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August 10, 2022 by: Vicky Monroe

Why I Don’t Use Budgeting Apps and Prefer Paper and Pen

Budgeting Apps

Many people swear by paid budgeting software like You Need a Budget. They say YNAB helped them get in control of their finances and save thousands of dollars, so it’s worth the cost. But I can’t justify spending money on budgeting software, no matter how many useful features it has.  Budgeting is all about eliminating unnecessary expenses and saving more money for the future. So

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August 3, 2022 by: Vicky Monroe

How I Save Money By Making Wish Lists

Writing a Wish List Saves Me Money

Every year before Christmas, my parents would ask me to write a list of things I wanted so they could give it to Santa. I was always surprised and delighted to see a few items from that list under the tree on Christmas morning. But I usually didn’t get everything I wanted, which taught me to be patient. If I was really pining for something

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July 27, 2022 by: Vicky Monroe

4 Ways To Reign In Summer Spending

Reign in Summer Spending

It’s probably no surprise that summer is the most expensive time of the year. The cost of road trips, outdoor concerts, and summer camp for the kids adds up. A study by MassMutual showed that half of Americans spend more money during the summer than other seasons. Women were more likely than men to report that they spend more in the summer months, especially due

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July 20, 2022 by: Vicky Monroe

How to Live Like a Celebrity On a Budget

How to live like a celeb on a budget

We all want to live and look like our favorite influencers and celebrities. Unfortunately, most of us don’t earn enough money to go on fancy vacations and wear the latest designer fashions. But luckily there are ways to indulge your expensive taste on a budget. Here are some tips I use to inject a little luxury into my lifestyle without breaking the bank.  Train Like

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July 13, 2022 by: Vicky Monroe

4 Financial Tips I’d Give My Younger Self

Financial Advice I'd Give to My Younger Self

Do you ever look back on financial mistakes you made when you were younger and cringe? There are many money-related things I wish I’d done differently during my teen and young adult years. If I could go back and give myself financial tips, I’d probably be better off today. Too bad I don’t have a time machine!  I can’t fix my past mistakes, but at

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July 6, 2022 by: Vicky Monroe

Is Getting a Big Tax Refund Bad?

Is It Bad to Get a Large Tax Refund?

Every year my partner and I usually get a big tax refund. In total, we received about $4,500 this year, which is around $1,000 more than the average tax refund. Many personal finance experts say you should adjust your withholding if you receive large tax refunds to avoid giving the government an interest-free loan. However, getting a large tax refund has some underrated financial benefits.

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June 29, 2022 by: Vicky Monroe

How To Adjust Your Budget To Account For Inflation

Adjusting Your Budget to Account for Inflation

Inflation reached a 40-year high in May of 8.6%. The price of food is up 10.8% and gas costs an average of $4.88 a gallon. These drastic price increases have caused many Americans to feel financially strained. I’ve been finding it hard to stick to the budget I created two years ago. If you’re frequently going over your budget too, it may be time to

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June 22, 2022 by: Vicky Monroe

6 Things I Won’t Cut Back On To Save Money

Things I Won't Cut Back on to Save Money

In order to save money, you have to exercise financial discipline and eliminate some luxuries. It probably isn’t possible to meet aggressive financial goals while ordering takeout every night and shopping on Amazon all the time. I’m willing to live a simple, modest lifestyle to have financial security. But there are some things I won’t do to save money because they’re too much of a

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June 15, 2022 by: Vicky Monroe

How To Protect Your Savings From Inflation

How to protect your savings from inflation

In May, inflation hit a 40-year high of 8.6%. The cost of essentials like gas and groceries has risen sharply, so we’re all losing purchasing power and feeling the pinch. This high-inflation environment is also eroding the value of our savings. Bank accounts don’t offer enough interest to outpace inflation, so we’re effectively losing money by parking our cash in savings accounts. With economists predicting

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June 8, 2022 by: Vicky Monroe

3 Smart Ways to Use Unexpected Money

3 Smart Ways to Use Unexpected Income

My partner and I just got married in March. We decided to keep the event low-key and have a small ceremony in our backyard with close friends and family. Thanks to their generosity, we’ve received a couple thousand dollars in wedding gifts. Since we didn’t expect to receive this much money, we’ve been trying to figure out the best way to utilize it.  If you’ve

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