We all know credit cards are dangerous, yet if used correctly, they can actually be very advantageous. There are an array of cards available that offer points, rewards, airline miles, statement credits and YES, they are all very lucrative. However, if you do not know how to use your card to your advantage, you could be digging yourself into a whirlwind of debt. It is estimated that the mean credit card debt for the average American is $5,700. (Source ValuePenguin)
With this amount so high, I’m not suggesting you use your card to go on a spending spree. (Although that would be fun!) Nonetheless, I’m offering some advice to help you build credit and earn some of the amazing rewards these plastic gems have to offer.
Let’s change that $5,700 figure around and let the cards work in our favor. If you are sick of being one of the people that pays interest on your card and gets nothing in return, keep reading…
How To Stop Spending Like You Are Rich (When You Are Not!)
Sure it would be fun to spend like a millionaire! We could buy a new Birkin bag (or for guys the latest Rolex), however, the truth is many millionaires are very frugal. This is how they became millionaires in the first place. They know the value of a dollar.
Nonetheless, it is easy to become obsessed with the latest and greatest style, toy, gadget, etc. (insert whatever you love to buy here…) Yet, if you are trying to save and contribute to a retirement and emergency fund, this is counterproductive.
In today’s post, I’m going to give you a list of ten ways to learn how to curb spending. Even if you aren’t buying big-ticket items like an Ipad, all the small ticket purchases add up. Try writing your spending down for one week and see how much that morning coffee, tube of lipstick and two dresses from the mall costs you. You will be surprised at the total.
Ready for some awesome Target Deals? Target has some great sales this week and as Spring is fast approaching, I am positive you will love the swim suit sale, especially if you are taking a vacation soon! Can anyone say “Spring Break?” My family and I are taking a budget vacation to Cancun (post to follow after the trip) this year. I’m going to shop the suits before we go.
Not to mention the sale on flip-flops! You can coordinate your flip-flops with your swim suit!
Spring cleaning is in the air and it is time to declutter! There is a sale on home storage!
After you clean out your bedroom, lighten up the mood with new bedding. My husband and I decided to get each other a new comforter for Valentine’s Day, but I have yet to pick one out. Maybe this will be the week.
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Looking to get perfect brows but don’t want to break your bank? I’m right there with you! In today’s post I’m going to reveal an amazing brow pencil I randomly found that is super cheap, but works great! You are going to love it.
First, let me preface by telling you about the brow pencil I was using from Sephora. I loved how it made my brows look. It worked well and the color was fabulous; however it was getting pretty small after sharpening and the idea of dragging two kids into Sephora to buy another was not on my top ten list of things to do for fun.
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Did anyone used to watch the show “Hoarders”? The story-line involved people who could not let go of accumulated stuff and their houses were eventually overtaken by knick knacks and other sentimental treasures. Experts would swoop in and try to convince the poor souls to let go of items to improve their living conditions. I’m not even sure it is still on, but let’s face it, we all have a bit of that sentimental hoarding-side that makes us clutter-happy. (Useful Tips for Decluttering Your Home and Gaining Perspective).
Why Is It So Hard?
The definition of a hoarder is “a person who hoards things.” (Google definitions) So true, it is easy to have obsessiveness with certain items. Mostly, we hold on to stuff that evokes emotion and conjures up memories and/or nostalgic feelings.
Nonetheless, fear is triggered when parting with our items. We have a fear of regret. We are anxious about forgetting our dearest memories. Of course, we do not want to let go of these wonderful items.
Great food, ambiance, company, conversation…Who doesn’t like a good night out? Dining out with the family is a wonderful experience. The chef in your house gets a break and you can enjoy the company of loved ones. Yet, dining out can also be expensive and wreak havoc on your budget.
It would be fun to eat out often; however, it is not always sustainable financially. Nonetheless, there are sensible ways to eat out at restaurants for the occasional treat. However, I do not recommend dining out often if you are on a budget. Yet going out once or twice a month using the tips listed below, will give you a fun endeavour and won’t break the bank. So pack up the kids and hit the town!
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This post contains affiliate links. If you click a link and make a purchase, I will receive a small commission at no cost to you.