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Newly married couples can reduce financial stress by agreeing on shared expenses, personal spending allowances, and savings goals before money disagreements become recurring arguments – Shutterstock Marriage combines plenty of things, from holiday traditions to questionable furniture choices. Money joins the list, too, and it can expose differences that never surfaced before. One spouse may see a $200 dinner as a memorable night out. The other may see two weeks of groceries disappearing from the […]
Buying a home only beats renting once your equity gains outweigh the extra costs of buying, owning, and selling. For a typical home nationally, Zillow puts that at about eight years. Before you buy, compare how long you’ll realistically stay with your area’s break-even. If you’ll likely move before you’d break even, keep renting. Source
Share to Facebook In today’s Budget, the Chancellor announced a £100 cash payment for around 20 million households in council tax bands A to D. The government says it will be paid straight into people’s bank accounts. On the face of it, that sounds simple and well targeted. Lower bands, smaller homes, more help. But there’s a quirk in how council tax works that most people have never heard of. And it means some of […]
Frugal living isn’t only about clipping coupons or skipping the daily latte. A lot of it comes down to deciding what you’re no longer willing to pay for. Think about it. Most of us spend money out of habit, convenience, or stress, not because we truly want it. Frugal folks who keep more of their paychecks have simply stopped paying for a handful of everyday things, and most say they don’t miss any of it. Here are 13 things frugal people quit paying for. You don’t have to stop all of them. Pick the ones that make sense for your life and let the rest go. Cleaning Help Keeping your house clean is one of the easiest ways to save money every month. In our house, we clean one floor together every Sunday, and we often turn it into an activity. Being organized helps, too. The less clutter you have, the less time it takes to clean, and the easier it is to skip the cleaning service. Takeout When Life Gets Busy Takeout is usually a stress purchase. You’re tired, nothing is defrosted, and ordering feels like the only option. Frugal people avoid this by keeping their freezers stocked. When you cook, double the recipe and freeze half. Soups freeze well and are perfect for this. Freezer meals are especially handy before a big holiday or when you’re expecting a baby. Treats From the Bakery Bakery runs add up fast. We don’t go to bakeries. Instead, we find something fun to make with the kids at home. With a little planning and creativity, you can make so many meals and treats yourself, and the kitchen project is half the fun. Books I love the library. A library card is one of the best ways to live cheaply, and I don’t buy books anymore. If you have a Kindle or another e-reader, you can also find tons of free e-books online. I use my library’s Libby app to download free books to my Kindle anytime. Name-Brand Groceries Frugal people look for value, not name recognition. Buy generic brands by default, and only reach for the name brand when you have a coupon or know the product is significantly better. You likely won’t notice a difference on most pantry staples, and the savings add up every trip. Full-Price Groceries The number one way to save money at the grocery store is to plan your meals around what’s on sale, not the other way around. When you find a great deal, buy extra. Meat and chicken are perfect for this. When they’re on sale, ask the butcher to cut them into smaller pieces, then wrap each one separately and label everything clearly. Buying large amounts of meat is usually cheaper than buying individually cut pieces. When you can, stack a coupon or a cashback deal on top. Extra Trips to the Store The more time you spend in a store, the more likely you are to
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Georgia, the southern land of the peaches, is not usually considered a top tourist destination. People pass over the state on their way to Florida … Read more
Receiving a new Medicare insurance card doesn’t necessarily mean your healthcare coverage has changed. Review your plan’s Annual Notice of Change, provider network, prescription benefits, and costs before assuming everything will stay the same. Lordn/Shutterstock You open your mailbox and discover a brand-new Medicare insurance card from the same company you’ve used for years. The card has a different design, a new identification number, or perhaps even a different plan name. Suddenly, you’re wondering whether […]
Some of the most beautiful landscaping plants can spread aggressively, overwhelm nearby vegetation, and become expensive to remove. English ivy, Japanese wisteria, and Bradford pear are among the species homeowners should research before planting. Guppy2416/Shutterstock That gorgeous flowering vine climbing your fence or colorful shrub filling an empty corner of your yard might seem like the perfect landscaping investment. But what happens when it refuses to stop growing? Some of the most attractive plants sold […]
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Some money-saving habits get called outdated. Hanging laundry on a rack, borrowing books instead of buying them, wearing hand-me-downs, cooking dinner from whatever was on sale. Plenty of people have written them off as too much work or too old-school. But with grocery bills, utility bills, and just about everything else costing more, these habits are looking pretty smart again. They’re simple, they’re cheap, and they work whether you live frugally by choice or because you have to. Here are 11 old-fashioned frugal habits that are quietly making a comeback. Some will fit your life right away. Others may feel out of touch, and that’s okay. The best frugal tips are the ones that work for you. Hang Your Clothes To Dry Using a drying rack to hang your clothes will save you money on your electric bill. It also makes your clothes last longer, so you need to replace them less often. That’s a lot of reasons to make the switch. If a full rack in the living room isn’t your thing, start with just the heavier items like towels and jeans, which cost the most to dry. Use the Library (For More Than Books) Having a library card is one of the biggest ways you can live cheaply. I don’t buy books anymore. If you have a Kindle or another e-reader, you can download free books from your library’s Libby app any time of day. And books are just the start. Many libraries also offer games you can borrow, discounted passes to museums, and plenty of other free or cheaper perks. If you don’t have a card yet, get one. Wear Hand-Me-Downs My kids and I wear really lovely hand-me-downs. You can trade clothes with other families or shop at thrift stores to find nice things for you and your kids. One trick that helped me: before each season, I decide how many of each clothing item my kids need and only buy that amount. Sales were causing me to overbuy until I set it up this way. Eat at Home and Get Creative We experiment at home. We don’t go to bakeries; we figure out something fun to make with the kids instead. You can make so many meals and treats at home with a little planning and creativity. It costs far less than takeout or the bakery counter, and it turns into a family activity. Stock Your Freezer Keep your freezer full of meals so you don’t reach for takeout when you’re stressed or overwhelmed. When you cook, double the recipe and freeze the extra. Soups freeze well and are perfect for this. Freezer meals are especially helpful before a major holiday or when you’re having a baby. And if you have the space, a large freezer can pay for itself in six months or less. A garage or covered patio works if you have an outlet nearby. Don’t toss those slightly browning bananas, either. Freeze them for cheap smoothies and snacks.
Recently I joined a Facebook Group called Buy Nothing. At first, I thought maybe it was a type of bartering platform or re-sell market like Offer Up. Maybe it even had something to do with Buy Nothing Day, Buy Nothing Month, or No Spend November. But, as I read more, I realized the group wasn’t about any of these. The Buy Nothing Project (buynothingproject.org) was started in 2013 by a few ladies from Washington state […]
Buying fresh fruits and vegetables shouldn’t have to take up half your grocery budget. But if you’ve been paying attention to produce prices lately, you know how quickly things add up. A few apples, a container of strawberries, some lettuce, and a couple of peppers can cost more than you expected. And it’s frustrating when you spend that money only to have some of your produce go bad before you get around to eating it. […]
Houseplants brought indoors for winter can carry hidden pests such as spider mites, aphids, and mealybugs. Inspecting and isolating returning plants for several weeks can help prevent infestations from spreading to your indoor collection. Fuss Sergey/Shutterstock Your houseplants have spent the summer thriving on the patio, growing lush leaves and enjoying the warm sunshine. Now that nighttime temperatures are dropping, you’re ready to bring them indoors before the first frost. You carry your favorite plants […]