How to Stop Yourself From Spending Your Emergency Fund
Money Ning
by Miranda Marquit
2w ago
What truly constitutes an emergency? Many of us tend to justify taking money out of our rainy day fund by calling something an emergency when, really, it’s not a true emergency. As you work on building your emergency fund, take a step back and consider how you will use the money you accumulate. Dr. Stephen Lesavich, the co-author of The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, suggests to create spending rules so your emergency fund doesn’t become a sort-of general fund that you raid whenever you feel like it. Here’s how to put spendi ..read more
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Find it Hard to Save Money? You’re Not Alone
Money Ning
by Jessica Sommerfield
2w ago
Have you ever thought about where your spending habits come from? We all know that some of us have a hard time saving money, while others find it difficult or painful to spend their hard-earned cash. Some of your money management style comes from your upbringing — the lessons your parents taught (or didn’t teach) you either by example or instruction. What’s interesting, though, is that children often grow up with very different habits for handling money than their parents or siblings. Why is this? Well, essentially it’s because of the psychology of spending vs. saving. Researchers have s ..read more
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Create a Financial Bucket List to Achieve Your Goals
Money Ning
by Vincent King
3w ago
Get in your car. Now drive 100 miles southwest from your current location. Get on any road; it doesn’t matter which. Where will you end up? If you don’t have a map, you probably don’t know for sure. You may know the approximate area, but if it wasn’t where you truly needed to go, then your trip was a waste of time. It’s the same with dreams and goals. Knowing what you want to achieve makes achievement easier and more predictable. Pursuing your goals without a plan to get there may get you close to where you’d hoped, but maybe not close enough. What if you went about your finances the same way ..read more
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Gamifying the Power of Habit To Reach Your Personal Finance Goals
Money Ning
by Vincent King
3w ago
Gamification used to rest only on the outskirts of society. It involved people staying up all hours of the night speaking in foreign tongues, living secret lives of mystical time travel, and using weapons of intelligence to reach their destination. Dungeons and Dragons was the ultimate game. Now, gamification is everywhere. Want to shed pounds or get shredded? There’s a game for it. It’s called Fitocracy. Want to enforce a new habit you’re trying to form? There’s a game for that, too. It’s called Streaks. Offering Rewards Gamification makes our must-dos fun. It grants us the immediate satisfa ..read more
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How to Handle Your Teenager’s Taxes
Money Ning
by Travis Pizel
1M ago
My son’s been rocking his first part-time job since April. He works about 20 hours a week, and has managed to save a significant amount of money towards a car, fund a major upgrade for his computer, and still have money in his pocket to socialize with his friends. I was recently telling him that I spent the earnings from my first part-time job very similarly. I also mentioned to him how awesome it was to get a sizable tax refund while I was in high school. He looked puzzled, and asked, “Why would I get that back?” I recognized the situation as an excellent opportunity to teach my teenager abo ..read more
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Why Owing the IRS is Better Than Receiving a Large Refund
Money Ning
by Jessica Sommerfield
1M ago
Tax season is something that comes around the same time every year. Yet, it still creeps up on us and leaves us wondering if we’ll be getting a refund or break even. Considering the simplicity of my taxes, I almost always received a refund of some amount, and admit that it’s something I look forward to in the bleak mid-winter months. Receiving a sizable refund also makes it easier to put a bigger dent in your debt, start an online savings account or retirement account, or place a down payment on a house. But, other than the perk of getting a chunk of money at the end of the year, is ..read more
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4 DIY Furnace Repairs to Do Before Calling a Repairman
Money Ning
by Travis Pizel
1M ago
It was a bone chilling winter day in Minnesota with the forecasted high temperature struggling to rise above zero. The air seemed chilly in the house, so I bumped the thermostat up a few degrees as I walked down the hallway. About an hour later, my home still seemed cold. Checking the thermostat again, I noticed the air temperature was 61 degrees even though it was set at 70. Putting my hand over the nearest air vent I could feel that the furnace fan was running, but it was blowing out cold air. My furnace was broken! “Great”, I thought. As any man would do, my first course of action was to d ..read more
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When and How to Shop for a New Apartment
Money Ning
by Jessica Sommerfield
1M ago
Apartment complexes are notorious for raising their rates on a yearly basis (and they have every right – just look at your lease agreement). If you’re already dissatisfied with your living situation for one reason or another, getting out at the end of your lease – before they raise your rent – might be a good idea. There are both advantages and disadvantages of shopping around (and moving) every time your lease is up. For instance, if you moved for a new job, you may have needed to snatch up the first place you could find, rather than shop around for the best price, neighborhood, and apartmen ..read more
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4 Last-Minute Valentine’s Day Gifts That Won’t Break Your Budget
Money Ning
by Ashley Eneriz
1M ago
For those who aren’t aware, Valentine’s Day is less than a week away. Begin panic mode if your significant other has high expectations. Thankfully, Valentine’s Day puts more emphasis on the romantic gestures over the dollar amount spent on a gift. Still, you need to put in the effort. Here’s how to woo your significant other on a budget – at the last minute. Forget Going Out to Eat Eating out on Valentine’s Day is like toy shopping the day before Christmas. Everything is premium-priced and the place is crowded. Plus, most of the meals are pre-made so the food doesn’t taste as good as it shoul ..read more
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Keep Kids Entertained While On the Road: 5 Budget-Friendly Ideas
Money Ning
by Allison Martin
1M ago
“Are we there yet?” “No!” I used to get a kick out of The Simpson’s Ride commercial each time it aired on television. But when my oldest son began to ask this question repeatedly on an extended road trip, it suddenly wasn’t so funny anymore. In fact, I felt like Homer cruising down the highway, and vowed to do whatever it takes to keep him entertained on subsequent car rides. And now that we’ll be hitting the pavement soon for a few family visits and mini-vacations, making travel arrangements and packing our bags aren’t the only items on the to-do list. We’ll also be make preparations to ..read more
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