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Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

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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7 Gadgets That Can Help You Save Money

gadgets

Gadgets can be addictive. For many people, snapping up the newest product and showing it off to friends and co-workers demonstrates their coolness. Gadgets can also be a source of “keeping up with the Joneses“. I’ve struggled with this personally in the past. But not all gadgets are a waste of money. Some gadgets may actually help you save time and money. Here are some of my favorite money saving gadgets. Tile Tile is a device that allows you to attach it to your keychain, purse, or whatever you sometimes misplace so you can find it again. If you are one of those people who constantly misplace your wallet, for instance, put one inside it and you will be able to locate it quickly with the app on your phone. These days, time is money, so the elimination of wasted time could save you some money at the same time. Rechargeable Batteries Investing in a battery charger and rechargeable batteries make sense if you are going through them often. You can pick one up for around $20, and a 4-pack of rechargeable AAA batteries at Walmart is around $9.  Since the disposable ones run about half the price of rechargeable batteries, ...

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Is Laser Hair Removal Worth the Money Spent?

laser hair removal

Unwanted body hair isn’t something that plagues everyone, but for those who have an excess, it is annoying and sometimes time consuming to be rid of it. Ask any woman what part of her beauty regimen she hates the most, and many times the answer will be shaving or waxing.  Of course there are a variety of ways to get rid of unwanted hair besides just shaving and waxing, like using hair removal products and creams, threading, and laser hair removal. But if you decide to “go under the laser” to remove your unwanted hair for good, is it worth the money spent? Here are some things to consider before you decide to try laser hair removal. Are You a Good Candidate? According to a variety of internet sources, fair skinned people with darker hair are the best candidates for laser hair removal treatments. It helps if they also have a high pain tolerance because it takes several treatments in the same area to effectively get rid of or reduce the unwanted hair in your chosen region. Costs The price of ridding yourself of unwanted hair can vary greatly depending on your choice of hair removal centers. Of course, the cost ...

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