Category Archives: Budgeting

Financial Mistakes You’ll Regret in 10 Years

Many people put off financial responsibility as a task to be done tomorrow or when they are older, but in order to get the most out of your time and money, it is important to be responsible and make your money work for you as soon as possible.  

It may sound difficult or daunting, especially if you have just been living paycheck to paycheck without a plan, but after a few weeks, financial responsibility becomes a habit. Sometimes, it can even be fun and like a game to see how much you can make your paycheck work for you and your household.

Not Budgeting

Budgeting is an important part of any household. You always want to be sure that you have more money coming in than going out. The easiest and most effective way to ensure this is by writing a budget for your specific household and needs.

Budgeting makes it easier to see and control where your earnings are going. It also makes it easier to cut unnecessary expenses along with helping you keep track of any possible excessive spending. Budgeting also makes it easier to make sure you have an emergency and save for other reasons. In 2017, 78 percent of Americans are living paycheck to paycheck, which means that a lot of people are really vulnerable.

Not Paying off Debt Monthly

Paying off your credit cards and other debt is important. If you let the credit card debt pile up or don’t pay on time, it will have a huge impact on your credit score.

On top of a suffering credit score, you’ll face a suffering wallet as a result of your growing monthly credit card bill. On the other hand, if you constantly pay off your credit cards on a monthly basis, it can be a huge help to your credit score. You also want to make sure you pay the monthly bills for any other debt you might owe.

There are tools available that help you calculate monthly debt and forecast how soon you are able to pay it off.

Not Investigating Investments/Not Understanding Investing

Another huge mistake that often causes long-term regret is not properly investigating the investments you are making. Many people have no idea where their money is even going or what it is supporting.

Your money will work for you much better if you understand the market and how to make your money work its hardest for you. If you struggle to understand investing, it is okay to get professional help.

Ignoring the Importance of an Emergency Fund

Many people live paycheck to paycheck, but just because this is normal, doesn’t mean it is the best way to live your life. If you don’t have an emergency fund and are living from paycheck to paycheck, the smallest surprise expense could financially ruin you.

This surprise expense could be a car expense or a medical expense. You could also be unexpectedly laid off or fired. To start saving an emergency fund, you should save a minimum of $1000. However, once you are financially secure, you should calculate your expenses and save enough money to cover three to six months of your living expenses.

Buying a New Car You Can’t Afford

Everyone fantasizes about driving that nice, new, shiny car off the lot, but most of the time, the new car’s massive devaluation is excluded from the fantasy. Buying a car you can’t afford can be a huge pain.

It is perfectly fine to buy a used car from a reliable dealer, just make sure if you don’t know much about cars, you bring someone along who does. Also, never rely on an employer’s driver allowance or anything similar, because if anything happens to your job, you are left without that income but still with your car’s bill.

Not Being Properly Insured

Sometimes, health insurance seems so expensive that it doesn’t feel worth it, but not being insured is far more expensive. No one plans on having an emergency or any health surprises, but it happens all the time.

Even if you are healthy and have never had an emergency or health problems, you never know when health problems might emerge. You could get in a car accident, get hurt playing a sport, or be injured at work. You can be as careful as you want, and still end up with a huge medical bill.

You really need to be insured in case of health emergencies or any type of accident. Hospital bills are incredibly expensive, which is a huge reason why medical debt is the leading cause of bankruptcy in America.

Don’t risk your whole financial future for immediate savings. It can only go badly.

Not Making Retirement a Priority

It is the best for your future and you will earn the most the earlier you start saving for retirement. You want to make that interest rate work its hardest for you, and you can gain more through compounding interest the sooner you invest the money.

Starting your retirement saving early is very important since someone who invested $3,000 yearly for 10 years starting at the age of 25 will have over $338,000 in retirement, compared to someone who waited until the age of 35 and saved $3,000 yearly for 30 years, who would save a total of about $303,000.

This is why you don’t want to wait to start saving for retirement. Not only that, but time passes much more quickly than you realize. You don’t want to let too much time pass or you will never be able to retire.

Not Discussing Money with Your Spouse

Partnership makes everything better. You always want to make sure that you have an honest relationship with your significant other, so why would you choose to not be open about money? It’s actually one of many the things you should talk about it.

For the most part, two heads are better than one, and you will probably do a better job making the best financial decisions for your home if all information is known and out in the open. Talk to each other and be partners when it comes to finances.

Not Noticing or Investigating Better Solutions to Recurring Expenses

Many people have recurring expenses for things that are either unnecessary or that they don’t use. Also, there are usually better and less expensive options. For instance, why would you pay for cable if you usually stream your entertainment online?

If you only have cable to watch sports, either find a local place that plays your team’s games or find a streaming service that offers the game. Many people also have the ability to minimize their phone bills, or, if you want to minimize daily expenses, you could just take time to buy a good coffee maker instead of overspending on your daily java intake.

Make These Tips Habits

The habits listed above can be detrimental to your financial life, but with some willpower they can be broken. Once you stop making these 10 mistakes, your stress will be minimized, and you will wish you were financially responsible sooner.

It is relatively simple and provides a lot of day-to-day relief from stress related to bills, groceries, and other everyday expenses, and once you get used to your new, responsible habits, financial responsibility will become second nature.

Save Your Way to Wealth (But Don’t Forget To Live)

canstockphoto21503128You can learn how to save your way to wealth and still enjoy life in the process. Nobody is born with an understanding of budgeting, investing, or even money itself, and we all learn at our own pace how to best handle our finances. Everybody knows that it is important to save money, but few people successfully save enough money to develop a sense of financial security. This is due to a lack of understanding about how to approach personal finance. With a few basic rules to guide you, you can dramatically improve your savings and start building your net worth.

The first principle of personal finance is to keep track of your incoming and outgoing money. To be aware of your money is to spend it wisely. How will you improve your spending and saving habits if you don’t even pay attention to how you use your cash?

A simple way to practice this principle in the real world is to track all your expenditures for a week. Every dollar you spend must be written down. After a week, add up the costs of various spending categories like food or travel. This will help you see areas for improvement, such as cutting down on fast food spending or reducing how many miles you drive per week.

Another important rule of thumb is to save at least 10% of your paycheck in a long-term savings account. This isn’t money that you save to buy something with, like saving up for a TV. This savings account, or investment portfolio, is your retirement fund. Many families, even those with healthy incomes, have little or no savings put away for retirement. If you want to be able to retire with dignity, you will need to start saving as early in your life as you can.

At first, saving 10% of your paycheck may sound impossible with all of the living expenses and bills you need to pay. It is reasonable to start with five percent going towards savings. Aim to increase this amount to 10% over the course of a year, or with your next pay increase. Remember that this is money you are paying to your future self, with interest. Consider the opinion of financial thought leaders like VTA Publications CEO Jim Hunt, who advocates self-discipline as a crucial habit for success. Use the habit of self-discipline to put away that money into savings and never touch it again.

The final principle is to put aside another five to ten percent of your income for purely recreational spending. Don’t forget to live your life today in addition to keeping an eye on the future. Most of us already spend at least 10% of our income on some form of recreation, so this is more of a reminder than a hard and fast rule. No matter how frugal you get, be sure to enjoy yourself and reap a few rewards for all of your hard work.

Smart Money Saving

Just because we’re well into the first month of the year doesn’t mean we can’t make some changes in how you spend and save money in 2015. Getting over the festive season is always a painful experience but maybe now that you’re in the throes of it, you can think of creative and effective ways to spend your money so that you’re not in the same position 12 months from now.

