A Personal finance blog for saving money and earning more and thus having a better life
If you are looking to buy a house of your own, then you will need to save up the money for a mortgage down payment. This is the cash that you bring to the closing table when purchasing a home. Although you may borrow money from the bank in the form of a mortgage or home loan, in most cases a portion of the money will need to come from you.
The higher your down payment, the less you will need to borrow to purchase your home and you will have smaller monthly repayments to make.
Are you a young business grad or even a student with some savings dreaming of an entrepreneurial venture? Do you want to invest your retirement funds in something lucrative Food business and eateries, in particular, are one of the most thriving business areas?
There is a reason why you are noticing a dearth of food bloggers Instagram these days, Eating out is more of a lifestyle symbol now. If you are a beginner and are planning to get into this business, here is a quick guide to help you start up.
Are your savings a little wimpy? Maybe you are working as hard as possible only to see a small trickle of funds to reach your savings account. Don’t despair, there are ways to beef up your bucks without getting a second job.
Building long term wealth can give you the freedom to live life while your money does the heavy lifting, and it all starts with investing. Instead of letting your savings sit around and gather dust, you can put your money to work. Your money can earn savings account interest and start to grow some muscle.
There is simply no denying that today’s era could be described as an online retail one. Just look at the number of consumers that are shopping online these days. In addition to this, you can literally buy everything that you need online. Do you want groceries delivered to your door?
Sure, no problem! You want to order your favorite takeout and track it right to your front doorsteps? You can do that do! Not only are consumers shopping online more, but they use the Internet to research their products before shopping.
When most people think of home improvements, all they can focus on is the money that it will take to make the necessary upgrades. Well, what if you were spending money now to save more in the future? Believe it or not, there are a number of home renovation projects that can actually help you to save quite a bit of money. If you are curious to learn about what these are, here are your top options
If you’re planning to sell your house, either now or in the future, it’s a good idea to invest in things that can increase the value of your home. These investments don’t need to be major because small investments done tastefully and thoughtfully can raise your home value.
In the last post, I touched upon the idea of credit card rewards and sign-up bonuses. Now I am going to expand it a bit and share my experience with you. For those who’re joining late, this is about travel hacking to get (almost) free airfare and hotel stays, multiple times a year. Let’s embark on the journey now.
I was near 100% credit card user for the last 10 years. I used to pay only mortgage and utility bills using my bank accounts. For everything else, I used credit cards. As a result, I earned a lot of credit card rewards and cash backs.
This is the first of a series of posts I am going to write on credit cards and travel hacking. I started with this hobby recently and I want my readers to get benefited by what I have learned so far. If travel is your thing and you can use credit cards with ease, this series is just for you!
Often we, personal finance bloggers, ask our readers to limit credit card usage. That’s only applicable for people who have had a bad history is handling credit cards. Typically if you are a person who likes to carry credit card balance month to month you shouldn’t use a credit card at all. financially it makes no sense!
We’ve all been there, staring at a window shop wishing we could afford whatever outfit was on display in front of us. Unfortunately, sometimes it’s just never practical to buy that particular outfit. There are often more important things that people need to spend their money on likes bills or food.
However, you might come to a point in your life where you need to buy a new suit for an important job interview or maybe you’re getting married. Sometimes you might need to spend a little more than you planned for.
I got a flyer earlier this year about using our rooftop to host solar cells. Our local energy company Florida Power and Light has a program to net meter the solar energy. That means if I produce solar energy then they’d buy back the excess from me. And if I produce less then I’ll have to pay regular bills which were underproduced.
Father’s day is around the corner. Unlike in the past where mother’s day used to be celebrated more widely, nowadays the father’s day is of equal importance to families. Children buy gifts for their dad. Mothers do buy gifts on behalf of their little kids as well. They go out they plan for that day ahead.
SB junior is just 3 years old, the gifts I’ve gotten so far were selected and paid for by SMB (wife). I got a shirt and mouse pad with embossed picture of my time together with the junior. I got a bonsai pot on the second father’s day.