There are many people these days whose main source of income is a 9 to 5 job sitting in an office cubicle six days a week. A person is actively involved in this kind of work as they have to put in a conscious effort every day to work and earn. What if there was another way to increase cash flow in which you would not have to invest so much time and effort? It's like winning a lottery ticket. That is exactly what is meant by passive income. It basically means an alternate source of money for ...
Financial Tips
Money Saving Tips For Kids Heading Off to College
Several years ago I started college for the first time. I had to fill out all of my paperwork myself, since I was living on my own. Then I got pregnant with my oldest and had to drop out because I just wasn't financially prepared. I wish my parents would have financially prepared me for college and adulthood. My grandmother tried, but wasn't really successful since she couldn't help me daily on what I needed help with. When my boys became teens, I started sitting down with them and talking about ...
How to Budget for Home Renovations
Are you ready to give yourself that open concept floor plan you’ve always dreamed of? Or maybe it’s a master bath renovation you've pinned over and over again? Either way, you’re ready for a home renovation— but where to start? Creating a budget for home renovations is a great place to start and will help you save money and have a successful renovation in the long-run, and less stress too. Tips on How to Budget for Home Renovations Prioritize Your Remodel Needs This is ...
150 US Based Restaurants that Kids Eat Free or Super Cheap
Sometimes cooking a meal just isn’t in your daily plans whether it be work, kids’ activities, traffic, or you’re just having a bad day. For me, it's usually the later, or I just don't feel like cooking because, that takes too much work after working all day. Typically we tend to go out to eat to ease the remainder of the day, but dining out can be expensive especially if you do it more than once a week. Which is why we either go out just once a month, or we utilize other savings methods. You ...
Purchase or Lease? Which Is Best for You When Buying a New Vehicle?
Purchasing a new car is always an exciting time in life; however, it can also be confusing and time confusing, especially with so diverse types of financing options available. In February 2017, my husband and I leased our first brand new vehicle. At the time it was the best option for us because we literally have NO credit. Well, he had no credit, I had horrible credit and refused to co-sign which is a totally different post I'll probably discuss at another time. We wanted a truck because we go ...
4 Savvy Ways To Build a Savings and Enjoy Life
If you look up ways to build your savings on the internet, you'll get an abundance of articles that suggest making extreme lifestyle changes. From "don't eat out anymore" to "clip coupons" to "eat meat only once a week," the suggestions are certainly effective, but they're not really enjoyable. You don't have to stop living, there are ways to build a savings and enjoy life, you just need to figure it out for yourself. When you're searching for ways to build a savings and enjoy life, you need ...
7 Things You Need to Think About Before Purchasing a Home
When my husband and I started getting serious about home purchase we had a lot of things to consider. We sat down and talked about what we needed to do to start purchasing a home, we calculated what our current income was, what bills we currently have and worse case scenarios (job loss, injury, etc).Getting a mortgage is a very important decision, so you have to make sure that you get the best mortgage for your needs. Despite this, many people simply opt for the first deal that looks ...
Avoid This ONE Thing That Causes More Problems In Marriages
What's One Of the Biggest Causes More Problems In Marriages? Cheating? Lying? Working too Much or Not Enough? OrFinancial Stability? Did you know that over 50% of divorces are not at all related to sexual unfaithfulness but rather financial unfaithfulness?In today's debt-ridden society, financial unfaithfulness causes more problems in marriages as a result of financial secrets that have been found out. Unfortunately, ladies, it's mostly our faults on the financial problems in ...
Acquiring a USDA Home Loan For Your First Home
Do you have the credit, but not the funds to purchase your first home? Do you want to get out of the rental rut? I’ve talked a few times in previous posts about how my husband and I have been working really hard on our credit, how we’ve been working REALLY hard towards purchasing our first home.In May, we started the process of acquiring a USDA Loan for our First Home through our realtor and though didn't have "high" hopes, we were surprised and got approved. It was a relief but at the ...
Pssst…..This is My Secret Weapon for Getting Out of Debt
The television advertisements and dozens of junk mail advertisements you get all make big promises. They are real good at selling the idea on how getting out debt, whether it's a credit card, automotive, or mortgage, with some phenomenal program or secret weapon that you can find only by coming to them. When you think about it, these people are pretty despicable. They are seeking to make money by preying on people who already are deep in debt. They victimize the victims and in many societies, ...
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