Affordable Ways to Have Fun While on a Budget

Affordable Ways to Have Fun While on a Budget

In this demanding and fast-paced world, we all need to take a break from time to time to rest, relax, and have fun. Everyone has fun different ways though. Some consider retail therapy as fun, but it’s also the type of fun that can break the bank. Some people like watching movies, eating out in restaurants, and having coffee with friends so much so that their budgets suffer.

Most of us have money set aside to spend on fun and entertainment to break the monotony of work and be able to bond with the people we love. It also lets us […] Read more

8 Important Financial Rules of Thumb

8 Important Financial Rules of Thumb

We make financial decisions everyday. You decide whether you want to spend $5 for a cup of coffee (don’t, seriously) or put the money towards savings. You decide whether you want to buy your dream home or wait until you have enough savings for down payment.

Personal finance means the choice is absolutely up to you and the decisions you make compound to what becomes your financial path.

Managing Your Finances

In personal finance, everything is personal. There are no hard and fast rules that apply to everyone. You can’t spend x dollars on a house if you don’t have x dollars to […] Read more

Saving Money For Your College Education

Saving Money For Your College Education

College education presents a lot of opportunities, but it can also come with a slew of financial challenges. More and more people are realizing the value of attaining higher education despite the huge price tag that comes with it.

Paying for a college education can become the cause of stress of parents and students. Reports show that college is getting more expensive with each passing year. According to Forbes, a four-year degree can cost as much as $334,000 at a private college and one year of education at a public college can run an average of $28,000 while private college education […] Read more

How to Get the Best Price on a New Home

How to Get the Best Price on a New Home

When you become an adult and land your first job, you also start considering how to best invest your hard-earned money. Some people buy all the things they couldn’t afford before while others spend time traveling, but the most common desire is to own a home.

A home is pretty much the biggest expense you’ll have in your entire life. When you decide to go through the process of buying a home, you also commit to a series of expenses tied to home ownership. From finding a real estate agent, negotiating the price of the house, and closing costs to doing […] Read more

How to Financially Prepare For Baby

How to Financially Prepare For Baby

Having a new baby is an exciting time of your life, but it can be incredibly overwhelming. Whether it’s your first time to become a parent or the fifth time, a new baby always brings a fresh surge of emotions. You feel protective and wanting to provide only the best for them.

Between morning sickness, kicks, and the urge to buy everything cute, you’ll also have to start considering the cost of pre-natal check-ups, delivery, and post-partum health care. After which, you’ll want to know what your working set-up would be, how to figure out childcare and revamp your budget to […] Read more

Practical Ways to Save Money Raising Kids

Practical Ways to Save Money Raising Kids

When you become a parent, you’ll quickly see how different your expenses are compared to when you didn’t have kids. You don’t have to deal with buying diapers, formula, clothes, car seats, crib, trips to the hospital, and many more. If you’re single or a couple without kids, the money that you’d spend on these things are probably going to your vacations, shopping sprees, savings, and investments.

The Cost of Raising a Child

Whether you’re planning on having kids or not, once the child is there, the cost of raising them is unavoidable. Ideally, you should have an idea on when you […] Read more

Cheaper Alternatives to Gym Memberships

Cheaper Alternatives to Gym Memberships

If you’re like most people, you’ve also probably made a promise to stay fit and healthy this year and going to the gym may be permanently inked into your New Year’s resolution.

We can’t discount the fact that living a fit and healthy lifestyle is important for our overall well-being and exercise is an integral part of it, but is getting a gym membership really worth it or is it a needless expense?

Well, going to the gym has become the “go to” way to work out these days. A fitness gym lets you use equipment that targets specific parts of your […] Read more

Getting the Best Price When Buying a New Car

Getting the Best Price When Buying a New Car

Your vehicle is probably the biggest purchase, apart from your home, that you’ll make in your life. Some people are given a new car by their parents when they graduate high school, but everyone else has to work to earn enough money to buy their first car.

In today’s age, owning a car is important for practical and functional reasons. You want to be able to go to work everyday without the stress of commuting on public transportation. Your car also lets you to travel and take vacations, even if it’s just for the weekend.

So if you’re shopping for a […] Read more

How to Save Money While Shopping

How to Save Money While Shopping

You probably shop for the best of all the best deals on Black Friday every year. Your email and phone are bombarded with notifications one after the other, telling you that your favorite product is on its biggest discount ever. But you also want to get the best deals the whole year round even on everyday things like tissue and toothpaste and never pay full price for them again.

However, you won’t be served the best deals on a silver platter. While those deals offered in discounts and promos will certainly reduce the sticker price, the legwork of finding them is […] Read more

A Beginner’s Guide to Taxes: How to File Your Federal Income Tax Return

A Beginner’s Guide to Taxes: How to File Your Federal Income Tax Return

Filing taxes is not everybody’s favorite way to spend the weekend. Apart from the mountain of documentation, forms, and receipts you need to gather, you also need to do a lot of number crunching and you need to file your taxes correctly to get the most deductions and not be audited by the IRS.

Filing taxes is your federal responsibility. You can make it less of a chore by educating yourself with the basics of the tax codes and taxation regulations. Fortunately for you, there’s a number of options that you can choose from when you file your taxes: do it […] Read more