Jan
08
2018

How to Keep on Track with New Year’s Resolutions: Learn a New Skill or Hobby

Closing out our series on how to stay on track with New Year’s resolutions, this post will deal with learning a new skill or hobby, and the benefits of doing so. Having a hobby is more than just a way to pass the time. Hobbies can also improve the quality of your life. A hobby… Read more >

Dec
27
2017

How to Keep on Track with New Year’s Resolutions: Give Up a Bad Habit

Continuing our series on How to stay on track with New Year’s resolutions, this post will deal with how to give up a bad habit. Experts say the best way to give up a bad habit is to replace it with a good one. Studies have shown that replacing one habit with another is much… Read more >

Dec
20
2017

How to Keep on Track with New Year’s Resolutions: Eat More Healthily

The first in our series on how to stay on track with your New Year’s resolutions dealt with the topic of exercising more. Another popular resolution for many people is to change their diet so that they can eat more healthily. This resolution is often motivated by a desire to lose weight, but it can… Read more >

Dec
12
2017

How to Keep on Track with New Year’s Resolutions: Exercise More

One of the biggest challenges with New Year’s resolutions is keeping them. A lot of people struggle with things they would like to change, like eating healthier, losing weight, exercising more, starting or sticking to a budget, breaking a bad habit, or learning a new skill. For many of us, the start of a new… Read more >

Nov
22
2017

How to Save on Holiday Activities, Travel, and Gift Shopping

This is a very busy season for a lot of folks; holiday travel, end of year activities and purchases, gift buying, there is just so much to keep track of! Here is a helpful checklist for you to use when scheduling holiday travel, vacation activities, and gift shopping. We hope it will help you stay… Read more >

Nov
16
2017

Tips for Traveling Without Going Broke this Holiday Season

Oh no! You forgot to book your holiday travel months ago, and now you’re left choosing among uncomfortable flights and undesirable hotel rooms at unaffordable rates. Whether you need to get together with your family for Christmas or get as far away from them as possible after Thanksgiving, holiday travel is expensive. The good news… Read more >

Nov
08
2017

How to Cut the Cord & Still Watch Your Favorite Shows and Sports

According to an article from Fortune, the average cost of a household cable page rose again last year to $103/month. Leichtman Research Group releases the results of its annual survey of TV households, including what people actually pay, and every year is a new record. Bills rose 39% from 2011 to 2015, almost eight times… Read more >

Nov
08
2017

How to Persistently Pay Off Debt

If you are working on paying down a significant amount of debt, you have no doubt been faced with the reality that it is a marathon, rather than a sprint, to get to your goal of being debt free. As marathon runners know all too well, that journey can be painful at times. In order… Read more >

Nov
08
2017

How to Stretch Your Food Budget Without Starving

Believe it or not, most of us spend more money on food every month than we have to. Many times, it is simply the result of a lack of planning, sometimes it is from buying more food than we consume, therefore throwing out unused food that spoils before we get to it, sometimes it comes… Read more >

Nov
08
2017

How to Pay Your Student Loans Faster

Going to college can be expensive, unless you are one of the lucky few to get a full ride scholarship and/or receive enough grants to cover the full cost of a four-year college education, which is only about .3%. You could work your way through college, paying as you go, but that’s a tough thing… Read more >

Nov
08
2017

Budget Fasting – Save Money Quickly With a “No Spend” Month

In last month’s blog on changing your financial habits, we told you that living with a financial plan would help you build your savings over time, and that with a little sacrifice and a lot of daily discipline, you can set yourself up for financial success by setting good financial habits. But what if you… Read more >

Nov
08
2017

How to Change Your Financial Habits

According to financial expert Dave Ramsey, the key to changing financial habits that are not serving you well is changing your behavior. In order to change a bad habit, it first must be recognized as something that is hurting you. In her new book “Love Your Life, Not Theirs; 7 Money Habits for Living the… Read more >

Nov
08
2017

Five Things That Impact Your Credit Score

Your credit score can affect several areas of your life, from whether you get that apartment or house you’re applying for, to whether a potential employer decides to hire you or not. Since this important three digit number can affect such vital areas of life as where you work and live, it is important to… Read more >

Nov
08
2017

Saving Money During Unemployment

  Unemployment is not fun, and neither is trying to figure out what to do when the money stops coming in and you need to make it last while you look for work. Here are some suggestions to help you keep your head above water when the money temporarily stops flowing.   1.  First, remember… Read more >

Nov
08
2017

Self-Improvement September

Did you know that September is designated as Self-Improvement Month? This is the month to take some time to improve yourself, and set achievable goals to help you along the path to becoming your best self. There are lots of books, videos, online classes, and seminars you can take to improve various aspects of your… Read more >

Nov
08
2017

Local Labor Day Weekend Ideas

Labor Day weekend marks the first official fall holiday, and is a welcome break from all the hustle and bustle of back to school activities for those families with school age children. It is a weekend that offers the chance for a last-minute camping trip before the weather turns cold, or perhaps a long weekend… Read more >

Nov
08
2017

Have a Cheap Date Without Being a Cheap Date

A good date is as much about the activity as it is the company, and it doesn’t need to put a big dent in your wallet. There are plenty of great things a couple can do that won’t break the bank and still leave you both with good memories. Here are five inexpensive date ideas… Read more >

Nov
08
2017

Identity Theft and How to Protect Yourself

Have you ever not been who you think you are? If you have ever been the victim of an identity thief, you have! What is identify theft? Identity theft is the deliberate use of someone else’s identity, usually as a method to gain a financial advantage or obtain credit and other benefits in the other… Read more >

