Healthy, Wealthy, and Wise Are Not a Package Deal

Forever I have heard the saying of one of my favorites Ben Franklin that includes the phrase “healthy, wealthy, and wise”. OK, if going to bed early could really simply foster those things wouldn’t we all be heading to dreamland around 8 PM and basking in great health and wealth when we woke up each day?

For those seeking to be healthy, wealthy, and wise, the path isn't always easy. Here are some thoughts on getting there and current events.

But let’s be real for a second. First of all, almost all of us don’t go to bed early simply because we enjoy doing all the things that you can do in the evening like dining out, watching television, and, well, just doing the things we can’t do in the daytime because of work. So strike one right there. The days of going to bed at dusk ended when being a farmer was no longer the number one job anyone could have. No offense intended Ben, but health and wealth and wisdom don’t just come to those gentle souls automatically!

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Just a Quick Note

Thanks for checking in on Super Saving Tips and for being a supporter. There’s no regular blog post today because I’m going to be taking off the next week to take care of some health issues. Not to worry, I’ll be back soon. The next blog post will be on September 25th and the next newsletter will be sent on September 30th. If you’re not signed up for the newsletter, be sure to subscribe here. Hope you have a great week!

How to Start Investing Without a Lot of Money

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We all hope and aspire to be able to save and grow our money. It’s not just a good idea. It may be fun to do and a challenge, but it is very important to save money for the future, target “numero uno”: retirement! But right now, even trying to find a high-interest savings account online has become practically impossible and if you do find any, you can’t earn enough interest to keep up with inflation. That’s where investing comes in. You may have put off investing because you didn’t have much in the way of finances, but I’m here to tell you to how to start investing without a lot of money.

Many people put off investing because they think it's a big commitment of funds. But you can learn how to start investing with only a small amount of money.

Investing Your Money Has Become a Real “Go To” Plan

You may think that investing is only for wealthy people. Or that you just don’t even know the most fundamental thing about investing and are simply frightened at the thought of it. Or you may have just put off investing forever. If you did that because you didn’t have much money left over for investing, then I have very good news for you. It doesn’t take much money to get started with investing!

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10 Do’s and Don’ts to Save Money on Groceries

My guess is that one of the best ways to save your hard-earned money every week is to save money on groceries! With good planning, and learning to follow and never deviate from that plan, saving on your grocery bill almost becomes a way of life.

While good planning is the key to save money on groceries, there are still things you can do to limit your spending while you're shopping at the store.

Because it is something you do so often, every week, it is a keystone to your budget. And you already know that it is so easy to blow it completely up if and when you stop paying attention to it. That’s the reason I want to highlight for you the do’s and don’ts that are really easy ways to limit your spending while you’re shopping at the store. Whether it’s avoiding the influence of the supermarket as they try to coax you into spending more, or by simply asking for what you want, these ways to save actually work!

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How to Create a Better Grocery List to Save Money

There’s no escape from the fact that buying food is a big deal and a regular part of your life. It may be that you used to spend money dining out in restaurants or eating fast food lunches every day, but at some point, you simply must buy food at the supermarket and keep it on hand at home. And when you do that, you are usually spending a big wad of cash.

Creating a grocery list will save you money, but what you really want to do is slash your food bill and save thousands every year! Here's how!

If you are shopping for just you, it might not be any real issue, but if you have a family to shop for and especially with kids, BINGO! You have hit the mother lode of hunger with that one and that is why you need to know how to build a better grocery list!

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What to Do When Current Events Affect Your Finances

Even if you have only a little bit of awareness about it, current events affect your financial life, often in a big way. Figuring it all out and making sense of it all is key to keeping your finances healthy in the long term.

Current events can help or hinder your financial goals. Here's what you need to consider in times of uncertainty.

The upcoming election (now just two months away), market volatility, current economic conditions, and a global pandemic make it challenging to make sense of it all. If you have questions about how these events affect your financial goals, you are not alone.

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5 Simple Daily Steps to Success

If there’s one particular subject that everyone thinks about, my guess is that it has something to do with becoming a “success”. Of course, before you get to the steps to success, you need to figure out exactly what defines success for you because it may be different than what it means to me or anyone else. Success in most cases is personal and that makes it a perfect subject right here in a personal finance article.

If you're looking to succeed, start by emulating the habits of successful people. These simple daily steps to success will help you reach your goals.

Where Do You See YOUR Success?

I have written several times about success, the financial and the personal kind. Both are important areas and when we gain success in one or the other or both, we feel much better about our lives and ourselves.

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Parenting Dilemma: Work and Childcare or Stay at Home

One of the biggest issues facing families right now (and we have a laundry list of issues, don’t we?) is the question they face about work and childcare. Even under normal conditions not involving a pandemic and whether or not your kids have a school they can actually get up and go to each day, the decision to be a stay-at-home parent or to find work and supplement your family income isn’t an easy one to make. But right now, the stay at home or daycare decision is a real dilemma!

Making the parenting decision between work and childcare or staying at home isn't easy. Here's a look at the financial side.

Who Watches Your Child If They Can’t Go to a School?

If you have a choice, what choice will you make? For the moment, your choices may be very limited. Do you have a job to return to or you can find? Is your child’s school offering on-site instruction or virtual classrooms? For how long will your life decisions remain in effect because of the pandemic?

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