How to Start Investing on a Low Income

It doesn't matter how much money you make - you can start investing on a low income. Here are the steps you need to take.

It is possible to start investing even when you’re on a low income. In fact, it’s more than possible – it’s a good idea. If you slowly start investing you’ll learn what to do and, more importantly, what not to do, without risking a ton of money. I got started when I was making very little and have since gradually been increasing those amounts. Here’s

3 Ways to Get Out of Debt

ways to get out of debt

Drowning in debt is an extremely stressful situation – especially if what you owe is more than what you earn each month. You will feel this burden day in and day out. While paying for your regular bills, you also have to make sure that your debts are paid off in a timely manner. Aside from this, you also need to put aside some extra

Should You Opt for Credit Card Debt Consolidation?


There are various people who will tell you that credit card debt consolidation remains one of the most effective ways in which you can get out of debts. Debt consolidation helps you to combine your high paying debts in to a single debt with lower interest rate. The debt specialists negotiate with your creditors regarding the interest rates and also request them to waive off

The Art of Intentional Lifestyle Inflation

Do you have a plan for your money? For me, I realized at some point I had to stop saving and start enjoying. Intentional lifestyle inflation was what i did.

Over the past several years I’ve made a ton of short term sacrifices so I that I could create the life I wanted to be living. I was recently thinking about how the line items in my budget are way different now than what they are three years ago. And I realized – my sacrifices are starting to pay off! I am all for practicing

The Four Most Basic Things You Should Know About Money

Are you new to personal finance? Here are the four most basic things you should know about money. Learn these and you'll be set.

I firmly believe that post people know that “how’s” or personal finance and just don’t have a strong enough “why.” However, with so much information available people can also get bogged down in the “how’s” looking to take too many paths. If you’re someone who is just starting from scratch these are the most basic things you should know about money. Once you learn these

Why Frugality is Not Enough

If you're working toward financial stability frugality is not enough. Instead you should be collectively focusing on these three things.

In the personal finance world frugality is made out to be some magical unicorn that’s going to bring you the ultimate financial success. Most personal finance bloggers worship frugality, looking to save money in any and every way possible. I never quite understood it. My goals went more like this – “I want to make and save enough money so that it makes no difference

How to Save Money on Pregnancy Tests

If you're trying to conceive the costs of pregnancy tests can up quick! Here's how to save money on pregnancy tests and pay as little as $0.38 per test!

This post might sound a little crazy to anyone who has either never tried to conceive or has had no problem conceiving. However, today I’ve got to represent (and help!) all the women who are trying to conceive but are going through a long process. I’ve went down a bumpy road myself this year. And I’ll tell you what – I’ve spent far more on

A Loan for Improving Your Property

improve your property

The bulk of property holders will complete some kind of preservation or enhancements upon it at some point, fluctuating from extensions down to over-all upkeeps. These commonly add value. The majority of the vast expansions however can be fairly expensive, unless privileged enough to have reserves to pay for these often people elect for a home improvement loan to attain these developments. If you are

My One Page Financial Plan

Having a one page financial plan is a great way to figure out what matters to you most and to stay focused on your goals. Here's my one page financial plan.

There’s a new personal finance book floating around – The One-Page Financial Plan: A Simple Way to Be Smart About Your Money. While I actually haven’t read this book I like the concept the title suggests: keep your financial plan to one page! I was able to very easily come up with my own one page financial plan which consists of just two big goals!

What Are Slot Machine Payback Percentages?


If you have ever seen an advertisement that says that a specific casino has very loose slots, you may have wondered what this meant. You also may have heard about payback percentages in an advertisement like this. Perhaps you read that a slot machine or set of slot machines had a 97 percent or 96 percent payback percentage. Furthermore, some signs inside casinos say that