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THE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of HealthTHE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health 10 FRUGAL WAYS TO SAVE ON FOOD 1. Eat Local. Locally grown food is not only fresher and tastes better, it is better for the environment and your purchases help support local farmers. 2. Shop on the Edge. Shop the perimeter at your grocery store for healthier and less expensive ways to save on food costs. Most grocery stores place fresh foods like produce, meat andseafood
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
THE VALUE OF ONE DOLLAR AROUND THE WORLD The dollar began to rise in value against most currencies of the world, becoming one of the strongest. Currently 1 British Pound will get you $1.28 US. With this wonderful change in the buying power of the dollar, now is the time to scratch the travel itch you have and see the world. Although a stronger dollar doesn’t mean that yourplane
5 LOW-RISK WAYS TO MAKE MONEY The longer the term of the Certificate of Deposit the higher the interest rate. CDs are a good low-risk option for those that have the cash available to lockup for a period of time yet want a higher rate than that offered at a traditional savings account. 4. Lending Clubs. Lending Clubs or P2P lending, are a fast-growing form of peer-to-peer POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. HOW TO CONTROL SPENDING IN 5 EASY STEPS By following these 5 steps, you will be well on your way to controlling your spending. 1) Find out what you are spending – You can't control your finances if you don't know how much you are spending. Track your spending for at least a month and be sure to record all expenditures, especially those paid in cash. Ask for a receipt and keep them VAN LIFE – HOW TO BUDGET AND GET STARTED It depends on the many different things you included. Most European van life couples claim to set aside around $800 per month, with a daily budget of around $25 per day. However, in the US, that number is higher, around $1500. With a large financial strainFAMILY FINANCES
1. Work Towards a Shared Financial Vision. Having a shared vision for how financial decisions are made is probably the most important factor in avoiding disagreements. It's a good idea to discuss the topics of retirement, debt, and spending early on in your relationship and create a roadmap together on how you are going to handle finances. 2. HOW TO START SAVING WITH GOLD AND SILVER One way to save that can help with both liquidity and risk is buying gold bullion, which is both easy to sell and, over the long term, known for maintaining or increasing in value. Gold dealers make buying gold online convenient and secure. You lock in your price, pay by any number of means including Interac online, e-transfer, credit card, or 5 REASONS WHY YOU SHOULDN'T EXPECT AN INHERITANCE Leaving Money to Kids is No Longer a Priority for Many Parents. In a recent study, Allianz Life found that in 2005 22% of retirees aged 72+ felt that leaving an inheritance to family was a priority compared to 14% today. Interestingly only 9% of boomers aged 47-66 expect to receive an inheritance.THE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures.THE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health 10 FRUGAL WAYS TO SAVE ON FOOD 1. Eat Local. Locally grown food is not only fresher and tastes better, it is better for the environment and your purchases help support local farmers. 2. Shop on the Edge. Shop the perimeter at your grocery store for healthier and less expensive ways to save on food costs. Most grocery stores place fresh foods like produce, meat andseafood
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
THE VALUE OF ONE DOLLAR AROUND THE WORLD The dollar began to rise in value against most currencies of the world, becoming one of the strongest. Currently 1 British Pound will get you $1.28 US. With this wonderful change in the buying power of the dollar, now is the time to scratch the travel itch you have and see the world. Although a stronger dollar doesn’t mean that yourplane
5 LOW-RISK WAYS TO MAKE MONEY The longer the term of the Certificate of Deposit the higher the interest rate. CDs are a good low-risk option for those that have the cash available to lockup for a period of time yet want a higher rate than that offered at a traditional savings account. 4. Lending Clubs. Lending Clubs or P2P lending, are a fast-growing form of peer-to-peer POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. HOW TO CONTROL SPENDING IN 5 EASY STEPS By following these 5 steps, you will be well on your way to controlling your spending. 1) Find out what you are spending – You can't control your finances if you don't know how much you are spending. Track your spending for at least a month and be sure to record all expenditures, especially those paid in cash. Ask for a receipt and keep them VAN LIFE – HOW TO BUDGET AND GET STARTED It depends on the many different things you included. Most European van life couples claim to set aside around $800 per month, with a daily budget of around $25 per day. However, in the US, that number is higher, around $1500. With a large financial strainFAMILY FINANCES
