Oct
03
2018

Use Your Home as a Second Paycheck

There are two basic ways to improve your financial picture; reduce your expenses or increase your income. If you can do both, you’ll see your money profile improve faster. One of the biggest assets Americans have today is their house. How can you leverage your property and make your home work for you? What can… Read more >

Sep
27
2018

Escaping the Vicious Cycle of Renting Forever

Are you a renter wishing you could figure out a way to buy a home and stop being at the mercy of ever-increasing rent payments? You are among a growing population in America, as renters in the U.S. continue to struggle to afford decent housing, even as home prices are rising across the country and… Read more >

Sep
18
2018

Make More Money Selling Your House

Are you considering selling your home and wondering how to get the best price? One great way to maximize your return on investment is to choose the right remodeling projects. Although everyone has their own mental list of what makes a dream home, there are certain factors that attract buyers and help boost your selling… Read more >

Sep
18
2018

Save Money Tomorrow With Cheap Home Repairs Today

It might seem slightly counterintuitive, but sometimes you have to spend money to save money. When it comes to home repairs, there are some simple and inexpensive home maintenance items that when done with diligence could save you thousands of dollars down the line. A dripping faucet may seem like an annoying sound you can… Read more >

Aug
28
2018

Avoid Your Financial Quarter Life Crisis

Millennials are experiencing their life crises between the ages of 25 and 33 in ever increasing numbers, so much so that the situation has been dubbed “Quarter Life Crisis.” Symptoms of this crisis include a sensation of being trapped, feeling disconnected from the people and situations around them, and an overall sense of failure. Millennials… Read more >

Aug
20
2018

You Are Not Defined By Your Debt

No one enjoys being in debt, but it is a fact of life for most American adults. The average debt portfolio looks like this: • 80.9% of Baby Boomers are currently in debt • 79.9% of Generation X’ers are currently in debt • 81.5% of Millennials are currently in debt The news isn’t all bad,… Read more >

Aug
09
2018

Save $3 Today, Have $160,000 Tomorrow

The compound effect is based on the principle that each decision helps shape your destiny. Little, everyday decisions can either take you to the life you desire or to disaster. The decision to save a small amount of money, like $3 a day, may not seem like a life changing decision. After all, what can… Read more >

Aug
06
2018

Do This One Thing to Save Money Without Trying

Saving money can be a daunting challenge, but it doesn’t have to be. When we receive our paychecks, without a plan in place for where our money will go (also known as a budget), we can easily overspend, and saving money becomes an impossible task. If you don’t know where your money is going, it… Read more >

Jul
23
2018

Economical Ways to Trick Out Your Dorm Room

Most college dorm rooms are small, cramped, and devoid of style. A blank slate to decorate and make your own, but only if you play by the rules. Most dorms won’t allow you to paint, nail, or attach anything permanent to the walls, floor, or ceiling, but that doesn’t necessarily mean you can’t decorate —… Read more >

Jul
09
2018

10 Ways to Save on Back to School Clothing

It’s easy to spend hundreds of dollars on back to school clothing, especially if this is the summer your teenager shot up 3 inches and has outgrown all his pants! But you don’t have to blow your budget on back to school if you use some of these tips and strategies we’ve pulled together for… Read more >

Jul
06
2018

How to Save Money on School Supplies

In America the average family spends $600 per student on school supplies every year. If you’ve got three school age kids that adds up to $1,800 every year! That figure doesn’t even take into account new shoes, school uniforms, backpacks, lunch boxes, clothing, and other items we buy every year for back to school. You… Read more >

Jun
27
2018

Saving Money on Your Wedding

Weddings come in all shapes and sizes, from casual and simple to elegant and extravagant. Whether you decide to get married by a local justice of the peace at a courthouse, or invite hundreds of guests to a large venue, there are cost effective measures you can take to help save money. Here’s how you… Read more >

Jun
20
2018

Saving Money as a Wedding Guest

Wedding invitations are always nice to receive and attending a wedding can be a lot of fun. However, it can also be expensive if there is traveling involved, not to mention the wedding gift, lodging, food, and other incidental costs. With the average wedding guest spending over $800 per wedding this year, how can you… Read more >

Jun
14
2018

Supporting a Family on a Single Income

Most of us think it’s impossible for a family in America today to live on just one income nowadays. With 60% of families having two incomes, meaning both mom and dad work outside the home, that notion is understandable. Looking back just a few decades to 1960, however, the financial landscape was vastly different with… Read more >

