressure can be a powerful thing. Just ask any teenager – if you can get them to talk without rolling their eyes at you. But peer pressure, or influence, doesn’t just affect our youth. When you graduate and make your way out into the world you still have to deal with pressure from others, just in different ways. One way others might influence you can be through what you buy and how you spend your money. Have you ever gone shopping with a friend and after you got home you looked at what you bought and thought, “What was I thinking?” That is commonly referred to as buyers regret. But why have regret? More importantly, why let others influence our spending in the first place? Here are few reason we let others influence our spending. We Want to Fit in One of the reasons we may let other people influence what, where and how we spend our money is because we want to fit in. We tend to emulate what other people do and how they act without even realizing it if we have a sense of admiration for them. So, we buy similar things to what they buy ...

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How To Create A Realistic Wedding Budget

Planning a wedding can become quite expensive. Usually, it will cost more than you planned to spend. One way to keep costs under control is to create a budget. A wedding budget is budgeting for a big event, which is different from creating a personal budget. Since it’s an event, you don’t know how much things will cost until you shop for prices. With a personal budget, you only figure out what you want and how much you can afford to spend. Often what you want and what you can afford don’t match up. If you approach budgeting for a wedding the way you would approach a personal budget, then you usually end up paying more than you intended. Creating A Big Event Budget Here is how to set up an event budget. Decide on the type of wedding you want Brainstorm various wedding ideas. Ask other people for their ideas. Do some casual online surfing to see if you can find any more ideas. You’ll be amazed at how many ideas you’ll discover. In fact, you might feel overwhelmed. Next, go shopping to get an idea about prices. What will a wedding dress cost? What will the groom’s attire cost? What will ...

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6 Best Reasonably Priced Wedding Gifts

Shockingly, the average price of attending a wedding in 2015 was almost $700. That doesn’t even take into account the extra costs that can come when you are in the wedding party as a bridesmaid or groomsman. I don’t know about you, but that seems like a lot of money to spend for someone else’s big day. If you will be attending a wedding anytime soon and are looking for a way to fit the costs of going into your budget, you may have to make some compromises to reduce costs. One way is by purchasing an affordable wedding gift. When buying a wedding gift, it’s not only the cost of the gift that’s important in showing how much you care for the newlyweds. There are some very thoughtful and well-appreciated gifts that can help you stay on budget. 1 Monogramed Linens Nice towels can be stepped up a notch from ordinary to extraordinary with monograming and still be a gift that won’t break the bank. Some stores offer this at an additional, but reasonable, price when you purchase the linens from their store. Or if you are crafty, you may be able to add the monogram yourself as a DIY project. ...

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