First, consider how you can easily save $10,000 a year. To save $10,000.00 is about $830.00 per month. The shortcut to saving is to review your lifestyle itself. Save money on food. When considering “trying to save money,” many people start by looking at their food expenses. Food costs are…
Category: Savings
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Saving money after 40
It’s a race against time to save money in your 40s Some may think, “Isn’t it too early to worry about your retirement funds?” If you’re in your 30s, you may need to wait to start saving. However, if you are in your 40s, you have less time to achieve…
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Organization ideas
My favorite way to save space to store small items is Door hanging Closet Shoe Organizer. Since it hangs over the door, it only takes up a little space. I use it in the Pantry room and hallway closets. I store Various Seasoning packages, Candy’s, and Tuna Packets. Use to…
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How to look good on the budget
Suppose you want to stand out? Make your styles! Many people believe you’ll stand out if you wear what’s in style. It’s a total opposite. You will end up dressing like others. It’s better to wear what you like and make it your style that people admire. You don’t have…
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Using e-commerce and online sites as your garage sale
My husband and I always had side hustles. As we hate having yard sales, we started to use online sites such as eBay, Offer up, Craig’s Lists, and facebook marketplace as garage sales. There’s also Poshmark Mercari. I sell anything from old clothes to video games. If we are out…
Invest in Exchange-trade funds (ETFs)
ETFs or “exchange-traded funds” are exactly as the name implies: funds that trade on exchanges, generally tracking a specific index. When you invest in an ETF, you get a bundle of assets you can buy and sell during market hours—potentially lowering your risk and exposure, while helping to diversify your portfolio….
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Instead of buying Designer items, invest in their Stocks
As I mentioned in my other post regarding not keeping up with Jones, many of us get trapped in name-brand games. I have seen as young as an infant wearing name-brand clothes. This habit will not only lead the child into the name-brand game, but it’s also wasteful. Instead of…
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Freeze your credit to get higher score
Nowadays, we can never be careful about protecting our assets from Scammers and Hackers. Earlier this year, we installed an online identity protection called Aura. I feel secure with Aura since they monitor credit, assets, and identity. https://buy.aura.com/aura-vs-competition? In addition, we froze our credit with three major credit bureaus. Our…
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Zero percent interest credit card – Use it as home layaway
Whenever we have a big purchase, we apply for a Zero percent interest credit card to pay over time—treating it like a home layaway. We paid for our fence, trips, etc. Most of them have terms between 18-24 months. If you take the item price and divide it by zero…
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How to establish Credit
In 1990, We came from Japan to Southern California. My husband is originally from there. After service in the Military, he chose to go back and start a fresh life with me. We did not have any credit established. One of the things that we did to establish credit was…