President Ronald Reagan proclaimed July as National Ice Cream Month back in 1984. Since then, it’s been our patriotic duty to indulge in cones, cups, and sundaes, whether for dessert or as an anytime treat to cool down in the summer heat. There is still time to indulge and you know what that means? Free ice cream…yum!
National Ice Cream Month is observed every year in July (National Ice Cream Day was on July 15, 2018). This fun celebration is enjoyed with a bowl, cup, or cone filled with your favorite flavor of ice cream. Seriously, does anyone out there not love ice cream? Continue reading
It’s baaaaaaaack! Well, it has been a full year since I awarded the Super Saving Tips first annual awards (given at the halfway mark of the year just to be a little bit different). These are the savings awards that I give to the businesses and products that save you the most money or offer the best deals that earn you the most in cash and rewards! Oh, you haven’t heard about them? Hmmm, that’s strange. As I said last year, it was in all the papers. 😉
Oh, you don’t read the paper? Well, no problem with that. If you did happen to miss the news this year of these very prestigious awards then let me recap them right here for you now. It will save you some time and money. So, here are the “best of” winners for the last 12 months, in my opinion of course. Continue reading
The personal finance realm may have more guidelines and money rules to follow than any other community. Thousands of PF bloggers will give you advice at the drop of a hat (including me!). Although these rules of thumb are always good to know about, everyone has individual circumstances, particularly younger people. Because of those circumstances, sometimes you just have to ask yourself a really big question:“Is it ever OK to bend or even break personal finance rules?”
Why Breaking the Rules May Make Sense
First of all, personal finance isn’t an all-or-nothing practice. Good financial planning involves balance and attentiveness to details of your own unique situation. For example, if your debt is one that’s charging low interest, it might be better to pay the debt off slowly in favor of saving money first (such as for retirement, an emergency fund, or a major expense). Continue reading
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To every thing there is a season, and a time to every purpose under heaven. – Ecclesiastes 3:1
You don’t need to be a Bible student to know that when it comes to shopping, seasonality is a big factor in the art of saving money and finding the very best deals. 4th of July sales are the perfect example of that situation and offer some of the best opportunities if you know what to look for and you have a real need! You already know that buying only based on your wants isn’t always a good move and buying a “bargain” that you might never actually use is downright foolish!
But, if your Independence Day plans include hitting up the malls or shopping online, get ready for what can be some of the best sales and celebrations of the year. Smartening up on what to buy (and not to buy) during the July and the summer sales and clearances will make the summer more fun and the outdoor party season much more enjoyable for you and your family! Continue reading
History is filled with unpredictable events that catch us off guard, shock us, and often wreak havoc in our lives. That can impact our short- and long-term future. Sometimes, if we are really fortunate, we might get a “heads-up” with a brief or subtle warning about impending trouble ahead. Things like really bad weather such as a hurricane or tornado heading our way, or new laws being passed that will affect us all beginning next year. What would you do if you knew for sure that trouble was coming?
The truth is we never can be 100% certain what the future will bring. The phrase “anything can happen and it usually does” comes quickly to my mind. Continue reading
Remember back at the end of 2017 when you sat down and were thinking about all of your big plans to save more, spend less, and get out of debt? Millions and millions of people do that along with other resolutions like losing weight, quitting smoking, or even finding a new job. But it’s been about six months since you had that conversation with yourself and now that the year is halfway over, the time is ripe to evaluate your progress.
There are a few key questions that you should be asking right now, and if your answer to any of them is “no”, it may mean that you have areas that need some fine-tuning. Remain calm and take heart: if you do find any areas where you have lost your focus, it is not too late to take action this year and reach your goals. Check yourself right now and see where you stand! Continue reading
Over the years, a lot has been written about profit and the role it plays in our lives. After all, if a business doesn’t make a profit, it eventually will go out of business and that can affect an awful lot of people including you if you happen to be an employee. Even the biggest names in the business world have seen that happen over the years, like Woolworth and Montgomery Ward, just to name two. Many others are facing the same fate right this minute. Historic names like Sears, J.C. Penney, Neiman Marcus, and PetSmart are all teetering on the edge of extinction.
But business isn’t the only entity that must be “profitable” in order to survive. Realistically speaking, individuals like you and me must be profitable too in order to function properly and have a lifestyle that makes us content and successful. So, why do we think of profit as a dirty word?
Summer is here and boy have I been looking forward to it! In my more recent years, my tolerance for the cold and winter has waned and I’d much rather enjoy a warm summer day than bundling up in my thermals and digging the car out of 12 inches of snow! Just thinking about it makes me cold, so yippee! summer has officially arrived and for the next few months, snow will be restricted to other corners of the globe and not here in central New Jersey.
Being ever on the lookout for ways to save some money, summertime offers several neat ways to save and I have compiled my faves which are things you can actually do yourself. So, here are nine great ideas you can use to save money during those warm months of summer. Continue reading
The Federal Reserve raised its key short-term interest rate this week as U.S. economic growth remains strong and unemployment is at an 18-year low. The bottom line for borrowers is this: everything from credit cards to auto loans to mortgages is about to become more expensive because of this Fed rate hike.
The Fed’s monetary policymakers added another quarter-point to the central bank’s key interest rate, putting it at 1.75% to 2%, the highest since 2008, economists said. This is the second of a now planned four interest rate increases expected for this year. The Fed last raised its benchmark rate a quarter-point in March, moving it into the range of 1.5% to 1.75%. You’re going to feel this one right away. Continue reading
Being a dad has been the biggest responsibility I have ever had. After all, bringing a new life into the world and literally trying your best to help make that person the best kind of person they can be and fulfill their life’s real potential doesn’t weigh easy on anyone.
I sometimes get a bit misty eyed when I think about my two kids and I always miss seeing them when they aren’t right here with me. I think we all feel that way because after all they are so very important to us.
So a couple of years ago, I wrote a post about my thoughts on Father’s Day and it really came from my heart. I think the message in it says what every dad (and mom too) thinks and feels about a day like this. Even though the environment we live in makes us feel like honoring our dads and moms is all about buying gifts and making a big deal out of just the one single day a year, I can tell you from personal experience, that’s not what dads (and moms) really want from their kids. Continue reading