Jun
07
2018

Save Money Shopping Smart During Summer

Save Money Shopping Smart During Summer Most of us know that the best time to buy holiday decorations is after December 25th when all the after Christmas sales begin. But, there are some great deals to be had during the summer as well, and these deals aren’t limited to winter sweaters and snow boots! Here… Read more >

May
22
2018

Live Rich with Less Stuff, Part 5: Pay it Forward

In our previous post on how to Live Rich with Less Stuff, Part 4, we talked about what to do with what’s left after you’ve gotten rid of everything that constitutes “excess stuff” for you. What should you do with the extra time, money, and your new-found freedom from things and commitments that didn’t add… Read more >

May
16
2018

Live Rich with Less Stuff: What to Do With What’s Left

In our last installment of how to Live Rich with Less Stuff, we talked about some first steps you can take to relieve yourself of excess stuff in your wardrobe closet and start on the path to minimalism, keeping only the items you use regularly, truly enjoy, and which add value. Less stuff means less… Read more >

May
10
2018

Live Rich with Less Stuff Pt. III: First Steps

In our last installment of how to Live Rich with Less Stuff, we discussed the benefits of embracing minimalism and learning how to Live Rich with Less Stuff. Today we’ll discuss some first steps you can take on the road to relieving yourself of excess stuff and freeing up your closets and your life to… Read more >

May
04
2018

Live Rich with Less Stuff Pt. 2: The Benefits

In our first installment of how to Live Rich with Less Stuff, we discussed what “rich” means. The definition of living rich is different for different people. The family man with six children to feed probably needs more stuff than the single person, and the person living in a warmer climate needs different stuff than… Read more >

Apr
30
2018

Live Rich with Less Stuff

What does “rich” mean to you? Is it (a) having lots of stuff like a new car every few years, a dozen flat screen televisions all over your huge, custom designed house, a closet filled with more outfits than you can possibly wear in a year, and owning dozens of pairs of shoes in every… Read more >

Apr
20
2018

Saving for a Big Purchase Without Breaking the Budget

There are times in life when an unexpected large ticket item must be purchased, and if no money has been set aside for it, a large spend can throw your budget into a tailspin. How can you put some cash aside to be prepared in the event of a large purchase without breaking the budget?… Read more >

Apr
12
2018

Bouncing Back from Bad Spending

It happens. Sometimes, despite our best intentions, we spend more money than we should. We understand. After all, you’re only human! Overspending can derail your budget faster than a speeding bullet, shooting your best money management efforts in the foot. A money misstep doesn’t have to be crippling, however, if you know how to bounce… Read more >

Apr
10
2018

How to Save Money in High School

Most of the advice out there on budgeting and saving money is tailored for adults, but kids in high school (and even younger) have opportunities to earn money while still in school, so they should be made aware of how to budget and save money as well. By establishing good money habits early on, high… Read more >

Mar
22
2018

Improving Your Finances in Less than 4 Hours

Does the current state of your finances seem hopeless? Does the thought of saving money make you quake? Do you feel as though there’s just no way you’ll ever be able to have a healthy credit score, large savings account, robust emergency fund, or extra money just to have fun with? What would you say… Read more >

Mar
14
2018

How to Beat Pricing Psychology

Have you ever found yourself spending more money than you planned to on certain items? You may have fallen prey to any number of tricks advertisers and marketers use to make their prices seem lower than they actually are, but don’t feel bad; it happens to the best of us. Savvy marketers understand the psychology… Read more >

Mar
09
2018

How Reducing Screen Time Saves Money

If you’re looking for an easy way to save time, money, get better quality sleep, think clearer, and give your eyes a rest, reducing screen time can do all this, and more. Although every family is unique in how they handle screen time, most families have some level of screen use every week, whether it… Read more >

Mar
01
2018

How To Pay Off Debt Faster

As of 2017, Americans had about $784 billion in total credit card debt and owed $1.34 trillion on student loans. That’s trillion, with a “T”! Approximately half of all the people in the U.S. also either have no emergency savings at all, or have an inadequate amount set aside to protect them in a financial… Read more >

Jan
29
2018

Save More Money Every Month By Changing Your Subscriptions

Sometimes memberships and subscriptions to things like your local gym, subscription boxes, Amazon Prime, or a music streaming service can save you money, and sometimes you can spend money on something that initially seemed like a good idea, but has turned out to be an expense you don’t really need. If you are looking for… Read more >

Jan
22
2018

How to Save Money on Your Cell Phone Bill

Cell phones – something we see in the hands of everyone from the neighbor’s five year old to our parents, perhaps even our grandparents, and both the bills and the devices themselves are some of the biggest expenses we pay. It is now estimated that approximately three quarters of the U.S. population owns at least… Read more >

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 >