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Many shoppers don’t realize they’re still overpaying for everyday essentials. Some of the most common household staples come with hidden markups that drive up your grocery bill without you even noticing. Whether it’s a convenience factor or clever marketing, certain products are consistently overpriced. If you want to stretch your budget without sacrificing quality, here are six grocery items that aren’t worth the price—and what you should buy instead. Image Source: Pexels 1. Pre-Cut Fruits […]
Costco is renowned for its bulk offerings and competitive prices, making it a favorite destination for savvy shoppers. However, not every product in the warehouse provides the best value or suits every household’s needs. Purchasing certain items in large quantities can lead to waste, spoilage, or even higher costs compared to other retailers. To help you shop smarter, here are eight items you to avoid buying at Costco. Image Source: Pexels 1. Fresh Produce While […]
Want to save some money and live your best life while living on less? These minimalistic, frugal living tips will help you save money and … Read More 15 Frugal Minimalistic Living Tips To Help You Save Money and Thrive on Less
Financial problems can arise at any time. A medical bill, a home repair, or a car breakdown can put a strain on anyone. Many struggle to handle these costs without affecting their financial stability. Without a plan, it can be stressful to cover sudden costs while keeping up with regular expenses. Knowing your options makes a difference. Some methods involve adjusting spending habits, while others may require external assistance. Understanding safe ways to manage money […]
If you’ve ever wondered how to set up a budget from start to finish, today’s your lucky day. I’m sharing exactly how I set up my budget each and every month, and I’m giving you a FREE worksheet to help you do just that. So, if that sounds like something you need, well then, let’s get started! Links for This Episode Check out these DIY Resources and Templates Download your FREE Worksheet Join the Financial […]
Since Sep 2024, my retirement portfolio has lost an amount equivalent to 1 to 1.5 years of my annual expenses (X). That is if it was 10 times X in Sep 2024*. It is now 8.5 to 9 times annual expenses. * Not my real portfolio value. It will take a huge fall to erase… The post Do you respect your money enough to have a risk management plan? appeared first on freefincal.
The feared spreadsheet. The Excel document sitting in drafts. A technique that could save you thousands of dollars each year, yet you shy away from creating one. The money-planning asset helps millions move toward a debt-free life, although so many people underappreciate it. What are we talking about? The budget. Today, we’re debunking budgeting myths, … Read more
Budgeting has always been key to reaching financial goals, but in these uncertain financial times, budgeting really is crucial! I’ve been sharing our family’s real budget since 2013 when we were in six figures of student loan debt. A lot has changed with our finances since then, but one thing hasn’t changed- we still budget faithfully every month. After taking a break for a few months, I’m back to sharing our family’s budget. I debated […]
In December, I wrote about the Canadian dividend stocks we’d consider buying for TFSA in 2025. With the TFSA contributions behind us and purchases made already, it’s time to look ahead to other dividend stocks … Read more
How expensive is Dublin to visit? If you are planning a trip to Dublin and are unsure how much to budget, you are in the right place. With its rich history, vibrant culture, and stunning landscapes, Ireland is one of my favorite countries to visit, offering many enriching experiences that will not drain your wallet. […] The post 6-Day Ireland Vacation Cost Breakdown: How Much Does a Trip to Dublin Cost Budget Travelers? appeared first […]
Birthdays are such special milestones, but they don’t have to come with a hefty price tag! Over the years, I’ve planned plenty of fun and memorable celebrations, and I’ve learned that the best frugal birthday party ideas are often the simplest. When my kids were little, often times, we skipped expensive venues and instead threw budget-friendly parties at home, complete with homemade cakes, delicious food we made ourselves, and fun games that kept everyone entertained. Those celebrations […]
This post may contain affiliate links. That means if you click and buy, I may receive a small commission (at zero cost to you). Please see my full disclosure policy for details. The best budgeting apps help your family track monthly income and expenses and give you access to your budget anywhere, at any time. Instead of relying on an old notebook and pencil or a spreadsheet, budget apps offer automatic expense tracking and let you set […]
Tax planning in retirement isn’t just about minimizing what you owe—it’s about creating an efficient strategy to preserve your wealth and maximize your income. Many retirees assume their tax burden will decrease after they stop working. However, taxes on Social Security benefits, required minimum distributions (RMDs), and investment gains can add up quickly. Understanding tax liabilities and opportunities allows you to make informed financial decisions that keep more money in your pocket. Strategies for Reducing […]