One Cent At A Time

Living Well on Less Than $10,000 a Year: Habits of Skilled Visa Workers

November 9, 2016 67 Comments

This topic has not been covered as widely as it should have been. Let’s gain some insight into the high-skill visa workers’ life and see how well they live on less than $10,000 a year while saving a fortune. Most of us would be amazed to learn about living such a life here in the United States!

Living Under $10,000 a Year - Life of Indian Techies

Every year, thousands of high-skilled and executive class temporary visa holders (H and L classes) travel to this country. Some of them stay back, apply for residency and eventually citizenship but, the majority go back to the home country with the money saved during their stay here in the US.

Starting a Successful Business From Nothing

November 9, 2016 3 Comments

It’s the classic American Dream – you start with nothing, work incredibly hard, and build up a business that just comes from your own ideas and convictions. Can you do it? Of course, you can, even if you don’t have a lot of money to start with. How can you do it? Let’s look at some of the essentials you need as you plot your way to global success.

Business Owner

I created my blog with just $100 investment. All you really need is your time and dedication to get off the ground. Consistent hard work and passion is needed to make it a successful venture. So all you need to start a business is will and time.

Where Does Your Money Disappear Each Month?

November 7, 2016 1 Comment

If you believe a casual Google search result, some 76% of Americans are living paycheck to paycheck. We’ve seen all sorts of stories like these: most Americans don’t have even $1000 in savings, half of all Americans have no retirement investments, that kind of thing.

Where Does Your Money Disappear Each Month?

Financial hardship is a bad place to be, but even worse is not knowing how to manage your money at all. While debt and lack of savings may be the result of poor money skills, they aren’t the core problem themselves. It takes a revolution of the way you think about your money in order to stop living month to month.

201 Frugal and Perfect Birthday Gift Ideas

November 7, 2016 16 Comments

Gifting is my favorite topic to write about. A few months back we were invited into a friends birthday party and we had a hard time picking a gift. The idea to create a ready-to-refer list of birthday gifts took shape that day. I want to make this your last stop before making a decision. Each one of the ideas cost $50 or less in most of the places, with some odd exceptions. I do hope you like it the way you liked my list of anniversary gifts.

201 Birthday gift ideas

This list is divided in to categories your gift recipient fits in to. Feel free to skip to appropriate section for quick glance if you’re short of time. Else, read through the entire list. You’ll find a few you want to explore more. It took me more than 3 months to finish this list. Do let me know what you think about it and what other useful birthday gifts you can think of. Best of luck for your hunt.

10 Amazingly Unique Gift Ideas Using Fiverr for $5 only

November 3, 2016 11 Comments

I have been using Fiverr since last 4 years. It started with a logo design for this blog. All you have to do is shell out five lonely bucks an in return you get one of thousands of little services that are very useful and innovative, and you can just browse them all to find what you like. There is a section called “unique Gifts” that’s full of awesome gift ideas for just $5. Here’s I am going to mention some of the gigs that stood out to me.

Bored of the same old stuff of wine and flowers when it comes to gifts? I have noticed we are getting a lot of gift cards these days, I think people think gift cards are the best way to refrain from picking something which the receiver either don’t need or already have. Lately, have been thinking of using Fiverr to create memorable gifts that can make a mark for us. There are various gigs offered on Fiverr, that I am going to mention now. If you have a good idea to make for a gift but don’t have enough knowledge or skills, guess what?

It’s Important to Have a Good Credit Score

October 31, 2016 1 Comment

This is a guest post from one of the readers, who wants to be anonymous.

Having a good credit score wasn’t always on the top of my priority list when I was in my early 20s. I never had an immaculate score, but it also wasn’t too shabby. I could have access to almost any type of financing: credit cards, car loans, and even a mortgage. I always paid my bills on time but I typically carried over some of the balance to the next month.

It’s Important to Have a Good Credit Score

How to Deal with an Overcharging Car Mechanic

October 31, 2016 11 Comments

Have you ever wondered if your mechanic is taking advantage of you? Do you ever get the suspicion that you’re paying too much for your auto repairs? If you ever have these thoughts, you’re not alone. There are repairs that you are most likely overcharged for.

Over charging CarMechanic

Until recently, whenever I got my car repaired I felt I was overcharged. When I talked to my colleagues about it, it became clear that I was looted. Even after trying a lot of ways they suggested, nothing seemed working at first. It took time to get accustomed to getting price quotes and reading online forums. Now things started getting better and better. Not only I can now do many repairs myself but also, I seem to be satisfied with the money I pay when I get it repaired by a mechanic.

10 Most Common Passive Income Technique for Everyone

October 29, 2016 22 Comments

Anybody can earn passive income, you don’t need to find time to generate a passive income. You just invest your money or time and then sit back, relax and reap the profits from your investment. The best part is you can keep your day job, you can continue to do the work you want to do while in the background the passive income machine generates revenue for you.

Passive Income

Don’t you feel excited? Don’t you want to generate some passive income in future? I am sure you do and that’s why I wrote this article full of ideas that are most common and very practical. I know at least one person in my real life who earn money by the ideas I presented.

4 Actionable Steps for Getting Out of a Financial Rut even with Bad Credit

October 27, 2016 Leave a Comment

Some folks get into financial troubles because of a sharp unexpected drop in their income – sudden job loss, demotions, business troubles, or even a crash in the stock markets could put people in financial troubles. More so, people could run into financial troubles because of a sudden increase in their expenses. The arrival of a new child, a medical emergency, and divorce among other things could put a strain on finances.

Getting Out of a Financial Rut even with Bad Credit

Sadly, financial troubles when not quickly addressed often have an adverse effect on a person’s credit score. Hence, many people find it hard to overcome their financial troubles because they are caught in the vicious cycle of financial troubles and a bad credit score.

Wise Tips to Save on Baby’s First Year of Life

October 24, 2016 1 Comment

Caring for a child is the most rewarding thing that has ever happened to me. It might have drained my family’s savings yet it has filled us with so much love. It is said that the best things in life are those that are free, yet caring for a baby isn’t cheap. So unless you are living somewhere in a far-flung jungle, no matter how much you had saved up, budgeting will always be a struggle.

Wise Tips to Save on Baby's First Year of Life

Shopping for a baby is physically daunting and is equally draining to the wallet. Unless you have deep pockets or have a frugal friend who can guide you, you’ll need a bit of help and advice somewhere. It is unwise to wallow in debt and worry so let me help you based on my personal experience. Been there, done that; budgeting isn’t easy. Yet with a little bit of planning and some wise choices along the way, you can balance your expenses and have one less thing to worry.

« Previous Page

One Cent At A Time

Living Well on Less Than $10,000 a Year: Habits of Skilled Visa Workers

Starting a Successful Business From Nothing

Where Does Your Money Disappear Each Month?

201 Frugal and Perfect Birthday Gift Ideas

10 Amazingly Unique Gift Ideas Using Fiverr for $5 only

It’s Important to Have a Good Credit Score

How to Deal with an Overcharging Car Mechanic

10 Most Common Passive Income Technique for Everyone

4 Actionable Steps for Getting Out of a Financial Rut even with Bad Credit

Wise Tips to Save on Baby’s First Year of Life

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