Save Money
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How to Eat Healthy on a Budget to Save Time and Money
Here’s are five practical strategies that will help you eat healthy on a budget, while saving you both time and money. One of the biggest myths when it comes to eating healthy is that it’s more expensive to focus on a healthy and balanced diet than to eat whatever you want. We all want to eat healthier but eating healthy…
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10 Best Books to Save Money with a Garden
Here are my top ten best books on gardening for beginners who want to eat better and save money with a garden. If you want to pad your budget, get healthier, and reconnect with your environment, starting a garden is a no-brainer. The actual dollar amount you can save by growing your own produce depends on how much you’re currently…
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Start Exercising Outside to Experience More Beauty and Save Money
Here’s my challenge to all you gym warriors out there: start exercising outside this week. Maybe you agree with me here. After leaving years’ worth of sweat on countless gym floors, I have come to the conclusion that there must be a better way. Authors, scientific research, and mental health experts increasingly agree: exercising outdoors is better for us. In…
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Best Money Saving Apps 2021
Savings rates have soared but only for some people. According to a recent Times article, “Americans have historically struggled to save money, for a number of reasons. According to a 2019 report by the Federal Reserve, four out of 10 Americans would be unable to pay an unexpected $400 bill out of their savings.” We all know how important it is to…
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How to Talk to Your Kids About Saving Money
It’s important to talk to your child about saving money. Some parents may be more comfortable talking about reproduction with their children than money. That’s because we hold so much emotion about our own financial situation. We also may not have the actual financial understanding to speak confidently about what our kids need to know about money. In my own…
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Save Purposefully
How to Create a Positive Habit of Savings and Live Better Are you saving money? Do you have more reason as to why you’re not saving than money in a savings account? I want you to remember these three phases: Saving money is important. Saving consistently is key. Saving early is impactful. And saving purposefully helps you master your money.…
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How to Save Money Today
If you look at headlines, you’ll come to discover some startling statistics. You’ll read titles that share how 47% of Americans would have trouble finding $400. Or how 2/3 of Americans would struggle to cover $1,000 crisis. I’ve heard many reasons why people don’t and can’t save. The two that are often shared with me is how impossible it is…
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Opportunity Fund: What Is It and Why You Need One
An opportunity fund is a type of emergency savings account. The fund helps you cover basic living expenses when you lose your job, your hours are reduced, or your sick, disabled, or hospitalized for a period of time. The fund covers your basic needs until you can find another job or income source. It’s called an opportunity fund because you…
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CD Ladder Strategy: What is it and How to Build
A CD ladder strategy is where you spread a lump sum of money across multiple CDs with different maturity dates. Certificate of deposit (CD) is considered a low-risk investment where your money is locked for a fixed period of time. The locked-in feature enables financial institutions to offer you higher rates compared to traditional savings accounts. These certificates can be…
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Rainy Day Fund: What is it and Why You Need it
You’ve probably heard of emergency funds, but not much about the rainy day fund. It’s a fund that’s part of the purposeful emergency savings strategy. The traditional emergency fund is meant to cover periods of unemployment and underemployment for 6 to 9 months. With rainy day funds, it’s meant to cover unexpected and occasional smaller expenses. For example, your tire…
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