Index Funds With The Lowest Expense Ratio (And Why You Should Care!)

Index funds are complex, with many factors contributing to the overall performance. One of those factors is the cost levied for the management of the fund, also called the expense ratio. And, the lowest expense ratio index funds will result in fewer dollars leaving your pocket, which means it’s almost always a better deal for you! This post was written by our staff writer, Lindsey Smith. … [Read more...]

When Does It Make Sense to Refinance a Home?

Refinancing is a financial option that lets you get a new mortgage to pay off your existing one. The process is generally the same as getting a mortgage for a new house, but what exactly is refinancing used for? And when does it make sense to refinance a home? When Does It Make Sense to Refinance a Home? Of all the financial options that we have available to us, refinancing tends to make the least … [Read more...]

How to Watch American Pickers For FREE! (No Strings Attached!)

Earlier this year, YouTube TV skyrocketed to $65 a month. My wife and I said, “No More!” and we cancelled it. Since then, we’ve discovered so many streaming options for past shows and even live TV! But…we couldn’t ever seem to find American Pickers…and we truly missed it. That was our show! But you know what? We found it yesterday!! I randomly hopped … [Read more...]

What is Identity Theft Really? Things You Should Know…

You may be surprised to know that identity theft happened to 1,387,615 Americans in 2020 alone. And if that didn’t scare you, that number is only growing year to year. But what is identity theft really? And how does it really affect us in our day to day lives? Let’s talk about it. What Is Identity Theft? First, let’s talk about what identity theft is. Identity theft happens when … [Read more...]

Tax Hikes Are Coming This Year (And What You Should Do About Them…)

Now that the 2021 stimulus has passed, President Biden will no-doubt shift his focus toward tax reform. And that simply means that tax hikes are on the way! Will you be impacted? And if so, what should you do about it today? The Last Major Tax Reform The last major tax reform was the Tax Cuts and Jobs Act of 2017, pushed through by President Trump. This act simplified and reduced taxes for many … [Read more...]

That Time My Wife Was Right

“My wife is always right” — I’ve seen men sporting these T-shirts lately. They make me chuckle a bit, because obviously our wives can’t be right all the time (but don’t tell my wife I said that! Lol!). Sometimes, us guys are a bit too arrogant and it would do us good to open our ears once in a while. I know that’s been my experience…especially with … [Read more...]

AAA Benefits: Is the AAA Membership Worth It?

Have you ever broken down on the side of the road? Or maybe you got into a fender bender and needed a tow to your favorite mechanic. No matter what, it’s nice to be prepared for these types of situations, and that’s where companies like AAA come in. But are the AAA benefits and membership worth it? AAA Benefits: What’s Included In Your Membership? First, let’s talk about … [Read more...]

10 Financial Resolutions to Start Your New Year Right!

With the new year quickly approaching, most of us are thinking of ways we can do better than we did last year. Making plans to exercise more, read more, or just simply enjoy life more often! But, have you thought about what you’re going to do financially this coming new year? I certainly have! Here are some financial resolutions to help you start your new year off right! Related: 19 of the … [Read more...]

Frugal Living: Why We Stayed Frugal Even After Getting Out of Debt!

Frugal living is a way of life we’ve enjoyed for a long time. I mean, really enjoyed. [This post was written by a guest writer, Lindsey Ralston. Check out her bio at the end of the post!] We’ve been debt-free and mortgage-free since we were 25. The only debt we’ve ever had were my student loans and a small mortgage we took out on our first house. I paid most of my student loans off before we … [Read more...]

Top 12 Best Finance Documentaries Out There

I don’t know about you, but I love a good documentary. In fact, documentaries are a part of the research that I do on a regular basis. I love learning about new things, from our environment to animals to economies across the world. If you’re like me, you’ll love this list of the best finance documentaries right now. Some of these revolve around poverty, and others around … [Read more...]

20 Purchases That Will Make Life Easier

As a huge personal finance lover, I’ve learned to save my money and not buy a lot of stuff over the years. Not only has this saved me thousands of dollars, but I’m also happier without all the clutter. However, there are a few things that have been able to make life easier for me, and I wanted to share them with you. These tools, gadgets, and purchases aren’t wasteful or … [Read more...]

