The 12 Month Money Saving Challenge

Money Challenges

 

I love money savings challenges! They turn the challenge of saving more money into a fun activity for both adults and kids.

If you perform a quick Pinterest search, you can find dozens of them!

I had to “steal” and show off this one by Cassie Werner. Not only is it teaching you to save money, but it really hits on what I think are other important points such as healthy living, healthy eating, green living, buying less and spending less time in front of a TV/computer!

 

Every month is a new challenge, so it doesn’t get boring only a few weeks in! Continue reading “The 12 Month Money Saving Challenge”

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Introducing Charitable Giving Through Betterment

Charitable Giving

 

I grew up in a largely Catholic family. I may not be very religious now, but one of the principles that I was taught growing up that has stuck has been charitable giving.

I wholeheartedly believe in donating my time and money to charities and organizations that I believe in.

With the holidays upon us, this is usually the time I rev up my donations to help charities reach more of those in need. At this time of year, I usually end up reflecting on the past 11 to 12 months and truly recognize how thankful I should be (and am) for the life I have and my overall good fortune.

And, for investors during 2017 the fortune has been good!

I want to spread that good fortune to others, and I am glad that companies like Betterment share in these values! Continue reading “Introducing Charitable Giving Through Betterment”

13 Items to Stop Buying to Reduce Waste & Save Money

 

 

You might be pretty surprised at how much money is spent on everyday items that just end up in our trash and landfills.

If you are an average American, you produce 4.4. pounds of trash every single day. Considering there are 324 million people in the USA, that amounts to more than 700,000 tons of garbage produced every day— that’s enough to fill around 60,000 garbage trucks EVERY DAY! And, that’s just talking about the U.S.

Which is why I have earnestly started reducing, or stopped buying completely certain items that just end up in landfills. Continue reading “13 Items to Stop Buying to Reduce Waste & Save Money”

College Hack: Go To Yale University for Free

 

If you are like me, you are a lifetime learner and enjoy learning and expanding your mind and knowledge.

I actually loved college! I won’t lie, nursing school was stressful and overwhelming at times, but overall I enjoyed going to lectures, studying in the library and just having the ability to learn whatever I wanted!

However, as we all know, college can cost a pretty penny. Otherwise, I would probably still be a college student at the age of 30. Continue reading “College Hack: Go To Yale University for Free”

Using T-Mobile Internationally

 

 

U.S. cellular carriers are thankfully getting on board with our tendencies and desires to travel the world with our phones, laptops and tablets.

Gone are the days of outrageous pay-per-gigabyte rates, limited roaming carrier agreements and poor options from cell carriers. Now two of the big four U.S. carriers are offering some sort of free international roaming, with the other two coming around to friendlier pricing and fewer restrictions on data usage.

Even prepaid carriers are getting in on the action with some international calling plans. Continue reading “Using T-Mobile Internationally”

What You Need to Know About Your 401(k) Fees

What You Need to Know About Your 401(k):

Your 401(k) Might Be Charging You High Fees and Severely Decreasing Your Returns

 

You may have already heard or read about both high-profile brokerage firms and employers, such as Edward Jones, Brown University, Delta Airlines, MIT, NYU and Yale, being sued by plan participants and employees for high fees in their 401(k) plans. 

Employees and plan participants are fighting back against high, exorbitant 401(k) fees, and recent lawsuits decisions have proven that the courts are beginning to side with them. Continue reading “What You Need to Know About Your 401(k) Fees”

Why You Need to Know Your Credit Score

Credit Sesame

 

A great credit score is what most of us aspires to. After all, a credit score is one of the important determining factors when it comes to borrowing money – and getting a low-interest rate when you do. If you ever plan to buy a car, a house, open a credit card, start a business, etc. you need to understand what a credit score is, what your personal credit score(s) is, and how it affects your personal finances.

 

Credit Scores

 

But trying to pin down a specific number that means your credit score is “good” can be tricky. After all, there are lots of different credit scores that lenders use when trying to decide your “risk level” and whether to grant you a loan.

 

How Do You Rate?

 

Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850. Within that range, there are different categories, from bad to excellent. They generally look like this: Continue reading “Why You Need to Know Your Credit Score”