How To Control Your Summer Cooling Costs

How To Save Money On Electricity Costs (1)Now that Memorial Day has passed, the unofficial start of summer is here. With that being said, you will probably see an increase in your electricity bill over the next several months due to increasing temperatures.

However, I am here today to help you save money on electricity costs this summer. I’m sure most of you would rather use that money for something else anyways!

While some of the tips below may seem obvious to some of you, I know plenty of others who spend hundreds of dollars a month on cooling costs and waste tons of electricity that they don’t need to be wasting.

As most of you know, we moved to Fruita, Colorado a little over three months ago. The weather here isn’t cold like most people think when they think of Colorado and this is because Fruita is in the high desert. We’ve had plenty of warm, sunny and beautiful days. Due to this, we’ve been mindful of the electricity we are using since we’ve already had some pretty hot days.

Even though the temperature here is somewhat similar to the temperatures we often experienced in St. Louis, Missouri, we’ve already noticed a big difference in our monthly electric bills. [Read more…]

Is My Employer-Provided Life Insurance Enough?

If the company you work for offers group life insurance, be sure to take advantage of this great benefit.  Employers are not required to offer life insurance, so if yours does be sure to count your blessings.  While having group life insurance is a nice bonus, it would be wise to consider purchasing additional life insurance on yourself. [Read more…]

An Affordable Way To Send And Receive Money (Great If You’re A Freelancer!)

Square Cash Review - Is Square Cash SafeLately, I’ve been looking for different ways to accept payments. I know I’m not the only one either. I receive many emails each month from readers who side hustle and/or run their own business and want to save money when processing transactions.

I currently use PayPal and the fees can add up very quickly. When using PayPal, the fee is 2.9% plus $0.30 of the amount you receive. This can easily add up to a few thousand dollars each year if you receive many of your payments through PayPal.

Even though PayPal is something I’ve been using for years, I knew there had to be something better. Cash and checks are great too, but when you run an online/location independent business, it’s not always the best choice.

Turns out there is something that is a much better option. [Read more…]

Memorial Day And Some Summer Spending Statistics

Memorial Day And Some Summer Spending StatisticsHello everyone! Today’s post is just a short one due to the holiday. On Wednesday, I will have a new post for you to enjoy.

I hope all of you had a fun weekend and I hope it’s a great Monday for you too. For those of you here in the United States, it’s Memorial Day.

Last year, I published an infographic from the U.S. Department of Veterans Affairs that I recommend you check out if you didn’t see it last year. I want to thank everyone who has served and is currently serving in the military. If it weren’t for all of you, I don’t know where I would be. I know I mainly talk about personal finance here on my blog, but please remember the true meaning of Memorial Day. [Read more…]

What Hopping Around Countries Taught Me About Money

What-Traveling-The-World-Taught-Me-About-MoneyHello! I am currently in Gulf Shores on a vacation with friends. Also, yesterday was my birthday! Today, I have a great post from a fellow blogger. Traveling can teach you many things, with money being one of them! Enjoy!

Every country I’ve been to has its own quirks and habits when it comes to money.

Sometimes I’d find this out the hard way through awkward misunderstandings, but other times it was quickly obvious what the norms were.

I’ve spent an extended amount of time in South Korea, Hong Kong, India and the United States and the differences between these places are enormous.

Whether it’s the price of food or the politeness of talking about personal debt, each of these places has its own character and culture that impacts just about every aspect of life.

Here’s what I learned about money from my travels. [Read more…]

Identity Theft Impacts Millions Each Year, Could You Be Next?

My Tips On How To Protect Yourself From Identity TheftAccording to identity theft statistics I found from the Bureau of Justice, over 16 million people were victims of identity theft just in the year of 2012.

Identity theft is becoming such a common occurrence in recent years and it is something far too many people have personal experience with.

No one wants to deal with identity theft. Identity theft can lead to headaches, a drop in your credit score, loss of money, and more. While some situations can be fixed in just a day, some identity theft situations can linger on for years and years.

Even I have been the victim of identity theft numerous times, mainly due to someone stealing my personal information when I was just a child.

Nothing has happened recently though, even though I have multiple accounts, many credit cards (all used for rewards points), and more, and I believe a lot of that has to do with the fact that I always make sure to be very careful with my personal information.

Below are my tips on how to protect yourself from identity theft. [Read more…]