King of Kash Blog - Financial Responsibility Blog

35 Money Saving Life Hacks

Saving money is definitely harder than spending it. It’s a great idea to save a portion of your income for long-term goals like retirement, but there are also a couple of ways you make little savings inside your home that can build up to a bigger amount.

Consider your purchasing and cleaning habits and see where you might slash some cost. Household cleaners, food, grocery items and even personal products can cost a lot commercially, but you just have to be a little creative and resourceful to make way for some extra money.

Order Groceries Online

It can be tempting to make impulse […] Read more

Common Credit Card Mistakes & How to Avoid Them

Your credit card can be your best friend or your worst enemy depending on how you treat it. If you use your credit card like it’s an endless supply of free money, there’s a good chance that you’re already working with a significant amount of credit card debt. On the other hand, if you treat credit card with a great degree of respect and use it meaningfully, you’re likely to be managing your finances quite well.

Perks of Owning a Credit Card

Nowadays, credit card has become the most popular and common method of payment since you can complete a purchase with […] Read more

Safest Types of Investments

According to Warren Buffet, the first rule for investing is to never lose your capital. The second rule is to go back to rule number one, but investing can be complicated for the uninitiated. If you happen to receive a huge inheritance or come to a point when you’re looking at your finances for the long term, investing deserves some serious consideration.

Saving vs. Investing
Saving

But how is investing different from saving? You’re probably already saving. If you’re setting aside a portion of your income to pay for holidays, your new car or down payment for your new home, you’re actually saving. […] Read more

Extreme Couponing: How to Buy More & Pay Less in Stores

Coupons are like cash just lying around your house ready to be used. Some people get coupons from the store, product launches, and in trade events. There are also coupons easily within their reach at the shelves, but they choose to ignore these slips of paper and pay full price for their groceries as they normally would. But when you try to find value in coupons, you can actually use these pieces of paper to build your stockpile and save money at the same time.

Before you start clipping coupons and make a huge mess in the living room, it is […] Read more

How to Save More Money on Your Monthly Utility Bills

Our everyday lives call for services that make our existence not just bearable, but also comfortable and convenient to heat and/or cool our homes, connect us to family and friends through mobile technology and the internet. Meanwhile water gives us the ability to cook, bathe, clean, and do a lot of other daily tasks easily and almost stress-free.

Yet, all of these conveniences come at a cost. You pay for the amount of power and water you use. You pay for data on your phone and bandwidth on your internet. You pay to make calls and send text messages on your […] Read more

How to Save Money on Home Improvement Projects

Your home is one of the biggest investments that you’ll make in your entire life. Not only does owning a home increase your net worth, it also gives you something that you can call your very own. And owning a home also gives you the freedom and choice for remodeling and improvement – a very rewarding, yet oftentimes, expensive affair that you simply can’t do while living in a rental.

Despite the soaring cost of labor and materials, more and more people are getting into home improvement projects for one reason or another. At times, the total cost of the project […] Read more

How to Get Cheap College Textbooks

Stop Paying So Much For Your Textbooks!

With the school season almost in full swing, students and parents alike are now facing another financial investment. College students, in particular, have to deal with the rising costs of textbooks.

College textbooks are often bulky, but the price just seems heavier in comparison. According to the National Association of College Stores, college textbooks make up more than $600 in expenses every year. Those who major in math and science related courses will find themselves paying a much higher total cost of tuition than those who major in literature and liberal arts because of their […] Read more

The Ultimate Back to School Guide

The school season signals new challenges and excitement to the educators, parents, and most importantly, the students. For older students, it’s the time to go back to this familiar environment where they’ll spend numerous months of the year studying, making friends and partaking in school activities. For new students and transferees, it means going to a new environment every weekday and meeting new people.

Preparing for the school season can be a bit challenging. Parents will have to make sure that their kids are geared up to face the year ahead, physically and emotionally. From getting the right school supplies for […] Read more

Budget Tips: Tips for Living on a Budget

Money is an inescapable part of our daily lives. We use it to pay for services and outings as well as buying things that make our lives more enjoyable, convenient, and comfortable. However, managing our money is not always easy. You might tend to go overboard with your shopping or fail to set aside money for essential expenses. These habits could eventually lead to more debt and financial chaos.

In order to sort out your finances and prioritize the things that really matter to you, you need a budget. But what if you already have a budget and you’re having trouble […] Read more

How to Make a Budget

A budget is an important financial tool in you keeping track of your finances and moving forward with your financial goals. Budgeting is the act of balancing your finances so you are able to use your funds for things that are important to you, cut back on expenses that are less important, and manage your money responsibly. Simply put, having a budget allows you to plan in advance how you’re going to use your money.

The Importance of Budgeting

Money impacts our lives in various and significant ways. It is the currency used to purchase items and afford experiences. It is also the currency which […] Read more

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