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How Procrastination Can Hurt Your Finances

procrastination can hurt your finances

You’ve probably heard the saying, “Why put off until tomorrow what you can do today?” When it comes to your money, that phrase is good advice as procrastination can hurt your finances. Procrastination is a nasty habit that can have many negative effect on your finances. In case you haven’t broken your procrastination habit yet, here are a few reasons why you should so it doesn’t harm your finances. Credit Card Fees Almost everybody has a credit card these days. Just try booking a hotel room or renting a car without one and you will find out it isn’t easy to do (some one even accept debit cards as an alternative). But after your vacation is over, you should pay off your credit card as soon as possible. The interest and late payment fees applied to your credit card bill can cost you more than the original price for the items you purchased. Instead of getting in a habit of procrastination, try paying off your credit card bill immediately after you’ve used it. You can save ahead for your purchases so you already have the cash on hand to pay the credit card bill. Late Fees Another way procrastination can hurt ...

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6 Ways Bookworms Can Save Money

bookworms can save money

Reading is a great hobby to have. You can spend your free time traveling to other destinations, learning about other time periods, and more. But if you are a bookworm and like to read so much that you are going through several books in a short period of time, it can become an expensive habit. I used to be a big bookworm (before I took up blogging and freelance writing) and I often couldn’t walk out of a bookstore without spending at least $50. Luckily there are ways that bookworms can save money and still enjoy their favorite hobby. Use the Library The most obvious way bookworms can save money is by using the local library to check out books for free. You’ll be able to read all you want without paying a cent if you always return or renew your library books on time. Choose Carefully Whether you are purchasing a new book or a used book, read the prologue or the back cover first. If it is an E-book, you have the option to check the reviews and usually read a little about the book before you buy it. Spending a little bit of extra time to look it ...

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How to Save at the Gas Pump

gas pump

As consumers we know there are price increases from time to time on the goods and services we use every day. However, one extreme fluctuation happened about eight years ago when the average price of a gallon of gas spiked at over $4.00. This was largely due largely to an increase in the cost of oil. I don’t know about you, but that hit my budget pretty hard even though I was still in high school at the time. My parents did pay for some of my fuel, but I had to chip in too and I found myself doing far less driving when the price at the gas pump spiked. Even though the price of fuel has gone down since then, I still try figure out how to save at the gas pump whenever I can. Below are a few ideas I use to help me save as much as I can. Make Trips Count Even though that was quite a few years ago, I started getting into the habit then of making my trips around town count as much as possible. At the time, I lived a few miles from town on my family’s farm, so trips back and ...

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Save on Groceries: Stop Buying These 9 Items

save on groceries

Saving money is on the minds of quite a few people these days, and cutting back on your grocery bill is one way you may be able to tighten your budget a little. Personally, groceries is one area of my budget that tends to be a slippery slope, so I try to go back and review my grocery budget and purchases every few months to make sure I stay on track. Sure, food is a necessity and buying groceries is a lot cheaper than eating out, but that doesn’t mean you can buy groceries all willy-nilly because they are a “need” and not a “want”. There are some items at the grocery store that are definitely not a need. Pay attention to what you put in your cart before you pay so you save on groceries. In fact, if you want to save the most money, stop buying these 9 items as part of your regular grocery shopping. 1 Alcohol Cut back your alcohol consumption or eliminate it altogether to save money in your budget each month. If you must purchase alcohol, don’t buy it at a grocery store. It’s usually higher there than at a Sam’s, Costco, or another warehouse ...

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How to Get the Most from Your Doctor Visit

doctor visit

Have you ever made an appointment with a physician and afterward felt as though you wasted your time and money? I have and it’s made even worse because I really hate going to the doctor. Most people have had this type of experience at least once,  and it’s very frustrating to spend time and money going to a doctor visit when you are sick only to leave with more questions than answers. But there are things you can do to help both yourself and your doctor find the answers you’re looking for so you can save time and money by not having to go in a for a repeat visit unless you truly need one. Here are some tips for how you can get the most from your doctor visit. Arrive Early I can’t stress this enough. It might seem like a waste of time to arrive to a doctor visit early, especially when it seems like your doctor’s office is always running behind schedule. But you should arrive at least 15-20 minutes early to give yourself time to complete any paperwork and fill out forms after you check-in, especially if it is the first time you have been to that ...

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