How to Stay Healthy Without Paying for an Overpriced Gym Membership

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Going to the gym isn’t always the best option for everyone who wants to work out and stay healthy, in fact, for some, it doesn’t make sense at all. Since 67 percent of gym members don’t go to the gym at all and many more don’t go often, it results in an unnecessary expense.

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Tips to Help You Actually Stick to Your Budget

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So you’ve spent the time creating your budget (or plan to create your budget soon, learn how to here), but now you need to actually stick to it so you can take control of your finances! First, let me congratulate you on creating your budget – that took a lot of time and thoughtfulness. But now comes the real work – sticking to the budget. After all, you won’t reach your financial goals if you can’t stick to them. It takes work and determination. You CAN do it, and these tips will help you stay on track.

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How to Make the Most of Your Garden to Save Money

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Can you really save money by growing your own fruits and vegetables? Yes, of course you can if you plant your garden and grow the right things. In fact, an average plot provides an estimated 300 pounds of fresh produce worth $600, according to a study by the National Gardening Association (NGA). That estimate is based on an average gardener’s investment of $70 – so $530 is a pretty nice return!

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What is the Debt Snowball Method and How Does it Work?

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If you are looking to get out of debt, the snowball method is a great way to get the ball rolling – pun intended. If you’ve made a snowman before, you already understand the basic concept. As you pack more snow into a tight ball and roll it around the snow-covered yard, you gain momentum and speed as your snowball becomes a snow boulder.

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Debt Collectors – What They Can and Can’t Do

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There are few calls that elicit as much dread and frustration as a debt collector. Yes, even more than those extended car warranty calls! While it’s probably not a number saved in your phone, you know who the number belongs to. Each time it calls you get that sickly feeling – fear, shame, anxiety, anger, and annoyance. We’ve all been there at some point, for one reason or another, and besides calling constantly, you may or may not be aware that there are some rules that debt collectors do have to follow.

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Online Grocery Shopping – Budget Friend or Foe?

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Before I dive into the meat of the blog, I have to ask – does anyone actually enjoy grocery shopping? For most people, it’s one of those chores that never goes away – like washing dishes. No matter how many times you do it, you always have to do it again.

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How to Easily Build Your Business Credit

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When it comes to obtaining funding for your business – a line of credit, SBA loan, or financing to buy equipment or inventory – having a strong business credit score can make all the difference in getting approved. Obtaining a solid business credit score is a little more complicated than just paying your loans on time. Unlike personal credit, it can take much longer to build your business credit since not all loans or vendor report to credit agencies.

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Budgeting MYTHS you should avoid!

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Let’s be honest – there is A LOT of advice out there when it comes to creating and sticking to a budget. Perhaps you’ve followed some, tried budgeting, and it just didn’t work out. Budgeting is hard!

Budgeting is essential if you want to pay down debt, save money, and have an idea of where all your income is going each month. It’s a tool you need to achieve your money goals, and while getting in the budgeting habit can be hard, it can be a lot harder if you fall for these budgeting myths.

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Student Loans – How to choose between Parent PLUS Loans vs. Private Parent Loans

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Whether your child is an upcoming Freshman or a returning Junior, it’s never too early to start planning for the upcoming college school year. Like most parents, you probably want to assist your child with the cost of college tuition beyond any scholarships, grants, or student loans of their own. If you need to borrow money, you may need to decide which is the best option for you – a Federal Parent PLUS Loan or a Parent Private Student Loan.

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