1. Work Towards a Shared Financial Vision. Having a shared vision for how financial decisions are made is probably the most important factor in avoiding disagreements. It's a good idea to discuss the topics of retirement, debt, and spending early on in your relationship and create a roadmap together on how you are going to handle finances. 2. HOW TO START SAVING WITH GOLD AND SILVER One way to save that can help with both liquidity and risk is buying gold bullion, which is both easy to sell and, over the long term, known for maintaining or increasing in value. Gold dealers make buying gold online convenient and secure. You lock in your price, pay by any number of means including Interac online, e-transfer, credit card, or 5 REASONS WHY YOU SHOULDN'T EXPECT AN INHERITANCE Leaving Money to Kids is No Longer a Priority for Many Parents. In a recent study, Allianz Life found that in 2005 22% of retirees aged 72+ felt that leaving an inheritance to family was a priority compared to 14% today. Interestingly only 9% of boomers aged 47-66 expect to receive an inheritance.THE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of HealthTHE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
HOW TO TRAVEL TO CALIFORNIA ON A BUDGET Rent an RV. One of the best ways to see California, regardless of your budget, is to rent an RV. You can go to a peer-to-peer platform like Outdoorsy, choose your pickup location and hit the road.. The reason RV travel is so perfect for California is because there are stunning camping locations available throughout the state, and road tripping gives you the opportunity to see so much of the state. POST GRADUATION GUIDE TO GOAL SETTING Here are some things you can do that can make the process of goal setting easier. 1. Dream Big. You never want to give up on your dreams and it is okay to have high hopes and big dreams. If you dream of opening a large, successful restaurant in New York City, then keep that dream in the back of your mind as it will push you further inlife.
7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health 10 FRUGAL WAYS TO SAVE ON FOOD 1. Eat Local. Locally grown food is not only fresher and tastes better, it is better for the environment and your purchases help support local farmers. 2. Shop on the Edge. Shop the perimeter at your grocery store for healthier and less expensive ways to save on food costs. Most grocery stores place fresh foods like produce, meat andseafood
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
THE VALUE OF ONE DOLLAR AROUND THE WORLD The dollar began to rise in value against most currencies of the world, becoming one of the strongest. Currently 1 British Pound will get you $1.28 US. With this wonderful change in the buying power of the dollar, now is the time to scratch the travel itch you have and see the world. Although a stronger dollar doesn’t mean that yourplane
5 LOW-RISK WAYS TO MAKE MONEY The longer the term of the Certificate of Deposit the higher the interest rate. CDs are a good low-risk option for those that have the cash available to lockup for a period of time yet want a higher rate than that offered at a traditional savings account. 4. Lending Clubs. Lending Clubs or P2P lending, are a fast-growing form of peer-to-peer POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. HOW TO CONTROL SPENDING IN 5 EASY STEPS By following these 5 steps, you will be well on your way to controlling your spending. 1) Find out what you are spending – You can't control your finances if you don't know how much you are spending. Track your spending for at least a month and be sure to record all expenditures, especially those paid in cash. Ask for a receipt and keep them VAN LIFE – HOW TO BUDGET AND GET STARTED It depends on the many different things you included. Most European van life couples claim to set aside around $800 per month, with a daily budget of around $25 per day. However, in the US, that number is higher, around $1500. With a large financial strainFAMILY FINANCES
