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steps to save your budget

4 Ways to Put Your Budget Back on Track

This post is from Joseph Hogue at Peer Finance 101. Enjoy! After publishing my own personal financial nightmare on my blog a while back, I’ve gotten feedback from readers relating my story to their own problems keeping a realistic budget. In almost all the comments, I’ve noticed four common reasons people are as bad at budgeting as they are with New Year’s resolutions. My own story is a financial roller coaster. After graduating college, I landed my first job as a financial reporting analyst at a large reinsurance firm. I worked my tail off at another part-time job and saved ...

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Cheap vacation to Big Sur

How Much For a Family Trip To San Francisco?

As you read this, we are packing our bags for spring break. Many of our friends and family roll their eyes when we tell them we are headed off for another trip, thinking we spend thousands of dollars and that travel is beyond their reach. In reality, we pay a fraction of retail price for just about all of our vacations. Plus, we trim the fat from other areas in our budget so we can afford the amount we do spend. Cutting cable, buying used cars, and avoiding stores that might tempt us to spend money are some ways we ...

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When living a frugal life, mistakes don't derail your finances

When Frugal Fails

While I’ll never win an award for the most frugal person on Earth, I do make a huge effort to control spending and make sure that our money is being used for things we value or that will build wealth for the future. It works pretty well UNLESS life gets crazy. This is how to cope when frugal fails. Life Is Crazy I won’t lament about how busy my life has been lately. I am no busier than most people reading this post. I know many of you work, side hustle, raise families, stay physically fit, and make time for ...

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ways to make extra money quickly

Ways To Come Up With Money Quickly

Nearly half of Americans  have less than $500 in savings. That’s not much security if things go wrong. A major car repair, new set of tires, or a trip to the emergency room could mean going into debt. Before taking out a high interest loan or whipping out a credit card to cover emergencies, consider that there might be other ways to come up with money quickly. Sell Something Odds are, there is something in your house that you don’t need or use anymore. Antiques, kid’s clothing, sporting gear, or musical instruments are popular sale items, but just about any ...

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NCAA tournament experience costs

What Are Experiences Worth?

March is a fun time to be from Kentucky. For 10 months of the year, we don’t have tons of things to be proud of. Then spring rolls around, and we have the NCAA tournament and the Kentucky Derby. Too bad it’s all over within a a few months, but those are a couple of pretty big events that people pay tons of money to attend. I’ve also seen fans pony up a mint to see their favorite band or sports team in action. I’ve often said that I’d rather spend money on experiences instead of things, but what are ...

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