Back in 2020 (and 2021), we refinanced our mortgage to get those really low interest rates. At first we refinanced our 30-year down to a 15-year because the rates were low. As the rates lowered more, we refinanced back out of a 15-year to a 30-year. The reason was simple, the rates were below 3%…
It’s been a long time coming, but savers are finally being rewarded again with higher interest rates on savings accounts and CDs. Cash is King again!! While it’s no match for the 8%+ inflation rate we are dealing with, I’d rather earn 3% on my cash than be losing 25%+ on my investments. For a…
I’ve never been one to settle for high cell phone bills. Over the years I have been on Verizon, Straight Talk, AT&T, T-Mobile, Republic Wireless, and Cricket Wireless (who I was on before switching). In a recent effort to reduce my monthly costs, I decided to try out Mint Mobile. Here is my experience and…
If you’ve been living under a rock or in a place without any connection to the outside world, we are in a recession. It was official already though some still think there is one to come. But by definition, the United States is in a recession. With the government raising rates, inflation at an all-time…
Coinstar is a popular coin counting and sorting machine that is available in many grocery stores and most Walmarts around the country. They even have a nice international presence. They provide the service of counting your unrolled coins and getting cash immediately in the matter of minutes. The current Coinstar fee is 12.5% + $0.50…
If you’re interested in saving money, you should have an emergency fund. So what is it and how do you create one? Plain and simple, an emergency fund is money you have set aside in case of an emergency. These can range from an unexpected bill, car repair, home repair, medical bill, job loss, etc….
The Debt Avalanche is another popular debt repayment method which focuses on paying off debts in a calculated manner by focusing on how much interest you pay. Unlike the Debt Snowball method, you pay off debts based on the interest rate. When I was in over $75,000 of debt, the debt avalanche is what I…
Making extra money is the best way to change your financial situation. The good thing is that in our current time, there are so many ways to earn extra money through the classic side hustle. Basically this is a “job” you do on the side of your main job. You can earn money with your…
It’s that time of year again! Time for the kids to start begging for all of the newest and coolest bloody weapons of choice and princess costumes. Yep, it’s Halloween time again! I personally am not a huge fan of this holiday due to the fact that it can get ridiculously expensive. All so that…
It’s back to school season my friends. If you have kids in school, then you know about this lovely time. The school lists are out and you need to head out to get supplies if you haven’t already. What happens if you don’t get a school list though? Do you know what school supplies you…
It’s starting to get warm out there again, which means one thing… Time to tune up and turn on those air conditioners while trying to save money on your cooling bills. Tough job! If you’re anything like me, then you know how uncomfortable it can be when you’re hot in your own home. I hate…
Vacation. It is an annual rite of passage for many families across the summer. Besides Christmas, vacation is usually the largest one-time expense each year. We all want to have an awesome vacation, no matter if we stay near for a staycation, or book an international trip for a few weeks. Budgeting for a nice…