1. Work Towards a Shared Financial Vision. Having a shared vision for how financial decisions are made is probably the most important factor in avoiding disagreements. It's a good idea to discuss the topics of retirement, debt, and spending early on in your relationship and create a roadmap together on how you are going to handle finances. 2. HOW TO START SAVING WITH GOLD AND SILVER One way to save that can help with both liquidity and risk is buying gold bullion, which is both easy to sell and, over the long term, known for maintaining or increasing in value. Gold dealers make buying gold online convenient and secure. You lock in your price, pay by any number of means including Interac online, e-transfer, credit card, or 5 REASONS WHY YOU SHOULDN'T EXPECT AN INHERITANCE Leaving Money to Kids is No Longer a Priority for Many Parents. In a recent study, Allianz Life found that in 2005 22% of retirees aged 72+ felt that leaving an inheritance to family was a priority compared to 14% today. Interestingly only 9% of boomers aged 47-66 expect to receive an inheritance. 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
HOW TO MANAGE YOUR PERSONAL CASH FLOW The key to managing your personal cash flow is treating your personal finances like a business. Figuring out how to increase revenue and reduce costs is the secret to maximizing profits and ultimately putting more dollars in your bank account. POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. HOW TO START SAVING WITH GOLD AND SILVER One way to save that can help with both liquidity and risk is buying gold bullion, which is both easy to sell and, over the long term, known for maintaining or increasing in value. Gold dealers make buying gold online convenient and secure. You lock in your price, pay by any number of means including Interac online, e-transfer, credit card, or 7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health PREPAID CARDS FOR TEENS The Takeaway. Yes, prepaid cards for teens is a great way to introduce your teen to the concept of credit. Once they demonstrate they can manage their spending responsibly, adding them to your credit card can prepare them for eventually getting a secured credit card. 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Your water bill will be considerably lower. Use less shampoo: you don’t need a fistful of shampoo to foam your hair. First of all, excessive shampooing will damage your hair. Second, you will probably have to buy a new one each week. Dry the soap: if HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is CAN YOU RETIRE EARLY BY LIVING FRUGALLY? Make plans for your retirement, think about how other people will still be working when you have years of fun ahead of you. Yes, you can retire early by living frugally. But you need to be savvy, you need to be committed, and you need to work hard. frugal living, frugal livingtips, retirement.
HOW TO MANAGE YOUR PERSONAL CASH FLOW The key to managing your personal cash flow is treating your personal finances like a business. Figuring out how to increase revenue and reduce costs is the secret to maximizing profits and ultimately putting more dollars in your bank account. POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. HELP FOR LOW-INCOME FAMILIES IN THE UK Cold Weather Payment. This payment is paid to low-income families only when the temperature is 7° C or lower for seven straight days. The payment is for £25 and will automatically be paid each time this occurs once you have signed-up for the program. This benefit is designed to help offset heating expenses during extreme temperatures. HOW TO START SAVING WITH GOLD AND SILVER One way to save that can help with both liquidity and risk is buying gold bullion, which is both easy to sell and, over the long term, known for maintaining or increasing in value. Gold dealers make buying gold online convenient and secure. You lock in your price, pay by any number of means including Interac online, e-transfer, credit card, or 7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ONTHEFRUGALTOAD.COM
SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health PREPAID CARDS FOR TEENS The Takeaway. Yes, prepaid cards for teens is a great way to introduce your teen to the concept of credit. Once they demonstrate they can manage their spending responsibly, adding them to your credit card can prepare them for eventually getting a secured credit card.THE FRUGAL TOAD
The Frugal Toad is a personal finance blog with a frugal twist. We provide thoughtful advice on topics such as: saving money, debt, retirement, frugality SHOW YOUR HARD-EARNED DOLLARS SOME LOVE: IDEAS FOR BEING It seems like more than ever it matters where the dollars go and getting the most bang for your buck is the goal. Listed below are a few tips that can help you move along on your journey of being frugal and ideas that can help you save money. 1. Buy frequently purchased items in bulk. Most people think that this advice is mainly good forfamilies.
SIMPLE LIVING: A LIFE WITH LESS STUFF It leaves you with more time and money; and your decluttered environment helps to reduce daily stress. There are two main steps to achieving a life with less stuff. First, get rid of the things you don’t really need and then don’t replace those items. It’s thatsimple.
