Plan for flexibility, not deprivation. Extreme frugality tends to backfire. Factor in some wiggle room for discretionary spending. Depriving yourself completely can just destroy your... Continue Reading

What’s the deal with cash back apps? Can you actually come out ahead?

Everyone has to buy the basics, from groceries to gas and everything in between.

So if you’re spending money, consider using these ten apps that will give you cash back on where you’re already shopping.

Apple Pay is a convenient way to pay for your groceries and other items.

This is especially true if you make an unplanned store trip without your physical credit cards. However, you may not have realized that you can also get cash back for your purchases that you use with Apple Pay…

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Ok, we’ve all gotten the financial advice that we need an emergency fund, and if you’re reading this post, you probably know why it’s so important.

An emergency fund can help you stay out of debt.

For example, instead of using a credit card to pay for a new tire, you can use your emergency fund. In addition, you never know when something will happen to your car, house, or even your job.

Ideally, it’s best to keep 3-6 months of your cost of living in an emergency fund, but this depends on your risk level and where you are in life. 

While you may know that you need an emergency fund, actually saving up for it can be challenging.

So where do you start?

And how do you keep the momentum going to fund 3-6 months of expenses?

With these eight ways to save for your emergency fund, you can start saving now. 

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I am introducing new streams of income into my life. I embrace the opportunity to try new things without fear. I maintain a positive and focused mindset... Continue Reading