Search Results for: blog spending money you dont have

5 Frugal Practices That May Be Costing You Money

Sometimes even the best intentions to save money fail. Are you losing money while trying to be frugal? Here are five frugal practices that may be costing you money. • Stockpiling Do you still have cans of vegetables from 2001? Have the breadcrumbs gone stale? Stockpiling is a great way to save money and to be prepared for rising prices, but when you have half a pantry full of expired food then stockpiling is costing you money. To solve this problem, don’t give up on the stockpiling, just get a little more organized. Rotate your pantry items and keep track … Continue reading →

Why Credit Card Spending Doesn’t Feel Real

It is true. Spending cash is painful to us, while using a credit card doesn’t quite feel real. Oh sure, logically we know that we are spending the money on that new television, iPad or boots, but there is a well-documented disconnect in our brains that makes it much easier to spend when we do it with a credit card. Think I might be wrong? The average household credit card debt through the end of 2012 was $15,422. The average cash debt? That is $0, of course. With cash, you don’t want spend what you don’t have. So why does … Continue reading →

Can You Afford to Save?

Financial experts, from Suze Orman to Maria Bartiromo often suggest putting away a set amount of cash each month to cover emergencies. The advice looks great on paper, but when you’re pinching pennies saving money can be next to impossible. After all, how can you save what you don’t have? According to experts, in cases where your budget is stretched to the limit, you should still put aside a few dollars per month. Even if you are only able to sock away $250 to $500 in a year’s time that money can help offset unexpected expenses, such as vehicle repairs … Continue reading →

Free Things You May Or May Not Know About

In my opinion and I am sure the opinion of many of you, the best price for anything is free. While we can not get everything that we want and need for free, it is nice to know that sometimes we do get a break. Today, as I was perusing the interesting information on Yahoo! Finance, I came across Farnoosh Torabi’s list of some great things that won’t cost you anything. Some of the things on the list were not surprising to me, but some of them were things that I had not heard about. In the “already knew about … Continue reading →

Spending Money You Don’t Have

My dad despises credit cards. He always says that using a credit card is spending money you don’t have. In essence, a credit card is a type of loan, which can carry an extremely high interest rate if you are not careful. One of the ways you can keep your credit card balances from ruining your financial future is to examine the reason you use them. For example, if you regularly whip out a credit card to make purchases whenever you see something you really, really want, but really, really don’t have the money for, then you might be an … Continue reading →

Why Does Fitness Have to Be So Expensive?

Did you ever notice that even the simplest things can be made into something expensive? Let me give you an example. What about the “shape-up” shoes or other similar types of shoes that claim to help you lose weight while you walk? While a good pair of shoes does make a difference, I find it interesting that a pair of shoes that costs well over $100 can make such a claim. Now if you own a pair don’t get ready to send me a note about how great the shoes are. I’m not saying they aren’t great. All I am … Continue reading →

When You are Feeling Neglected

Many times when spouses feel slighted by their partners or they feel as though they aren’t getting their needs met. When someone feels this way, feels unloved, it is almost natural to close in and look elsewhere for those needs to be fulfilled. But, it is so much better to put that effort into looking toward your marriage instead. Don’t look elsewhere Let us pretend that you have been feeling neglected because your spouse is always out with his or her friends. An initial reaction might be to go and hang out with your friends as well, flirting a bit … Continue reading →

Protecting your Husband’s Health

Stress can come to all of us at times. Stress can cause all sorts of health issues, like heart disease, stomach ulcers, migraines, and, some believe, cancer. As much as possible try and keep stress to a minimum by trying to make your home a peaceful place. Make sure you both have a time to relax, enjoy a hobby and have couple time when you can talk things through. Don’t let your expectations put too much stress on your spouse. In this day and age money issues are a point of concern, so watch the spending so it does not … Continue reading →

Can a Messy Home Make you Spend More?

I believe that the answer to the above question is a definite yes. A messy home can cause all kinds of spending traps. At least, I try to tell myself this when I am just not in the mood to pick things up or purge things that aren’t useful or really wanted. Having a non-messy home can be a great way to save money on the sneak while boosting your mood (assuming that having a non-messy house makes you feel good). Here are my reasons for believing that a messy house can make you spend more. The biggest reason, I … Continue reading →

Halloween, the Economy and Your Family

Oprah Winfrey just devoted an entire show to the best money lessons you can teach your kids in these troubling economic times. The show featured tips on how to tell overindulged children that the spending needs to stop—-NOW. Financial guru Suze “tell-it-like-it-is” Orman was back scolding Oprah’s chosen families about how their reckless spending helped drive our economy straight into the dumpster. Though, as I watched the program I wondered how much of Orman’s advice was falling on deaf ears. After all, while Orman was chastising parents for overindulging their kids, the National Retail Federation was releasing information they gathered … Continue reading →