VAN LIFE – HOW TO BUDGET AND GET STARTED It depends on the many different things you included. Most European van life couples claim to set aside around $800 per month, with a daily budget of around $25 per day. However, in the US, that number is higher, around $1500. With a large financial strain SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH True Cost of Smoking Cigarettes. Smoking lowers the life expectancy by an average of 7.13 years for a man and 4.5 years for a woman and has a “true cost” of between $40 and $222. In The Price of Smoking, Duke University researchers estimated the individual and societal costs of smoking at $40 a pack while a study in Journal of Health PERSONAL FINANCIAL RATIOS YOU SHOULD KNOW Personal Savings Ratio = Monthly savings / Disposable Monthly Income. The ratio of current period's cash surplus to the current period's income after taxes. The current savings rate for Americans is 6.2% of disposable income, it was 17.3% in 1975. For most TAX TIPS: UNDERSTANDING THE IRS UNDERPAYMENT PENALTY This penalty is normally one of two things, whichever is the least amount. The first of these is 90% of the tax that you should pay for the year, or secondly 100% of the tax that you paid the previous year. It should be noted, however, that some occupations are eligible for a reduced rate on these penalties. These include the likes of a farmer HOW TO START SAVING WITH GOLD AND SILVER In both Canada and the U.S., personal and household debt is at worrying levels. The New York Times reported that in 2017, Americans accumulated more credit than they had even at the peak of the credit bubble that preceded the 2008 recession. Even more concerning – Americans owe more than $1 trillion in revolving debt, a.k.a. creditcard debt.
MONEY SAVING TIPS: IS AUTO GLASS REPLACEMENT COVERAGE Typical Scenario (4 Years) Cost of Chip Repairs – $50 x 2 = $100. Cost of Windshield Replacement – $200 x 1 = $200. Cost of Glass Coverage – $100 x 4 = $400. Total glass repair cost over 4 years is $300 versus cost of full glass coverage of $400 so you can save $100 by dropping the glass coverage and paying for the work out of pocket. 5 QUESTIONS TO ASK A POTENTIAL BUYER BEFORE SELLING YOUR Selling a business can turn out to be a hectic and challenging task. You might have a hard time recognizing a potential buyer. Coming across frauds or people who are just interested in gathering information about your business without buying it is also a majorpossibility.
35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Live in an RV: this is actually more of a dream for many people than a drastic way to save money.It is like caravanning forever, and you won’t have to pay any rent or bills for water and electricity. Plus, that is how you travel anywhere you like without investing too much. HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is SHOW YOUR HARD-EARNED DOLLARS SOME LOVE: IDEAS FOR BEING Now more than ever people are looking to save a buck by cutting corners here or there. It seems like more than ever it matters wherethe dollars go
WHAT TYPES OF CONTENT ARE BEST TO INCLUDE IN AN EMAIL 3.) eBooks. Sending an eBook to your clients or customers is another great form of content for email marketing campaigns. eBooks are similar to whitepapers in that they convey information, but they’re less dense and more playful. HOW TO START SAVING WITH GOLD AND SILVERGOLD SAVINGS ACCOUNTKEY BANKGOLD SAVINGS RATE
In both Canada and the U.S., personal and household debt is at worrying levels. The New York Times reported that in 2017, Americans accumulated more credit than they had even at the peak of the credit bubble that preceded the 2008 recession. Even more concerning – Americans owe more than $1 trillion in revolving debt, a.k.a. creditcard debt.
