I have always had a secret wish to be some kind of organizational genius. I remember when I first got a school planner in high school. I carefully recorded everything in it diligently….for the first week or so. Then I went right back to flying by the seat of my pants and hoping everything got done in the end. And so it has been ever
I started using facial lotion with sunscreen and foundation with sunscreen when I was 22 years old. I’ve never smoked. Seldom drink. I began using Retin-A occasionally when I was in my 20s for acne. So I always assumed I’d be able to keep wrinkles at bay… but that’s not been the case. Pregnancy, time and hormone changes have brought wrinkles to my face and
Is the weekly ritual of clipping coupons from the Sunday paper becoming a thing of the past? I, for one, would not be sorry to see it go. These days all you need is a mobile device to find great deals. Here are 15 apps you’ll want to have the next time you go shopping. 1. Ibotta The original rebate app and the one I still use
Yesterday I spent an hour on the phone negotiating my monthly bill with my wireless provider. It was a long, tedious hour, but I can’t argue with the results: I’m going to be saving $600 per year. Now I feel dumb for not doing it sooner. I love a great sale or coupon stack as much as the next person, but it stands to reason
Are you drowning in student loan debt? In 2015, student loan debt in the United States reached a staggering $1.3 trillion. Nearly 71 percent of students who graduated in 2015 carried student loans, at an average of over $35,000 per borrower. For students graduating with professional degrees that number can be substantially higher. You May Be Able to Pay Less.
Yesterday was my 17th wedding anniversary. This got me thinking about all the things we registered for… and how many we still do and don’t have. My husband and I took a trip down memory lane, remembering what items we received and which ones are still useful all these years later. Here are 6 items you shouldn’t register for… and 6 you should.
Who doesn’t love a nice refreshing swim!? Having a backyard pool can make you feel like you’re on vacation all summer long. That’s why my Dad likes to get the pool open as soon as possible every year. He opened the pool in May this year which surprised our neighbors because of the high cost of heating the pool. We have a gas heater so
Moving is expensive, that’s no surprise. The surprise is just how many people move and how deeply it cuts into our finances. A recent survey of 306 people who recently moved, commissioned by Our Town America, a mover marketing franchise, revealed scary statistics. Just how many of us are moving? Of 300 million people living in the United Stats, more than 40 million of them are moving
Pet food bills can really add up, especially if you have more than one four-legged friend living in your home. You don’t want to skimp on quality, since more expensive pet food is cheaper in the long run if you factor in how the lower quality (and less costly) brands are often bulked up with fillers. Also, it’s been my experience that better quality food may
As tax day draws near, if you are like most people, you’re looking for any possible way to lower your bill and keep more money in your pocket. Because the tax code is so complex — literally thousands of pages full of thousands of rules, regulations, and procedures —many individuals just throw up their hands in frustration and take the standard deductions on the easiest
Maintaining hair color is expensive and time-consuming. That is why, with the exception of a three-month mistake of box red in college, I have not dyed my hair. Salon color treatments can range anywhere from $100-$350 and no, I am not kidding. So when I started to see some grays and decided to pull the trigger, I knew I had to make my dollars stretch as
As you know from my 21 Reuses for Freezer Bags and 21 Uses for Coffee Grounds (apparently I love the number 21) posts, I don’t like to waste things. I take pride every week in how small the garbage sack is at the bottom of my driveway. It means I am reusing, reducing and recycling! That being said, every time I stared at that
Jewelry stores at the mall sell engagement rings that look like what everyone else has. But you want something one-of-a-kind. Or something vintage. Maybe something a little different, just like you. But you’re on a budget and want to look at inexpensive jewelry in your price range. It’s confusing – what’s all this business about cut, color, clarity, and carat? Are prices and styles for platinum, gold,
When I was growing up my parents paid close attention to how much they spent on each of their children. Every Christmas, birthday, and holiday, my mom was careful to spend not a penny more on one of us. That all changed this past year. My dad has begun to help one child a lot more than others. It seems like he favors one child over another
I recently discovered an amazing website for homeowners and commercial real estate owners who want to lower their energy bills. It’s called DSIREusa.org (Database of State Incentives for Renewables and Efficiency). What a mouthful! The site shows a state by state list of what tax credits, rebates, and incentives your state is currently offering to offset the cost of energy improvements, including but not limited to: