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There’s an old saying that time is money. There’s also the view that, on occasion, getting money owed to you is more bother than it’s worth. My wife Suzie and I have reached that stage over a $2000 cell phone bill. In the lead-up to retirement, we made a concerted effort to streamline our finances. That’s when it came to light that we’d been billed for a third cell plan going back several years. Suzie […]
Budgeting. Check. Savings account. Check. Clipping coupons. Yeah, you’re already doing that, too. It’s time to look at the fringes of frugal living and find some more “creative” ways to save money. Who knows? Maybe they won’t seem that crazy to you. The good news: even if they do, they work! Cut Your Own Hair Okay, we’re coming out of the gate hot here with something that most people will find absurd. But trust us: it’s nowhere near as difficult as it sounds, especially if you have a simple hairstyle. With a few online tutorials and some basic tools, you can maintain your style at home. Plus, you’ll gain confidence in your skills. And, who doesn’t love a little self-sufficiency when it means saving anywhere between $30 and $60 a month? Be Obsessed With Lowering Food Waste This might seem extreme, but being conscious about food waste can lead to significant savings. Get creative with your leftovers, plan meals around what you already have, and use every part of your produce, even the scraps! Like with cutting your hair, many tutorials offer tons of tips for repurposing every last bit of food in your fridge. And once you get the hang of it, you’ll realize it’s not only easier than you thought, but it’ll be hard to justify going back! Want to start meal planning? It’s easier than you think! Grab this free meal planner and shopping list and get your food budget under control! Negotiate Your Bills Most people would never dream of calling their internet provider and asking for a better deal. But those who find the strength within themselves to do it are often rewarded handsomely. It may feel awkward, but reaching out to service providers to negotiate your bills can lead to surprising discounts. They want to keep you as a customer, so many providers are trained to negotiate specifically with these kinds of calls. In some cases, it won’t even feel like playing hardball; they’ll just offer you a cheaper package flat out when you ask! Reuse Plastic Bags Don’t toss plastic bags. Repurpose them into trash liners, storage, or even to carry produce at the grocery store. Plastic is terrible for the environment, so while you might get a few sideways glances when you put tomatoes in a department store bag, remember you’re doing your part for a healthier planet. This tip is especially useful for those living in states that charge per plastic bag, too; save them and bring them back so you aren’t charged twice! Unplug Everything at Night Yes, unplugging everything before bed is an inconvenience. But once you get into the habit, it’s not nearly as bad as you think. Unplugging electronics when they’re not in use can save you a surprising amount on your energy bill. Many devices consume power even when turned off, known as “phantom load.” Make it a part of your nightly routine to go around and pull the plug from every room. And
If you read about the financial stresses that we’re dealing with now, you can understand why we’re being extra careful with our grocery spending this month. You can see my menu plan and how I came up with it here. I love having a category that I feel completely in control of. When we need to cut our monthly spending, I know I can do that with the grocery budget. After going for 3 months […]
That first-generation N-Gage buried in a junk drawer looks like a phone that lost a fight with a video game cartridge. It photographed badly held up to your ear, which is exactly why everyone made fun of it in 2003. It’s also exactly why a clean, working one is worth real money today. Early 2000s […] The post 12 early-2000s electronics collectors will pay good money for appeared first on Wealthysinglemommy.com.
Sen. Elizabeth Warren is seeking information from four major infrastructure investors about their data center investments, focusing on potential overlaps between electricity supply and demand as concerns grow over rising energy costs and the rapid expansion of artificial intelligence infrastructure. Warren, a Massachusetts Democrat and ranking member of the Senate Banking Committee, sent letters to BlackRock, Blackstone Group, Brookfield Infrastructure Partners and KKR, requesting information about their data center deals. Read the rest
Effort is not an edge. Grit may pay bountiful dividends in fields like music sports, and the arts. The stock market is another story. Frank Sinatra wrote about 1,200 songs. Of these, 209 became hits. This equates to a success rate of 17%. Yankee legend, Babe Ruth strode to the plate 8,399 times. He managed to hit the ball out of the park 714 times. Out of his total at-bats, his homerun percentage was 8.5%. Famed painter P…The post The Math of Success Is Brutal appeared first on A Teachable Moment.
In this post, I offer a brief response to a recent thoughtful Reddit post. Credit to the poster for putting his or her views out there in an organized fashion and continuing the discourse. The poster is concerned about one of the predictions Cody Garrett and I make in the book Tax Planning To and […]
The other day I made $10 winning a set of tennis at a public park. It was a funny situation because I didn’t set out to make money playing tennis. It just happened. I was hitting with my long-time buddy, Richard, next to a young man and a couple of regulars. We asked them if […] The post Sandbagging As A Way Of Life To Build Greater Wealth appeared first on Financial Samurai.
Cleveland might not be the first city that comes to mind when you’re planning a trip, but there’s plenty to do once you get there. The city has professional sports, museums, good food, music history, and some interesting places to explore. You can also use Cleveland as a base for a couple of easy…
You’ve decided to buy a house. Congratulations! Now comes the hard part. Buying a home in Jamaica can be exciting, but if this is your first time doing it, the process can also feel overwhelming. Between finding the property, getting a mortgage, paying closing costs, dealing with lawyers, valuations, surveys and trying to figure out exactly how much house you can actually afford, there is a lot to think about. I bought my first home […]
Investing in stocks is one of the ways that Jamaicans can build wealth over the long term, but I think there is still a perception that investing in the stock market is complicated or only for people who have a lot of money. It really doesn’t have to be. If you have money sitting in a regular savings account, you are probably already familiar with the frustration of seeing very little return on it. Investing […]
Simplicity and the concept of ‘less is more’ can be beneficial in much more than finance. The tiny home movement has proved to be a great new option for a lot of people looking to live a simpler, more abundant life. This week’s guest, Jewel Pearson, is not only a tiny homeowner but she is also an advocate and community leader that shares her tiny living experiences and assists others in achieving their tiny living […]
Listen to the pod Ian Dempsey spent years giving financial advice while quietly carrying credit card debt of his own. He tells Sammie Ellard-King how a switch to Starling pots, a stash of brown envelopes and one uncomfortable bank statement forced him to fix his own money before he could keep fixing everyone else’s. Ian Dempsey is an independent financial adviser trading as The Moneyman, with 15 years in banking including spells at Santander and […]