CAN YOU RETIRE EARLY BY LIVING FRUGALLY? To retire early, you need to save your money carefully, making the most of any excess that you manage to create by living frugally. Use a Registered Retirement Savings Plan 7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ON THEFRUGALTOAD.COMHOW MANY HOURS IS OVERTIME SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH The New Year is a great time to look at making changes and many people include losing weight or quitting smoking as a goal. It's no secret that the cost of a pack of cigarettes has risen dramatically over the last several years but there are other costs of HELP FOR LOW-INCOME FAMILIES IN THE UKSUPPORT FOR LOW INCOME FAMILIESGRANTS FOR LOW INCOME FAMILIESFINANCIAL ASSISTANCE FOR LOW INCOME FAMILIESFINANCIAL HELP LOW INCOME FAMILIESGOVERNMENT ASSISTANCE PROGRAMS IN MISSIS…LOW INCOME GOVERNMENT ASSISTANCE PROGRA… This article maybe specific for the UK but the programs highlighted in this article can give you an idea of what might be available in yourcountry if not
PREPAID CARDS FOR TEENS Young Adults (18+) A secured credit card is a good option for young adults with verifiable income if under the age of 21. A secured card is a card that has a spending limit, typically between $300 and $500, and is secured by a deposit. 35 EXTREME PENNY PINCHING TIPS FOR SAVING REAL MONEY Live in an RV: this is actually more of a dream for many people than a drastic way to save money.It is like caravanning forever, and you won’t have to pay any rent or bills for water and electricity. Plus, that is how you travel anywhere you like without investing too much. HOW TO CREATE A STRONG FAMILY UNIT IN DIFFICULT TIMES Whether it is due to economic uncertainty or social isolation, hardships have been experienced by many recently. One of the few things that could be worse than personal suffering is SHOW YOUR HARD-EARNED DOLLARS SOME LOVE: IDEAS FOR BEING Now more than ever people are looking to save a buck by cutting corners here or there. It seems like more than ever it matters wherethe dollars go
WHAT TYPES OF CONTENT ARE BEST TO INCLUDE IN AN EMAIL 3.) eBooks. Sending an eBook to your clients or customers is another great form of content for email marketing campaigns. eBooks are similar to whitepapers in that they convey information, but they’re less dense and more playful. HOW TO START SAVING WITH GOLD AND SILVERGOLD SAVINGS ACCOUNTKEY BANKGOLD SAVINGS RATE
In both Canada and the U.S., personal and household debt is at worrying levels. The New York Times reported that in 2017, Americans accumulated more credit than they had even at the peak of the credit bubble that preceded the 2008 recession. Even more concerning – Americans owe more than $1 trillion in revolving debt, a.k.a. creditcard debt.
CAN YOU RETIRE EARLY BY LIVING FRUGALLY? To retire early, you need to save your money carefully, making the most of any excess that you manage to create by living frugally. Use a Registered Retirement Savings Plan 7 CAREERS THAT LET YOU WORK THE MOST OVERTIMESEE MORE ON THEFRUGALTOAD.COMHOW MANY HOURS IS OVERTIME SMOKING CIGARETTES IS HAZARDOUS TO YOUR FINANCIAL HEALTH The New Year is a great time to look at making changes and many people include losing weight or quitting smoking as a goal. It's no secret that the cost of a pack of cigarettes has risen dramatically over the last several years but there are other costs of HELP FOR LOW-INCOME FAMILIES IN THE UKSUPPORT FOR LOW INCOME FAMILIESGRANTS FOR LOW INCOME FAMILIESFINANCIAL ASSISTANCE FOR LOW INCOME FAMILIESFINANCIAL HELP LOW INCOME FAMILIESGOVERNMENT ASSISTANCE PROGRAMS IN MISSIS…LOW INCOME GOVERNMENT ASSISTANCE PROGRA… This article maybe specific for the UK but the programs highlighted in this article can give you an idea of what might be available in yourcountry if not
PREPAID CARDS FOR TEENS Young Adults (18+) A secured credit card is a good option for young adults with verifiable income if under the age of 21. A secured card is a card that has a spending limit, typically between $300 and $500, and is secured by a deposit. ABOUT - THE FRUGAL TOAD I started Frugal Toad in 2011 out of a passion for personal finance and wanting to share that knowledge with my readers. I have a BS degree in Business Administration with a double major in Accounting and MIS from Indiana University of PA and worked as a financial HOUSEHOLD - THE FRUGAL TOAD Household - Practical money saving advice on topics such as: DIY, lowering utility bills, remodeling, appliances, decorating, and more SHOW YOUR HARD-EARNED DOLLARS SOME LOVE: IDEAS FOR BEING 4. Find ways to extend the life of your produce. Many people buy produce, but unless they consume a lot of it, they don't buy in bulk. The reason behind it is that most of us have a problem with extending the shelf-life of produce. 10 FRUGAL WAYS TO SAVE ON FOOD According to the Bureau of Labor Statistics, food is the third largest monthly expenditure families have after housing and transportation. With a little planning, you can save on food costs by trying some ofthese easy tips.