52 Week Saving Challenge














This challenge is supposed to last over 52 weeks but of course, you can alter it to your own timeframe and even the amount of money you’re putting away at a time – this can be the money to tide you through Christmas this year (so you don’t need to touch your wages) or to tide you through January so that you can spend in Christmas without worrying. As well as this, it encourages smart, affordable and step-by-step saving to ease you into what could potentially be a habit of a lifetime.

Coupons, coupons, coupons!

It’s a tried and tested way of saving money and, if you have the patience and know-how, it can be highly effective. Coupon websites, cut outs from magazines and newspapers and money-off codes seem like pennies but pennies add up to pounds and very fast! There are plenty of sources out there and, as a bonus, always keep notes of how much you’ve saved and see how that could be spent far more efficiently!

Get a cash ISA 

Cash ISA’s are a great way of saving money and when there’s a 40 day notice required for access, you may second-guess whether you really need the money you’ve put away. As well as this, the interest that can be gathered within ISA’s can go towards the big things like mortgages, cars and dream holidays.

Enter competitions

This sounds a little wacky but it’s actually becoming a very popular and interesting way to make money! A lot of the competitions you can find online offer small things like beauty essentials right up to £1000’s in cash and holidays. It takes a little perseverance but it’s usually very easy to do and could end up making a huge difference to your life.

Ditch the mobile phone contract

Way back when, phone contracts were a better investment solution than pay-as-you-go deals. However, as time has passed, phones have gotten far more advanced and intelligent leading to far more expensive phone contracts. The average contract is over £30 a month, phone inclusive and over a 24 month period, that’s a hell of a lot of money. Usually more than the phone would have cost in the first place! With rival prepay companies like GiffGaff offering more affordable payment plans with no ties. Their most expensive deal is £18 p/month for a 1,000 minutes, unlimited UK texts & 5GB of data. Similar to GiffGaff are Lebara who offer cheap international calls.


Whatever you decide to do, make sure it’s something you can actually achieve. Changing the way you spend and save money is a constant work in progress and there’s no use in jumping in at the deep end- start small, work your way up. You’ll soon find that looking for bargains, corners that can be cut and cheaper ways to do the things you love will become second nature to you.

Best Ways To Save Money Cooling Your House This Summer

Running the AC day and night can get really expensive when you live in a climate that gets almost stiflingly hot. On average, the cost of AC cooling in America costs around $11 billion and each home releases two tons of carbon dioxide into the air every year. This year, try tweaking a few things to save money and help out Mother Earth.

Plant Some Trees or Shrubs

Putting plants around your house can block the sun, provide shade, and also cool the air. When you’re landscaping this spring, try planting bushes and trees so that they block the sun during the hottest parts of the day. Planting deciduous trees on the west and east sides of your home can save you up to 35% on your cooling bill! East trees will cast shade in the morning sun and west trees block the sun at the hottest part of the afternoon and make the most impact on your utility bill.

Change Your Bulbs

It may seem insignificant bulb to bulb, but when everyone is home and all of the house’s lights are on, quite a bit of heat can be generated from those little lights. Consider switching to energy-efficient fluorescent bulbs or halogen infrareds. Remember that the fluorescent corkscrew bulbs have mercury so consider using another bulb in areas where children may accidentally break them.

Use Some Fans

When the sun goes down, the air outside can become deliciously cool. Utilize this cool air and shut the AC off when the sun disappears. Place some fans in front of the open windows and blow that naturally cool air into your bedrooms to keep you cool while you slumber. Use ceiling fans to keep you cool while you’re in the room (remember, fans cool people, not rooms) and set the thermostat higher because the fans will help cool you down.

Use Dehumidifiers

Have a lot of humidity? You can attest that humid air can make you feel hotter than you really are. When you remove the humidity, it will feel much cooler than it really is. Use a dehumidifier in your house to suck the moisture from the air. This can reduce how much your AC is actually running because you’re not dragged down by the weight of humidity.

