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budget bustersA decade ago, the term Cyber Monday was conceived by the National Retail Federation to bolster sales even after the Thanksgiving weekend, and to create an online shopping equivalent to Black Friday. They implemented their concept by partnering with the media to couple the catchy phrase Cyber Monday with sales and promotions advertisements. Since then, it’s taken off. Last […]
We are all familiar with Sears for its home appliances and goods. But did you know vacations are now in store, too? Well, maybe not literally “in store,” but the retailer did launch SearsVacations.com last week. Sears’ new online service provides vacation and travel packages, including adjustable flight-hotel-car rentals combinations, resorts and cruise search. This […]
Here is a list of five bad habits that could save you money each year if you quit. Some of these habits are also bad for your health, but all are bad for your pocketbook. Soft drinks – If you drink one soft drink a day at $1.50 each that is $547.50 a year! If […]
Before making a big purchase, consider the hidden fees with each. You may think you have enough money to afford the monthly bills, however there are often times many “hidden” costs we forget about. Owning a home – utilities, furniture and ongoing maintenance are hidden costs many forget to consider. You may have enough to […]
Last week we discussed the first of the “three costliest money mistakes” according to Shape Magazine. This week we will look at why not having an emergency fund set up is another big mistake you can make. If you have an emergency or get sick, how do you plan to pay for it? Or what […]
Expense 4-Health Care: Like all of the other expenses discussed in the three previous weeks, health care can be an unpredictable expense, even when considering the relative “protection” provided by health insurance. Expenses that must be covered are deductibles, preventative or elective care, vitamins and minerals, and prescription costs. Are you ready for these to […]
Expense 3 – Appliances, tools and electronics: The reality of life is that things break. They do so frequently, often in bunches, when we least expect it, and at the most inopportune time. That’s why it’s important to be prepared for the replacement cost of critical appliances, tools, and electronics. Consider the lifespan of a […]
Expense 2-Gifts: Have you ever said to yourself- “No, I can’t afford to buy that gift.” It is human nature to please others and more often than not, we are going to buy that gift for someone we care about. Gifts are sporadic and unpredictable. You may forget someone’s birthday or wedding shower until the […]
There are budget categories in life where sooner or later, money will be spent. It may be $500 on a repair this month, and $400 on a new product next month. Over the course of the year, we can average out and prepare for these expenses. There are four categories of unexpected expenses that will […]