Stop Paying ATM Fees!
I have never paid an ATM fee in my life. I have been charged ATM fees but never paid one. How is that possible? By having a bank account that either doesn’t charge one or that reimburses me for the ones I do get charged. Why should you care? On average, each out-of-network ATM transaction […]
How to save on your mortgage
My husband and I bought our condo in 2015. I’ve already shared how we saved money on our mortgage by getting rid of PMI. This year, with interest rates so low because of the coronavirus, we refinanced. Our interest rate came down from 4.25% to 3.25%. Consequently (fancy word for ya), my mortgage payment went […]
How to Save While Buying on Amazon
I honestly don’t know who doesn’t shop on Amazon. The convenience is amazing and almost all your shopping needs can be met there. However, sometimes you make a purchase, and the price drops. How annoying is that?! Unfortunately, they don’t have a price adjustment policy. That means we’re on our own folks! Let me show […]
How to Get a Raise
Once you accept a position, you’re going to make the same pay forever right? Well if you let it, yes. While there are jobs out there that are inflexible with their payscales, more often than not, increasing your pay at work is not out of reach. Instead, you’re likely not positioning yourself to get more. […]
How to get rid of PMI without refinancing
If you’re a homeowner and didn’t have 20% down to purchase your home, you’re likely familiar with private mortgage insurance (PMI). There are different options to getting rid of it. Homeowners generally know they can get rid of PMI on a mortgage by refinancing. However, this is a much less complicated option potentially available to […]
Save Money on Your Cell Phone Bill
So many things get done best within a community. That’s why things like group fitness work. How can you apply community to your cell phone plan? By hopping on a plan with friends and/or family! My family uses T-Mobile so we’ll use them as an example. Now the following information is based on the offer […]
Why should we have and see a primary care doctor?
Simple answer: It affects your health AND your money. Let’s use a simple diagnosis of high blood pressure. Finding out you have high blood pressure can be discouraging. However, if you catch it early enough, you can speak to your primary care doctor about lifestyle changes you can make. You pay your doctor’s co-pay and […]
Rent or Sell What You Don’t Use
DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING I GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH MY LINKS, AT NO COST TO YOU. Turo So remember when I said we had three cars? It’s a two-person household so it was completely ridiculous but whatever. So I suggested my husband rent out […]
Use That Warranty!!!
Warranties are an amazing way to save money. To use a warranty, you usually need original proof of purchase that includes date of purchase and where. Each company has their own policy on how long the warranty lasts and what it covers. The big benefit of using a warranty is that it usually comes at […]
How I Came Up With My Budget
I started by figuring out what my current spending patterns were. Google Sheet’s Monthly Budget Template was used to keep track of where my money was going. I imagine Microsoft Excel and Apple Numbers has a similar template. You enter every purchase and paycheck on the Transactions page. It’s tedious but it’s only necessary for […]
