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One Cent At A Time

A Personal finance blog to get rich

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Stop Wasting Money on Magazines

March 25, 2016 3 Comments

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Most American households subscribe to at least one paper magazine. Circulation of paper version is on a decline but still too many paper copies are distributed every month. Not only paper copies are harder to read, they are damaging the environment as well. Trees are killed to make papers.

Stop Wasting Money on Magazines

Over the past seven years, my wife and I have subscribed to over ten magazines a month. At times, I don’t read or open any of the issues and let them pile up on the counter month after month. This pile of paper got me thinking, why do we pay for these magazines when everything I want to know I research on the internet?I think magazines are a waste of money, but I can’t seem to unsubscribe to some that I truly love and add value to my life.

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3 Tips to Save on the New Year’s Party

February 29, 2016 3 Comments

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I started writing this blog post in December 2015. Somehow this post took longer to finish, so much so that new year is way past us and we are in February now. This new year, we went out to see a Christmas lighting in Miami (Santa’s enchanted forest) then had dinner out in downtown Ft. Lauderdale. We didn’t spend too much money but at the same time, we had a lot of fun.

3 Tips to Save on the New Year's Party

A new year’s party may not be the all-you-can-spend day. People can have maximum fun with minimum money spent. The best way to enjoy a great new year is to have a potluck dinner with friends. Cracking some fireworks, having a chit chat with live TV telecast in the background. That’s exactly how we spent 2015 new year’s eve.

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Making 2016 A Great Year For Your Business Finances

January 29, 2016 2 Comments

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Making changes to processes in an active business is like changing the tires on a car at highway speed. It may be worth it in the long run, but it’s a huge challenge in the short run. The best way to approach such transitions is to find the slowest possible times of the year to implement changes.

One time of the year that things slow down just enough to make some changes is the first couple of months of the year. Everything is closed out and cleared out, and you can start the new calendar with some new techniques. And if you’re just now venturing into business, start on the right foot.

If you felt that 2015 had too much complexity, too many errors, and not enough good news from taxes, look through some of the possibilities for saving in 2016.

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14 Creative Ways to Reduce Home Remodel Cost

January 20, 2016 2 Comments

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When we moved to our home in 2014, it needed some work, not exactly repair work but remodel work. Like painting, some landscaping fixes. Moving dog-bitten plantation shutters out, resealing windows and doors, etc. We could have hired professionals or at least, a handyman could do those things. But we decided to do it ourselves. Firstly, to save some money, and secondly, we wanted to do those. You know, being a first-time homeowner.

14 Creative Ways to Pay for a Home Remodel

But you may not be as lucky as we were. Your home might need some serious repair and remodeling. Unfortunately, not all of us can afford to gut and rebuild our homes to our exact requirements and specifications. This doesn’t mean, however, that you have to just learn to live with what you’ve got.

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How to Fight the Landlord and Win: Negotiating Rent

January 13, 2016 5 Comments

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When my husband and I moved from Pennsylvania to Florida, we visited nearly every apartment complex in a 30-mile radius to find just the right mix of safety, convenience, and affordability. We had a strict budget of $1,000 a month for a 2-bedroom home that would also allow us to bring our dog.

Negotiating Rent

After driving hundreds of miles in circles through every neighborhood, we did find a fantastic apartment right under our budget at $950 that was in a lovely location.

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Spend Less and Save More Without a Traditional Budget

December 21, 2015 4 Comments

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I learned early in life that spending less than you earn, paying yourself first, and investing for the long term can pay huge dividends over time.  But I never really followed a budget, and only recently decided I needed to implement one.

Spend Less and Save More

During this process, I discovered that there are a few simple things you can do once a year or so, and a few simple things you can do every day that will help you control spending without the complexity of a traditional budget. The key comes from periodically identifying areas where you can eliminate or trim expenses, and implementing a plan to help you control spending in the comparatively few areas where your day-to-day choices make a difference.

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How to Save Money for Your Business

December 9, 2015 2 Comments

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So you are looking to expand your business but you just don’t have the financial capital to do so? Well, maybe you don’t need to go out and search for loans or other financial assistance. Perhaps you can just use this money saving tips in order to squeeze a bit of extra financial juice out of what you already have.

Save Money On Small Businesses

I run two blogs, including this, as a side business. I earn a decent income from them, after paying taxes I am left with enough extra money to pay the monthly mortgage with additional principle. There’s almost no expense apart from the hosting fee and email software fee. I run the businesses with just above $40 a month.

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Keeping Cremation Cost Under Control

September 23, 2015 3 Comments

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Funerals and cremations are a social taboo. We don’t talk about those. But let’s not forget we all have to incur that expense at some point in time. It’s important to be ready in advance so that when the time comes, you respond in a financially responsible way. Any life event, if we are not fully prepared for, would drain a lot of resources, including financial. In this article, we will talk about making cremation affordable.

A mourning family certainly deserves one less stress to be added to their lives.

Currently, a funeral in the United States costs between $7,000 to $10,000. This cost includes the services at the funeral home, burial and installation of a headstone. And keep in mind that prices may vary greatly, depending on different funeral homes and their location in the country.

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Save Money While Driving, For a Better Car

September 21, 2015 3 Comments

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If you’re a car owner you can probably vouch for the fact that vehicle ownership can be an expensive thing to manage. This can be especially challenging for younger drivers who face higher insurance premiums and may struggle to afford a newer car in the first place.

Save Money While Driving For a Better Car

There are ways for you to save when you’re driving, though, ranging from how you drive to general maintenance. Then, with clever investments using these savings, you can help to further prolong the lifespan of your car and limit the chance of you having to fork out for repairs. To find out how you can do this, read on to discover our suggestions.

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Money Saving Tips from Legendary Coach John Wooden

June 17, 2015 Leave a Comment

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I have always admired legendary basketball coach John Wooden. However, the older I get, the more I look up to Wooden for his contributions off the basketball court. He was an amazing person: hardworking, charitable, gracious, wise.

Money Saving Tips from Legendary Coach John Wooden

He was also frugal, living simply in the same modest Encino condo until his death in 2010. He has inspired me to find joy in the simple things in life that don’t cost much money: a beautiful sunrise, a hot mug of tea, a good book, the happy thump of my dog’s tail against the carpet.

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