FINANCE FOR DUMMIES
Finance for Dummies is a series of articles about personal finance topics for those without a PhD in Finance! We try to explain important finance topics such as Consumer Price Index(CPI), FED Monetary Policy, or other topics in a way that is easier to understand. PERSONAL FINANCIAL RATIOS YOU SHOULD KNOW Do you know what your debt to income ratio is? It is probably one of the most important personal financial ratios around and is one factor in determining your credit rating, the interest rates you pay, and directly effects how much discretionary money you have to spend.. Personal Savings Ratio ATTRACTING A NEW WAVE OF FRANCHISEES Your franchise lives or dies by the franchisees that operate it. Knowledge, business acumen and the financial means to invest are all essential requirements that everyone should look out for in afranchisee.
PREPAID CARDS FOR TEENS Young Adults (18+) A secured credit card is a good option for young adults with verifiable income if under the age of 21. A secured card is a card that has a spending limit, typically between $300 and $500, and is secured by a deposit. POST GRADUATION GUIDE TO GOAL SETTING When you hear the term “goal setting,” what comes to mind? Have you set any goals for yourself? While you were in college, you maybe had a couple simple goals such as passing your class or being able to complete one semester with a 4.0 GPA, but now that you are a post grad, you need to make sure that you are setting more intense goals that are focused on your future. 5 REASONS WHY YOU SHOULDN'T EXPECT AN INHERITANCE Leaving Money to Kids is No Longer a Priority for Many Parents. In a recent study, Allianz Life found that in 2005 22% of retirees aged 72+ felt that leaving an inheritance to family was a priority compared to 14% today. Interestingly only 9% of boomers aged 47-66 expect to receive an inheritance.* Advertise
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WHAT ARE THE BENEFITS OF AN FHA LOAN?By Paul Vachon on
09/10/2020 in Personal Finance It’s a common problem to find yourself wanting to buy a property but struggling to find a lender to provide you with a mortgage. There are various reasons why a traditional mortgage may not be a good fit for you. It’s possible that you have a limited credit history, or have suffered from credit problemsRead full story
Comments are closed WHAT TYPES OF CONTENT ARE BEST TO INCLUDE IN AN EMAIL MARKETINGCAMPAIGN?
