If you’re reading this, the chances are that you have a dog or are looking to adopt one soon. You’ve come to the right place as we’re going to discuss the costs that go into the care of a pup. As you may now or will soon realize, taking care of a dog is more […]
Food is a necessity to live, but it can also be a costly need. The average American family spends over $7,000 on food per year or about 12.5% of their total income. Learning how to lower that percentage, while at the same time, keeping a healthy and satisfying diet is something that not many Americans can […]
Most of us need car insurance to drive our cars to and from work daily. But the cost of insurance can put a severe damper on our path to financial independence. Luckily, however, there is a way to have your cake and eat it too, by lowering your car insurance premiums, all the while taking full […]
When pondering about home improvement projects, most people assume that it’s tens of thousands of dollars’ worth of investments. And while this can be the case, of course, such as window or roof replacements, solar panels, etc., some projects are quite affordable. What’s more, some of these low-cost home improvement projects can save you hundreds, if not, […]
Living on an irregular income can be quite a stressful experience. You never know what next month will bring and you can be left financially exposed by an emergency at a moment’s notice. It is a reality that some freelancers, seasonal workers, salespeople, contractors, or those who are self-employed or working on a commission can […]
A personal budget is the first step toward financial independence. It will help you get on top of your money, eliminate debt, curve reckless spending, save up for a rainy day, and afford all that truly matters to you. For all the benefits that personal budgets can bring, it’s not always easy to stick to […]
Most people feel that saving money must come at the cost of drastically altering your lifestyle. What’s more, these drastic changes usually mean becoming very stingy and not enjoying things that cost money. However, we are here to show that it doesn’t have to happen, and you can certainly save money without making such drastic […]
Figuring out how much you need to save for a comfortable retirement can be tough because it requires us to make complicated calculations and determine how long the money should last. However, there are other factors involved as well. If it seems like a challenging task, let us help you figure it out. Looking at […]
Like many other things, credit checks affect your credit score. However, it all depends on what type these checks are. They can either be a soft credit check which has no impact or a hard credit check that can negatively affect your score. With that in mind, let’s first take a look at the difference […]