Tips On Proper Tipping Etiquette

If you are going to an unfamiliar country, apart from the best places to visit, places to stay and public transportation to utilize, learning about their etiquettes and traditions, particularly their tipping etiquette, is also necessary.  Are you planning to visit a new country? Below are some of the few things you need to know about general tipping ways and traditions.  Tipping Etiquette When In A New Country There are some countries where tipping is a tradition while … [Read more...]

4 Stay-at-Home Mom Budgeting Tips

Not only is running a household a full-time and stressful job, but it is also very expensive. When you have children to look after, clothe, and feed, there always seems to be something else that needs paying for. This can leave you feeling like money disappears from your bank account just as soon as it enters.  Many stay-at-home moms struggle from time to time to make ends meet, so it is natural for you to always be on the lookout for some top budgeting tips. Therefore, to give you a few … [Read more...]

Signs That You Are Living Beyond Your Means

Life is a series of challenges, whether it is about love, career or just how you would be productive on a daily basis. In fact, a lot of people are struggling to get by every single day, but you're lucky to have everything you need. However, you might be living beyond your means, yet you fail to realize your situation until the situation gets worse. Let's look at some warning signs that will help you identify the poor spending habits before you end up hitting that brick … [Read more...]

4 Effective Strategies for Saving Money

Because we work hard for our money, it makes sense that it does the same for us as well. And while it's undoubtedly not an easy feat to minimize expenditure, especially for those with modest incomes, you'd be wrong to think that it's impossible to achieve a substantial amount of savings. To this end, here are a few effective strategies that you can use to reduce your spending, and as a result save a lot more money in the process. Go for energy efficiency Our utility bills take a … [Read more...]

Financial Literacy for Kids: How to Teach Your Child to Save

Want to teach your child to save money and where to spend it wisely? Be sure to read this guide on financial literacy for kids. As a parent, you know only too well how expensive kids can be. From funding their education to meeting their housing, food, and clothing needs, the expenses can take a toll on your finances. But for how long will your children depend on you for their financial needs? You don't have to wait until they reach the legal adult age to start teaching them about the art … [Read more...]

Second Income Ideas for Families and Those with Children

Life with a family can get hectic, and sometimes having one income often isn't enough to provide both basics and luxury items for your children when you have a mortgage, food and other utilities to pay for. Whether you need to pay off some debt, buy a new car or save for a family holiday, if you could do with some extra cash, it may be time to get a second income. However, being a parent and working a day job is difficult enough; sometimes, it can seem impossible. Let's be honest here; being a … [Read more...]

Personal Finance – Budgeting Cheat Sheet

For many people, managing finances is difficult. Many have debt such as student loans or car payments they need to satisfy, which can easily leave a burden when it comes to managing with daily expenses. Earnest student loan refinancing can be a great option for you if you�re looking to save money with a lower interest rate, monthly payment, or both. The best way to effectively manage your money is to rely on a good budgeting cheat sheet. Here are some tips that can help. After going throug … [Read more...]

How to Manage Your Finances Using Your Smartphone

When discussing smartphones and their capabilities, you'll probably hear the phrase, �there's an app for that!� It seems that there really is an app for almost every topic these days, and personal finance is no exception. Every day, more and more apps that help you manage your daily life become readily available. That's why is important that your phone is operating at its most efficient level. Now more than ever, phones play a crucial role in people's daily lives. Whether the firmware isn … [Read more...]