10 Ways to Actually Stick to a Budget

When you’re trying to stick to a budget, it can be hard, especially if you’re not used to having one. But, if you truly want to reach your money goals, having a budget is super important. Here’s how to actually stick to your budget, without feeling like you’re sacrificing your lifestyle. 1) Make It Realistic Let’s be honest, a bare-bones budget is not realistic … [Read more...]

Inheritance Tax: What It Is And What You Need To Know!

As sad as it is, there always comes a time where a family member passes away. And what if this person left you some assets? You may be wondering what happens before they’re passed into your hands. Here’s everything you need to learn about inheritance tax, including what it is and if it will ever apply to you. What Is Inheritance Tax? So first, let’s talk about what this tax is … [Read more...]

The Best Rewards Credit Cards in 2021

In the finance world, credit card usage can get somewhat mixed reviews. Some people, like Dave Ramsey, insist that you should never use a credit card for any reason whatsoever. Others, like myself, enjoy the cash-back rewards from credit card purchases I would be making anyway. If you’re someone who likes earning rewards from your credit card, here are my recommendations of the best rewards credit … [Read more...]

I Died Yesterday… A Message to My Family

“I died yesterday” — No, this isn’t a mysterious message from the crypt and this post won’t make it onto Ripley’s Believe It or Not. I’m still very much alive and I hopefully have 60 years of solid living ahead of me. But, this is something that I believe each and every one of us should play out in our minds. What if you died yesterday? What does today … [Read more...]

How to Finally Cut the Cord on Your Cable TV

Do you really need cable these days? Between streaming services, news, and sports going online, and the increase in cable costs, there really isn’t much of a need to spend $100+ on cable every single month. So what can you do if you’re ready to cut the cord? Here’s how to ditch cable, save money, and still watch your favorites shows, movies, and more. Use A Streaming Service … [Read more...]

How To Survive Unemployment (When You Weren’t Prepared)

Sometimes, bad things happen when we least expect them. And if you’re on a financial journey, losing your job can feel like a major strain. But there are ways to manage, even if you’re worried and even if you don’t think you can make it work. Here’s how to survive unemployment, even if you weren’t prepared. 1) Apply For Unemployment Your first step in how to survive … [Read more...]

6 Things Self Employed People Shouldn’t Forget Today!

For Self Employed people, January 31st is a very important date in the calendar. As we live such busy lives, though, it can be easy to forget some important things at times. With this in mind, here are 6 VERY important things you shouldn’t forget to do today if you are self employed. Submit Your Tax Return First on the list if you haven’t done so already is to submit your tax return to … [Read more...]

Cheap vs. Frugal and How Not To Be A Cheapskate

Sometimes, people consider themselves frugal, when in reality they’re just cheap. If you’ve watched shows like Extreme Cheapskates or Extreme Couponers, you know the ones I’m talking about — they’ll go on and on about how they like to save money. They’ll do almost anything just to save a dollar or two. There is a huge difference in the terms cheap and frugal, but how can you tell which one you … [Read more...]

10 Free Household Budget Spreadsheets for 2018

A reader recently asked me if I knew of any good and free budgeting spreadsheets. Personally, I love Excel and get a kick out of building spreadsheets, but I know not everyone is as interested in that as I am. But whether you like to create spreadsheets or just like to use them, we have a lot of good options for you! Each one of the sheets below are free and are designed to be used with Excel, but … [Read more...]

21 Things I Always Get From the Dollar Tree

Over the course of my adulthood, I have slowly discovered the amazingness of the dollar store. An item that typically costs $4 or $5 at another retail establishment might only cost $1 at the dollar store. After a few of these purchases, the savings could really add up! So why not just put a list together of the things we should be purchasing from the dollar store?Before I dive into my list of 21 … [Read more...]

The DIY House Renovation is Complete! Check Out the Photos!

google_ad_client = "ca-pub-3879908623510580"; /* 300x250, created 11/10/10 */ google_ad_slot = "7037050704"; google_ad_width = 300; google_ad_height = 250;So believe it or not, but the DIY house renovation is complete! I’m actually not sure I believe it yet! The renovation started in August 2011, and now it is finally complete almost a year and a half later. After all of these renovations … [Read more...]