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Tag: Save Money

How much is your time worth

Why Your Time is Money and How to Stop Wasting Both

How much is your time worthTime is our most valuable resource. But, we are all guilty of driving out of our way to get gas priced $.02 cheaper, taking on a home improvement project ourselves which end up doubling the time commitment, and going from store to store just to snag a few sale items. We sometimes fail to realize that the time we spend, often unnecessarily, can add up. It is often said that time is money, but how much is your time worth?

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Stop Trying to Keep Up

Why You Need to Stop Trying to “Keep Up”

Stop Trying to Keep UpIn today’s social media-driven society so many details of our personal lives are only a click away. Our primary form of communication or interactions with each other are through tweets, Instagram posts, and Facebook status updates. We are often just trying to "keep up" and find motivation from our number of followers and likes. Maybe without even noticing, we begin to put our lives on display as a status symbol. As a blogger, I understand this now more than ever. Showing off our red bottoms, newest designer bag, or our lavish evening out, has become the norm. To outdo our “frenemies,” we have begun to consume conspicuously, caring more about our standard of living concerning our peers than our well-being. At what point we stop trying to keep up and just start living for ourselves?

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How to Get a Gift for Everyone on Your List Without Going Broke

holiday spending The holidays can be " the most wonderful time of the year," but for some, it's also a time filled with stress and anxiety. With all the gift-giving, traveling and holiday functions you may just be happy when it's all over! If you end up loosening your financial belt during this time of year, you'll likely regret it come January. Don't fret; it is possible to make it through the season without going broke. Check out my tips for buying gifts when you are on a budget:

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Financial capable

4 Ways to Save Serious Money and Become More Financially Capable

Mixed race woman paying bill with cell phone Financially literacy is incredibly important. I’ve dedicated my life’s work to it. But what if I told you that financial literacy isn’t enough? I know I was shocked when I learned the same thing. It turns out that financial literacy will only take you so far. For you to have true financial success, you need to have financial capability.

What's the difference?

When you’re financially literate, you have an understanding of how money works – how to earn it, manage it, invest it, etc. and technically you have the skills and knowledge to make financial decisions. When you’re financially capable, you also have the confidence, attitude, and self-efficacy to act on this knowledge. Basically, when you’re financially capable, you believe in yourself. You believe that you know enough to make a decision OR that you know enough to know when you ask for help AND you believe that it’s worth your time and there is value to managing your money proactively. Yeah. I know this sounds likes a big challenge. But here’s why financial capability is way less scary than it sounds. With financial literacy, it can sometimes feel like you need to know everything before you make a move. With financial capability, you have the permission to learn and make mistakes as you go along. If you’re financially capable, it’s okay to stumble through some things and not know it all, because you have the confidence to make course corrections along the way. Here are some moves you can make this week to get closer to becoming financially capable:

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Why are you Still Broke  e

7 Reasons Why You’re Still Broke

 Why are you Still Broke--These days it seems like the more money you make the more you spend. You work all week, make a enough money to pay your bills and still have some left over too, so why don't you have more money in the bank? The truth is financial freedom doesn't come easy. If you take a good look at your spending habits, it may become clear what is holding you back. See if one of these 7 reasons are contributing to why you are still broke.

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Money talk

Couples Finances: How to Start the Money Talk

You're engaged—congrats! Or maybe you’ve decided to take your relationship to the next level and move in together. No matter where you are in your relationship, if you are planning for a long-term future, it’s important to start thinking about your finances. According to CNBC, finances are the leading cause of stress in a relationship. Don’t let money get in the way of your and your partner's happiness. Knowing how to talk about money with your partner can be difficult, but before you combine your finances with your soon-to-be husband or wife, you need to have an open and honest conversation.

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