Personal Finance

11 Little Known Ways to Save Money on Groceries

When you’ve had a rough week at work, it’s hard to make responsible choices when it comes to food. Scratch that - it’s always hard to make responsible food choices.

But while plenty of people come around to a healthier approach when shopping, fewer embrace a frugal approach. As exhausting as it might feel to compare prices, food is one of the most significant expenses we encounter in our daily lives  - and it’s something you’ll need to spend on for the rest of your life. Saving a few bucks here and there might seem trivial, but that can add up to thousands fairly quickly.

Read below for some of the best ways to save money on your next grocery shopping trip.

Cosigning – Worst Case Scenarios

Here’s a sad story: Johnny is in his late 20s and looking to buy a home. All the houses in his city are selling at a premium, but he’d rather not move to the suburbs or settle for something in a crime-ridden area. He applies for a mortgage in a nice neighborhood, and the bank tells him he’ll need to find a cosigner.

Personal Loan Rates: Effects on Credit Score When You Shop for It

Measure thrice before you cut once. When it comes to making a credit-related decision, you may want to measure far more than three times. In fact, you may want to make a profound research, shop for low personal loan rates, and make calculations before taking up a loan. 

Why You Need Emergency Fund

According to a 2015 report by the Federal Reserve on the economic well-being of American households, nearly half of Americans would have trouble finding $400 in the case of an emergency.

Think about that.

Personal Loans vs. Credit Cards

Common financial wisdom says that if you want something, you need to save for it. That’s great advice - if you actually have the time.

In reality, sometimes we need extra money we just can’t wait for. Whether it’s an emergency expense, a once-in-a-lifetime business opportunity or the chance to fund the wedding of your dreams, there’s nothing wrong with going into debt if you have the right reasons.

But taking on debt is a dangerous game no matter how justified, and plenty of people start out with a little just to end up with a lot. It’s a death spiral that’s all too easy to slip into: taking on debt, struggling to keep up with expenses and falling even deeper into debt to keep up. That’s why it’s so important to choose the right debt vehicle.

How to Merge Finances with Your Partner

When you truly commit to a relationship, you start to share everything: hopes, dreams, fears, secrets, etc. It’s so freeing to find someone who understands and accepts you the way you are, and letting them into your life can be one of the most fulfilling experiences a person can enjoy.

But merging your life with someone isn’t just about sharing the emotional stuff - it’s also about finding a way to merge your assets. Combining finances is an important aspect of a long-term relationship, and it’s also a stumbling block that leads plenty of naive lovebirds down the path to separation. If done poorly or half-heartedly, it can set the stage for a relationship full of mistrust and miscommunication.

If you’re looking to merge finances with your significant other but unsure how to go about it the right way, read ahead for our best tips.

Lifestyle Inflation – How It Happens and How to Stop It

Let’s say you’re a college student and just skating by financially. You can afford rent and basic necessities, but you’re living off ramen noodles and working two jobs to make it happen. After graduation you get a nice job with benefits, and all of a sudden you can afford a bigger place and fancier foodstuff. After a promotion, you’re able to buy your own house, a shiny new car and a kitchen stocked with organic and fair-trade groceries.

You’re also thousands of dollars in debt, and in danger of losing your home. How did this happen, when just a few years previous you were getting by on a retail salary?

7 Ways to Earn More Money

In the era of minimalism and decluttering, “less is more” has become the mantra for many people. It can be freeing to let go of the trappings associated with being overly-materialistic, and there’s a peace of mind that comes with stripping things down to the basics. But whoever created the phrase “less is more” definitely wasn’t talking about money.

Taxes, Taxes, Taxes – What Are You Actually Paying

I'll remember it always. I was seventeen, a junior in high school and had just gotten my first job. My first job launched my career in the non-profit sector, but at the time, it was just something to do after school. My family life wasn't the best, and I didn't want to go home. My first day of work was on February 1st which meant the pay cycle ended on February 12th to cut our checks for February 15th. My check would be on the shorter side since I hadn't worked a full two weeks, but I was still okay with it. I ran numbers with my calculator and couldn't wait to deposit it in my new savings account I had opened up.

12 Weird Ways to Make Money on Side

If you’ve cut every unnecessary expense from your budget and are still struggling to pay the bills or reach your financial goals, it’s probably time for the other option: make more money.

But how? Asking for a raise or finding a new job is one answer, but sometimes you just have to make more money on the side. If you don’t want to get a retail job or find a traditional part-time work, there are lots of options for you. Here are some of the best and weirdest ways to make money on the side.