Changing a few little routines during your day can go a long way towards saving you money when the heat outside is almost unbearable. Along with regular AC Unit Maintenances via a company like Comfortable Home Systems, get creative to keep you and your family cool and keep you from cringing when you open your utility bill.

How To Upgrade Your Style On A Budget

Many people assume that upgrading their wardrobe requires plenty of money to purchase designer labels and high-end pieces. Although it’s easier to upgrade your outfits with a large budget, there are still several ways to makeover your clothing in frugal ways that are affordable.

Bid Online

Many online websites sell high-end clothing and accessories through auctions that allow customers to determine the price that they want to pay. Some of the clothing may be brand new, still in the box, or second-hand, but are all worth a deal with a bit of patience and persistence when participating in bidding wars.

Rent Designer Labels

Designer labels are available to rent through several companies that will loan the products out for an a period of time. Most of the products can be rented for an average of a month, making it an easy and affordable option for upgrading your style without paying more than you can afford.

Take Advantage of Annual Sales

Annual sales at major department stores offer major discounts that can mean up to 75 percent off of clothing, accessories, and designer labels. This makes it easy to upgrade your style each year and stay current on the latest trends and looks.

Shop at Flea Markets

For those who appreciate vintage pieces, flea markets offer many different treasures at low prices for those looking to purchase an old Louis Vuitton purse or perhaps a fur jacket. Come with cash and don’t be afraid to barter for an incredible way of upgrading your wardrobe at a fraction of the cost.

Compare Online Prices

Instead of paying full price for your favorite pair of Bermuda shorts or a leather jacket, compare prices online to obtain the lowest price by visiting several different websites. You can upgrade your style in the summer heat with an affordable Fendi hat or beat the chill with a Farah Vintage Macin the winter. By shopping online, these popular items often retail at a lower cost then in stores.

Buy During the Holidays

Whether it’s Memorial Day weekend or Black Friday, each department store and clothing boutique is competitive when it comes to getting customers in the door. Wait to shop until major holidays for an easier way of finding coupons in the local newspaper and taking advantage of the latest promotions that are available.


Upgrading your style is easier than you think without having to pay more than you can afford. Take advantage of local promotions, online auctions, and flea markets for an incredible way of purchasing trendy items that are attainable to the average consumer.



Savannah Coulsen is a freelance writer. She lives in Raleigh. Savannah loves to read and write and she hopes to write a novel someday. Savannah also loves learning and is a self-proclaimed health guru. Savannah likes to beat the chill with a Farah Vintage Mac.

Emergency Stash: 5 Tips for Continuously Building Up an Emergency Fund

No matter how careful of a planner you are, life happens. From unexpected medical bills to last-minute car expenses, financial emergencies can manifest at any time. Having an emergency fund is a great way to ensure that you are prepared for when disaster strikes. Although this may seem like a daunting task, you can continuously and responsibly contribute to an emergency fund so that you’re prepared for anything. Read on for some ideas to help you have the funds necessary to combat the surprises will throw at you.

Calculate How Much You Need

Before you begin saving for your emergency fund, you will need to establish what your goal is. Most financial experts recommend having at least four to eight months of living expenses in your savings. This emergency fund can help you and your family survive things like unemployment or other loss of income situations. Now, you won’t be able to put that much money in your emergency fund right from the beginning, but it is important to know how much it would require to keep you afloat financially. If you know your regular monthly costs, it’s easier to decide how much should be in the emergency fund.

Pay Yourself First

Each paycheck, before paying any of your bills or expenses, set aside a portion of your earnings for your emergency fund. Not only will this help you build your emergency fund, but it will also get you in the habit of saving. Many people run into problems when they don’t set the emergency money aside right away. You might tell yourself you’ll put the money in an emergency fund when you get your next paycheck, and then before you know it—the money is gone. Put the money into your emergency account before you have time to spend it or let your desires get the best of you.