Nov
08
2017

How to Save Money When You Move

Not too many people look forward to moving; it’s a complicated process with a lot of packing, cleaning, losing stuff, and trying to find it again in your new place. If you’re making a big change, such as a cross-country move, the whole procedure can be intimidating, frustrating, and even scary. Let’s look at some… Read more >

Nov
08
2017

AZ Summer Landscaping with Desert Landscape Plants

With temperatures in the triple digits four months out of the year in Phoenix, landscaping your property takes special considerations. Desert environments present us with some landscaping challenges, as well as offering some unique opportunities. The biggest challenges are finding the right plants, trees, and flowers that will flourish in the hot and dry conditions…. Read more >

Jul
12
2017

What You Should Always Buy at a Dollar Store

There may be some items you feel better buying at a “regular” store, but there are some things that you should never pay more than a dollar for, if you want to make the most of your budget. If you’re like most people, you buy these items while at the grocery store, drug store, or… Read more >

Jul
05
2017

10 Tips for Saving Money Without Giving up Luxury

We all work very hard for the money we earn, and sometimes we need to spend a little extra on a luxurious treat to make it all worthwhile. The good news is, there are ways to enjoy an extra special treat without spending extra money, and that’s like getting an unexpected bonus in your paycheck!… Read more >

Jun
27
2017

10 Fun Ways to Enjoy the Warm Weather Without Spending All Your Money

Now that summer is here, a lot of warm weather activities are available. Just because there are a lot of things to do doesn’t mean you have to spend a lot of money doing them. There are several summertime activities you can enjoy that won’t break the bank. Here are some suggestions for summer fun… Read more >

Jun
22
2017

Staying Cool without Air Conditioning: How to Beat the Heat for Cheap

It’s rare that a city’s high temperature for the day headlines the national news, but that’s been the case this week, as several cities in Arizona have notched temperatures above 120 degrees. An excessive heat warning in Phoenix isn’t like an excessive heat warning anywhere else in the country, and there’s no doubt the fire… Read more >

Jun
07
2017

Save Money by Buying in Bulk?

Buying in bulk can be very tempting, but bigger isn’t always better. You can certainly save money by buying some things in bulk, but it could be a costly mistake to think that the biggest package you can find at a wholesale warehouse club is the best deal on everything, every time. Sometimes, less is… Read more >

May
25
2017

Bank or Credit Union – Which One is Best for You?

In the search for the best place to put your money, the question of bank or credit union arises. Which one is best for you? What services, such as free ATMs or apps, are worthwhile and which are luxuries? How much does it really cost? Should you go local or with a nationally recognized brand?… Read more >

May
16
2017

How to Coupon: Save Money on More Than Groceries

A popular and effective way to save money shopping is by using coupons. From the cut and clip action of coupons you find in the newspaper to modern apps and plugins for your smartphone that allow you to find the best deal, couponing has a long history and has evolved to help people find the… Read more >

May
03
2017

Save Money by Cooking at Home

With 25% of us eating some type of fast food every day and choosing to eat “convenient” packaged food like microwavable meals around 30% more often than fresh food, it is safe to say that Americans don’t cook at home as often as we did a generation or two ago. When families consisted mainly of… Read more >

Apr
26
2017

What NOT to do when you want to save money

To effectively save, you do not want to skip on having a budget and plan to keep you organized. Knowing what you earn, what your monthly bills are, and having a budget and payment schedule will help you know how much you have to work with when you want to save money. Shoot to save… Read more >

Apr
18
2017

Smart Spending Decisions for Young Adults

Getting started in life and making the right decisions to help you grow and secure a comfortable future involves direction and guidance. To help provide some insight into smart spending decisions that will pay off in the future and protect your interests, here are some great investments to make in and for yourself. Invest in… Read more >

Apr
13
2017

How to Save Money by Spending It

It might not make sense right away, but if you think about it, there are ways you can actually end up saving money in the long run by spending it right now. There is a fine line between cheapskate and smart shopper, and learning to walk that line could end up pumping up the balance… Read more >

Apr
04
2017

How to save on A/C in Phoenix & Scottsdale

With heat reaching into the triple digits during the summer months, anything that helps save on air conditioning costs is extremely welcome. Here are a few ideas to help drive your energy costs down and keep your home cool.   1) If you have a programmable thermostat, use it! According to the U.S. Department of… Read more >

Mar
28
2017

How to Save Money Starting Today

You want to save money. You know you need to save money. But, sadly, you are at a loss as to exactly HOW to save money every month, and start to see your savings grow. The good news is, it isn’t as hard as you might think to save money. Here are some simple steps… Read more >

Mar
21
2017

How to Adjust Your Budget

You have a budget, but it isn’t working. Some categories have money left over at the end of the month, others are depleted before month end. It’s time to make some budget adjustments! It may take one to three months of budget experimentation before you find a system that works for your income and lifestyle…. Read more >

Mar
14
2017

How to do Spring break Without Leaving Town: Local Events in Phoenix & Scottsdale

For spring break in town, or “staycation” ideas, Phoenix offers a multitude of choices that won’t empty your wallet. Here are just a few ideas for cheap-to-free fun in town: – Hike Camelback Mountain. With stunning views available from the summit, this is a hike well worth taking. Be sure to pack plenty of water… Read more >

Feb
21
2017

Spring Break in Arizona – Low Cost Options to Entertain Your Little Ones

With spring break right around the corner you’ll need fun filled activities to keep your kids busy. Having fun doesn’t have to break the bank! Here are some fun things to do around Arizona for spring break.   Sedona Film Festival 2017: Join filmmakers, celebrities, industry guests and film buffs from all around the world… Read more >