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One Cent At A Time

A Personal finance blog to get rich

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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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Avoid Living The Paycheck to Paycheck Life With These Tips

March 16, 2015 2 Comments

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From all of the blessings that have happened in my life over the past few years (new house, new country, side income), is the one that has really helped me to better sleep at night, it is saving a portion I earn for future. it is the move away from living paycheck to paycheck. Paycheck to paycheck living happens when you’re waiting for your next paycheck before you make the financial moves basics each month, as example paying bills or buying food or doing some fun.

Stop living on Pay Check

 

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Ice Cream vs Retirement

August 1, 2014 7 Comments

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You make choices about your financial future every day. Whether it’s saving 10 percent of your income or purchasing a water bottle at the gas station, these small, seemingly insignificant choices can decide your financial future over time. And if you don’t carefully plan for your money to go where you’d like it to go? It can cost you your happiness and security in the long run.

IceCream vs Retirement

Even though we might not think purchases that only cost a few dollars are significant, they actually are quite important. Especially when you consider those purchases from the perspective of compounded interest.

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Few Smart Buys for this Year

May 14, 2014 1 Comment

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In this guest post Jennifer talks about a buying list that can be considered as investments, to the essence that these will make your life easier and make you spend less money on other things. As personal finance is very personal, I am OK with this list. This list might work for you, but definitely won’t work with all. Some of the items, like amazon prime membership which we don’t have and probably never have, did make in to this smart buying list. Enjoy the post!

Buying

Financial instability is something so many of us struggle with but are always looking to find answers to. Money saving is challenging for many due to the progressive tendencies of having to take money from saving accounts for emergencies and extra things that we may need.

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Do You Have One of These 6 Money Sucking Habits?

February 21, 2014 7 Comments

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When I first started blogging here, one of my popular posts was 80 Ways to Lose Money foolishly. People objected to items like drinking and coffee, etc. As for many those are essential expenses. Even playing golf, for that matter, can be a profitable investment of money. The contacts you make in the bar or in the Barista can even turn your career upside down, it happened to one of my friends.

Losing Money

Personal finance is very personal, for some coffee is waste of money, on the other hand a cup of coffee everyday increases productivity, at least mentally. Enjoy this guest post from Madeline. The task for you to capture 6 most money sucking habits you have.

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5 Money Wasters you Can Cut Out From Life

July 3, 2013 19 Comments

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Previously I posted 80 Ways to Lose Money,  that article talked about 80 different ways you can waste your hard earned money. This article talks about 5 of them in depth, that you can cut from your life. Caution, this is not to tell you to absolutely cut these out. I know for some of you having text messaging plans or unlimited data plan on your cell phone is important. In that case you may find some alternative that you can get rid of

Losing Money

Money wasters in life are great threats to your savings. They could even risk your riches and set you on a downward decline. You need to identify them and cut them completely from your life. Here are the five money wasters you can cut from you’re your life.

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5 Financial Mistakes to Avoid this Holiday Season

December 5, 2012 14 Comments

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The following is a guest post

Holiday Shopping

There are several financial mistakes that can set you back over the Holidays. It is important to be aware of what those mistakes are so that you can keep from making them. Here are 5 common financial mistakes to avoid this holiday season and what you can do to prevent making them:

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Kathy, Cynthia, Joyce, and Carmen Go Black Friday Shopping

November 7, 2011 20 Comments

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Kathy, Cynthia, Joyce, and Carmen are four friends. Cynthia and Joyce are both married with kids. Kathy is dating, while Carmen is single and ready to mingle.  On a Sunday evening the following conversation took place between them.

Kathy: Ladies, what’s the holiday shopping plan? Are we going out on Black Friday?

Carmen: I guess I’m going to check out Best Buy. I need to get the catalog first; do you know when it’s coming out?

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How Do I Buy Software Online; Things To Consider Before You Buy

August 16, 2011 5 Comments

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Buying software online is a risky proposition, especially if you are new to shopping online. Whether you are upgrading software version or looking for a new one to install, the process will be a much easier if you pay attention to details.

I never had a problem buying software online, its relatively easier these days as you don’t have to wait for the CD to arrive in your mail box. Rather, you can download instantly and start using within a few minutes as installation process completes.

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Do You Really Need Netflix Subscription, I Don’t

July 18, 2011 56 Comments

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No, I don’t, I am fine with the way I am, living without Netflix for last 5 years. I ask you to think about your plan too. Do you really need to keep on subscribing to Netflix?


This is one of the businesses that is striving on our disposable income, you go to your friend’s house, and seeing him/her using Netflix, you order your’s own, without realizing if you really need it.

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