Create a Budget

No matter how much or how little money you make, you can benefit from creating a budget. This popular financial tool helps put you in control of your finances. To create a budget, take a recent paystub and calculate your monthly earnings. Next, make a list of all your monthly bills and their due dates. Remember to include your “pay yourself first” savings as a bill. Once you have subtracted your expenses from your earnings, the money leftover is your discretionary spending. Try to put as much of that as possible towards your savings. You never know when you may need it in the future.

Direct Deposit

If you anticipate having difficulty sticking to a budget, direct deposit can be your best friend. This financial tool allows your employer to deposit your wages directly into your checking or savings account. In many cases, your employer may allow the funds to be split into more than one account. This allows you to automatically save your “pay yourself first” funds without ever seeing them.

Define “Emergency”

Once you decide where you will keep your emergency fund, you will need to create clearly defined parameters for the account. To help with this, consider writing down a list of conditions that a situation must meet before money can be withdrawn from the account. Typical emergency situations include car repairs, medical bills and school expenses. Those who are lacking in financial responsibility will use that hard-earned money to splurge on something that isn’t truly a dire need. If you make some guidelines for what you will and will not spend the money on, you’re less likely to spend it foolishly.


Saving money can be hard, but it does not have to be. With a little planning and a lot of patience, you will have a healthy emergency fund before you know it. Creating an emergency fund takes some self-discipline and control, however, you’ll be grateful to have the money when an emergency arises. Start saving the smart way, and you won’t find yourself up a creek without a paddle on the fateful day that the emergency pops up. The information for this article was provided by professionals who provide bail bonds in Sacramento.


Saving Money: Ways To Bring Your Water Bill Down

The water bill can take up a large portion of your household budget. There are several ways to bring your water bill down so that you can save money. The following tips are simple, yet they can make a big difference on the monthly bill.


Switch to a new showerhead. Many older models can use up to 5.5 gallons per minute. New low flow designs cut water usage back to an average of 2.5 gallons per minute. This can lower your water bill anywhere from 25% to 60%.


Think about cutting back on your time in the shower. Try five minutes. This, along with a new showerhead, can cut usage back by 12.5 gallons. The average 15 minute shower can use as much as 37.5 gallons.


Opt for a shower over a bath when possible. The common household bath tub uses 35 gallons of water to fill it for bathing. You’ll cut water usage by 22.5 gallons by choosing a five minute shower instead of a bath.

Check the Toilets

Up to 500 gallons of water per day can be wasted by a leaking toilet. There is one simple way to locate leaks. You can pick up tablets at your local home improvement store to use in testing for them. Place one in the tank. It will color the water. Next, watch for color seeping into the bowl. Seeing color indicates a leak. This should immediately be addressed.


Replace the toilet flapper once a year. They can quickly break down, allowing water to pass by. Flappers are quite inexpensive to change out. You may want to go with an adjustable flapper. This lets you determine how much water is used in each flush. Adjustable flappers can save up to three gallons of water with every flush. That will definitely bring down your water bill.

Your Faucets

As much as 1,000 to 2,000 gallons of water can be lost each year due to a faucet that leaks. Make sure all faucets in your home are functioning properly. Have a professional plumber repair or replace them as needed. Always turn the faucet off while shaving or brushing your teeth.


Installing a faucet aerator can help. This is a device that attaches to the faucet in order to reduce the flow of water. It won’t reduce the pressure, only the amount of water coming through. Many newer faucets have an aerator built in.

Routinely Check the Hot Water Tank

Hot water tanks can start to leak around the bottom of them. Leaks will raise your water bill due to the wasted amounts of water. Watch for puddles under and around the tank. If you find a leak Need-A-Plumber Canada repairs hot water tanks in Edmonton, or you can seek the advice of professionals at your local appliance stores.



Keeping up on these water usage issues can save you a lot of money on the water bill. When problems due arise, call a professional for any necessary repairs.


