How to Budget for Buying a House
Frugal Rules by John
by John Schmoll
3M ago
Buying a house is exciting, but it can also be confusing. When my wife and I purchased our first place, we had no idea where to start. It was an overwhelming time, and that doesn’t begin to cover the financial side of the homebuying process. If you’re in the market for a house, this guide shares the steps you need to follow to budget for a home. What Should My Budget Be For Buying a House? Purchasing a new home consists of much more than a monthly mortgage payment. While that is an important piece of the puzzle, it goes beyond that. Your home buying budget needs to include the mortgage, but it ..read more
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10 Ways To Get Free Government Money
Frugal Rules by John
by John Schmoll
4M ago
Sometimes you need financial help for your basic living needs like housing, utilities, groceries, and health care to get you and your family over the hump. You can apply for free government money, which depends on your circumstances and qualifications. Most government assistance programs are federally funded but run by the states. Getting Free Money From the Government The government (i.e., federal, state, or local) provides money to people in financial need. Assuming you have a legitimate claim and you’re experiencing financial hardship, you should be able to qualify for government monetary s ..read more
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6 Best Debit Cards for Kids To Build Financial Literacy
Frugal Rules by John
by John Schmoll
4M ago
Financial literacy is an important life skill that everyone should possess, including children. Teaching your kids about managing money from a young age can set them up for financial success in the future. One way to start this journey is by getting them a debit card and teaching them how to use it responsibly. This is particularly important in a financial world that primarily operates digitally rather than with hard money. Many debit cards have features and benefits and are designed specifically for children. This article will discuss the six best debit cards for kids to build financial liter ..read more
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Find a Free Checking Account You’ll End up Loving
Frugal Rules by John
by John Schmoll
4M ago
Life is so much easier when you don’t have to stress over managing your money, especially if you can do so for free. When people start working and making money, they want to open a free checking account that doesn’t charge recurring fees. With a checking account, people can manage all their transactions regularly. Without the monthly maintenance fee, people can worry less and forget about the hassles. Opening a free checking account doesn’t mean everything will be for free. You might come across out-of-network charges, overdraft fees, minimum balance requirements, foreign transaction fees, or ..read more
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Debt Relief Programs: A Comprehensive Guide to Financial Freedom
Frugal Rules by John
by John Schmoll
4M ago
Debt relief programs help individuals and businesses burdened by unmanageable debt. These programs aim to reduce the total amount of debt owed or offer better repayment terms. These plans can effectively help people regain control of their financial health and work toward becoming debt-free. Despite their potential benefits, debt relief programs may not be suitable for everyone, and you should understand each option before deciding whether it’s the right choice. You can choose from various methods depending on the type of financial situation, such as debt settlement, debt consolidation, and cr ..read more
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11 Snap Judgements That Made Strangers Seem Like Terrible People
Frugal Rules by John
by Nicole Schmoll
4M ago
Sometimes, it just takes one action for us to judge someone. But what are the things that most often lead someone to judge another person as, well, terrible? That’s what one person asks online, and respondents don’t hold back on what makes them judge. 1. Littering Image Credit: Shutterstock. Whether throwing something out of a car window while driving or leaving trash in public spaces, littering is the most agreed upon social sin. It highlights that someone is inconsiderate and doesn’t respect others or their environment. 2. Not Picking Up After Dogs Image Credit: Shutterstock. Similarly, inco ..read more
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8 Surprising Facts About Middle-Class Income in America
Frugal Rules by John
by Nicole Schmoll
4M ago
Did you know that the middle class makes up the majority of America’s population? According to the Pew Research Center, in 2020, approximately 50 percent of adults in the United States were considered part of the middle-income tier. Since the 1970s, this number has gradually decreased as more people dispersed into the lower-income and upper-income categories. With most Americans in the middle, many surprising facts about middle-class income in America often go unnoticed. What Is the Middle Class? The term “middle class” often refers to a socio-economic group that falls between the upper and lo ..read more
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Everything You Need To Know About Shopping at Costco Business Center
Frugal Rules by John
by John Schmoll
4M ago
Have you ever walked into a regular Costco and thought, “Wow, this place has everything!”? Let me introduce you to its bigger, bolder sibling: the Costco Business Center. Imagine stepping into a Costco warehouse, but everything is on steroids. The aisles pack products in quantities that make your regular Costco haul look like a snack. You might wonder, “Is this some exclusive business-owners club?” Nope! While the name might suggest it’s only for the business-savvy, the truth is that anyone with a Costco membership can stop by. I’ve visited one, and trust me, it’s an experience you won’t want ..read more
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The Best Credit Cards for Teens To Learn Financial Responsibility
Frugal Rules by John
by John Schmoll
4M ago
Teens can establish and build up their credit with the right credit cards. Finding and choosing the best credit cards for teens can be difficult, so it’s essential to research the card’s benefits and features first. It’s also critical for teens to understand the concept of credit and how it works. After all, their credit score follows them throughout their adult lives. Being aware of the possible benefits and pitfalls of having a credit card adequately prepares them for the responsibility.  What Is a Credit Card? Credit cards are physical cards used to pay for purchases with the understan ..read more
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9 Best Odd Jobs Many People Probably Didn’t Know About
Frugal Rules by John
by John Schmoll
5M ago
Odd jobs refer to a wide array of temporary or freelance employment opportunities that are typically unconventional and varied. Unlike traditional nine-to-five careers, odd jobs don’t fall under a specific industry or profession but instead encompass an assortment of unique tasks that require particular skills or expertise. These jobs may range from one-time assignments such as house-sitting or dog walking to sporadic freelance work in fields like event planning, online tutoring, or content writing. Often acquired through personal connections or online platforms, odd jobs offer individuals the ..read more
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