By Paul Vachon on
08/27/2020 in Personal Finance Email marketing is a cost-effective form of advertising which is ideal for businesses looking to build a good relationship with their customers and drive consistent, high-quality traffic to their websites. This being said, with there being a greater focus on social media nowadays, many people aren’t sure how to go about creatingtheir own email
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Comments are closed 7 TIPS TO CONSIDER WHEN USING A PERSONAL LOAN FOR PAYING OFF DEBTBy Paul Vachon on
06/24/2020 in Personal Finance Ever since the COVID-19 pandemic broke out, a lot of people are now staying indoors. Staying indoors greatly limits social interaction, which is a crucial way to spread the virus. Because of the lock down regulations, many people have lost their jobs. Even businesses are having a hard time keeping their doors open. Due toRead full story
Comments are closed MOTORING MONEY SAVING TIPS TO CUT TYRE CARE COSTS IN BIRMINGHAMBy Paul Vachon on
11/20/2019 in Personal Finance Have you ever come across the phrase: A little goes a long way? That applies to your tyre care regime. We all have busy lives and coping up with daily pressures becomes really challenging. But in the midst of everything if you manage to pay a little extra attention to yourwheels – you can
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Comments are closed SIDE-BUSINESS IDEAS TO EARN EXTRA MONEYBy Paul Vachon on
11/19/2018 in Personal Finance Image credit: Le Buzz There are many interesting ways how to save or invest your money, but what about earning more? It’s hard to figure this out, especially if you’re working full time – then the only possible way to get more money seems to be the promotion at work.Which is
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WHY TERM LIFE INSURANCE IS AN OPTION WORTH CONSIDERINGBy Paul Vachon on
11/13/2018 in Personal Finance When the time comes to look at life insurance and all the different options, it can be challenging to determine not just how much coverage you need, but what life insurance plan is the best option for you. You have two main options for coverage, permanent insurance or term life insurance. Both have theirRead full story
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USING CREDIT CARDS RESPONSIBLY: THE DOUBLE EDGE SWORD EXPLAINEDBy Paul Vachon on
11/03/2018 in Best Deals, Credit Cards
Depending on your credit habits, you either have a love or a hate relationship when it comes to credit cards. If you love them, it’s likely because you’ve found a card that offers you a top notch rewards program or a low interest rate. With the right credit card you can travel for free orRead full story
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THE BEST BROKERS FOR PENNY STOCK TRADERSBy Paul Vachon on
10/28/2018 in Personal Finance Penny stock traders have unique requirements when it comes to selecting a broker. Since most penny stocks trade below $5, fees must be minimal, and multiple trades must be supported. Take a look at this list of the best brokers for penny stock traders in 2018. Robinhood Robinhood is the only broker thatRead full story
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THE HIDDEN COSTS OF OWNING A HOMEBy Paul Vachon on
10/13/2018 in Personal Finance Owning a Home – Investment or Expense? Owning a home has long been the American Dream. A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make. According to a recent report by CoreLogic, negative equity peakedRead full story
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ACTIVITIES TO TICK OFF YOUR BUCKET LIST WHEN TRAVELING IN UTAHBy Paul Vachon on
09/28/2018 in Travel and Leisure Utah, a classic gem to all who visits the state. This place offers a wide range of activities for kids and kids-at-heart, for passersby, for enthusiasts, and road trippers. If you are on the lookout for top things to do in Utah, then adventure, splendour, and a rich culture await you. Add up toRead full story
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TOP TRAVEL TIPS FOR THOSE TRAVELING TO THE UNITED STATESBy Paul Vachon on
09/24/2018 in Travel and Leisure The United States continues to be one of the top travel destinations in the world for good reason. The U.S. has some of the most scenic landscapes that you will find along with popular tourist attractions such as The Grand Canyon, Yellowstone and Yosemite National Parks. There has never been a better time to bookRead full story
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LEARN HOW TO SAVE MONEY ON AUTO INSURANCEBy Paul Vachon on
09/23/2018 in Personal Finance The cost of auto insurance is very high. Insurers have increased their premiums in order to protect their valuables and, still, many of them do not make a profit. These premiums can vary by hundreds of dollars. Motor insurance continues to remain the biggest and most expensive nuisance. The good news is that, with theRead full story
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THE ULTIMATE GUIDE TO SAVING MONEY FOR YOUR DREAM TRIPBy Paul Vachon on
09/14/2018 in Travel and Leisure Everyone has a trip on their bucket list that they have been dreaming to have since they were little. However, back then you had no idea that money is a big inconvenience that can stop you from fulfilling your wish, you were just thinking about how amazing it is going to bewhen you reach
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HR TIPS FOR SMALL TO MEDIUM SIZED BUSINESSESBy Paul Vachon on
09/13/2018 in Personal Finance For small to medium businesses struggling to remain competitive and keep their cashflow healthy, HR often becomes an afterthought, or something you only address when an issue has already arisen. Not only can this cause ill-will in the workplace and affect productivity, in the worst-case scenario it can land employers in serious legal andfinancial
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5 TRICKS TO SPOT GOOD FINANCIAL ADVICEBy Paul Vachon on
11/23/2014 in Personal Finance Any time you need financial advice, and you turn to the Internet for help with it, the results can be hit or miss. More often than not, this is because when you need help it’s because you don’t know enough about the topic to tell if someone is providing helpful advice, or just filling yourRead full story
Comments are closed HOW COLLEGE STUDENTS CAN SAVE MONEY SHOPPING FOR EDUCATIONAL SOFTWAREBy Paul Vachon on
06/24/2013 in Frugal Living These days, it seems that universities are forcing students to pay a lot of extra technological fees, such as hardware and software costs and upgrades, copying and printing fees, and more. But many students are finding that it is completely unnecessary to have to spend all this extra money just to successfully complete their courseworkRead full story
Comments are closed 5 WAYS TO BE GREEN AND SAVE MONEY ON EARTH DAYBy Paul Vachon on
04/23/2012 in Household Today’s homeowner is always looking for ways to save money around the home. Combining that with eco-friendly or green improvements can be expensive, however there are many ways you can go green and save money at the same time without spending a lot of money. Home Energy Audit A home energy audit is the firstRead full story
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INSURANCE PRE-LICENSE TRAINING AND EXAM PREPARATIONBy Paul Vachon on
10/09/2020 in Personal Finance Speaking of the state insurance examinations and their preparation, they are never easy. Aspiring insurance professionals need to know the importance of mastering the different definitions and terms in this sector. They should also know the significance of being able to showcase competencies bypassing the standardized examinations. Choosing the right insurance license training program isRead full story
Comments are closed WHAT TO LOOK FOR WHEN YOU’RE CHOOSING A NEW BOILERBy Paul Vachon on
10/03/2020 in Household Sitting down to plan out your winter budget? As the nights get darker, it’s likely your seasonal spending will take a turn as you focus on wrapping up and keeping warm. If you’re noticing gurgling or banging noises when you turn your boiler on, your heating system is over ten years old, or your waterRead full story
Comments are closed SHOULD YOU SELL YOUR HOUSE TO GET OUT OF DEBT?By Paul Vachon on
09/29/2020 in Personal Finance Managing a debt can be tough, and paying it off when its high can be nearly impossible, particularly when you do not have a substantial income. If you are looking to avoid unsecured loans or credit cards, there are many strategies that can be embraced to offer you relief, such as the implementation of anRead full story
Comments are closed HELPFUL TIPS TO DE-CLUTTER AND ORGANIZE A HOME OFFICEBy Paul Vachon on
09/27/2020 in Personal Finance Getting organized is no easy task. While some people are much better at it than others, most often it can become an easier task when there are tools to help organize the clutter. When looking at the best plans to handle clutter, setting out a plan to tackle it can be especiallyhelpful. The first
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Comments are closed 5 QUESTIONS TO ASK A POTENTIAL BUYER BEFORE SELLING YOUR BUSINESSBy Paul Vachon on
09/22/2020 in Personal Finance Selling a business can turn out to be a hectic and challenging task. You might have a hard time recognizing a potential buyer. Coming across frauds or people who are just interested in gathering information about your business without buying it is also a major possibility. So, before you start the process of selling yourRead full story
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7 SIMPLE WAYS TO IMPROVE YOUR CREDIT SCOREBy Paul Vachon on
09/17/2020 in Personal Finance Use These Strategies to Improve Your Credit Score Do you have a poor credit rating and need a loan or credit card? It’s actually a fairly common problem – but one that can be fixed. While repairing a poor credit score can’t necessarily be done overnight, these tips should be enough to get you startedRead full story
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While I do have an accounting degree and a background in finance, I am not a professional or financial advisor. Articles posted on this site are informational opinions only. Please make your own financial decisions based on personal research or see a financial advisor.Also, there is paid advertising on this site. There is no obligation on your part to purchase any products or services advertised on this website. In accordance with FTC guidelines some links on this site are affiliate links and if you click on the link I may receive acommission.
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