Carn. of Fin. Camaraderie at MoneySmartGuides
Carn of MoneyPros at Save and Conquer
Carn. of Financial Planning at On Better Terms
Yakezie Carnival at The Value Geek

5 unique ways to save money

When you’re trying to get your personal finances in order, it really helps to look into money saving tips.


Most people know about the basic tips such as to put a little money in savings each time you get paid and use money saving vouchers when you can. However, there are a few unique ways to save money that you may not have thought about.


Below you’ll find the top five unique ways to save.


1. Become your own hairdresser  

How much money do you and your family spend each month on trips to the hairdressers? Did you know that by learning to cut your family’s hair you could be saving a small fortune over the course of a year? All you need is good quality hair cutting and styling equipment and a few basic tips and you’re good to go. Colouring your own hair will save you the most amount of money providing you learn how to do it correctly.


2. Use a cheaper mobile internet service 

There are very few people who don’t need their mobile phone while they’re out and about. Whether it’s to stay in touch with friends and family or if you need to send emails for business; there are ways to make the cost of mobile internet a lot cheaper. Free sim cards that come with competitive plans are ideal. The one from Mobi-Data (linked above) provides you with a minimum of 1GB internet for just £4.94 per month.


3. Make cost effective meals 

The cost of food is currently pretty high. Just feeding the family for a week can seem to really eat into your monthly salary. The good news is there are plenty of ways to save on food and cooking more cost effective meals is pretty easy. Soup is a great example. It costs very little and is really good for you. Also consider cooking in bulk as this can save you quite a lot of money.


4. Raise a few chickens 

This may sound like hard work but the savings you’ll make from having your own eggs and chicken is definitely worthwhile. What’s more, you’ll know exactly where your meat has come from. It can be a good life lesson for your kids and ensure they are eating a healthier, additive free diet.


5. Paint the roof of your home white 

This is definitely one of the more clever tips to help you save money. It’s been found in a recent study that a white roof can really cut down CO2 emissions. This is because white reflects the sun’s rays a lot better than black. In summer this means you won’t need to use as much air conditioning.


These five tips can help you to save quite a lot of money over the course of a year. Sometimes you have to think outside of the box if you want to make a real change. By making any small change you’ll be soon on your way to gaining financial freedom.


Carn. of Fin. Camaraderie at
Carn of MoneyPros at Better Credit Blog
Carnival of Retirement at Lisa Vs. The Loans

Making the thought count: how to save money on extravagant Christmas presents

While this post may seem a little late, its message works for any Christmas and thus, I have posted it. First off start by boosting your Christmas present shopping budget by cashing in reward points on your Tesco Clubcard, Nectar Card, Boots Advantage Card and any other loyalty cards you have. It might be worth considering a short-term loan from a firm like in anticipation of payday, allowing you to make the most of the season, as long as you can pay it back within the agreed term.

Decide who you are buying for, and consider a Secret Santa between friends, or setting maximum prices for the adults’ presents. See if you can prune your list after speaking to family and friends first of course.

Looking for deals

When looking for deals, think about following big retailers such as Amazon and Debenhams on Twitter, as they often tweet about their latest deals on-line or in store. Make more use of the internet by searching online for the best deals on Christmas presents. Comparison sites such as Kelkoo, and will do the legwork for you, saving petrol costs at the same time. Look at for money-off vouchers and promotional codes to get discounts on your shopping.

Community websites such as Freecycle can be ideal, as people give away things they no longer need; from bicycles to TVs and everything in-between. Also check your local Facebook ‘for sale’ site for the same kind of thing. You’ll be amazed what you can find. Don’t forget the outlet villages such as Bicester Village in Oxfordshire and Freeport in Essex. You can find some amazing prices on designer products.

Get Crafty

If you are handy with your fingers, get the sewing machine out and make baby clothes, pyjamas, tea cosies or even complete outfits as gifts. Cook a delicious batch of chutney or jam with beautifully hand-written labels and ribbons to decorate. Homemade chocolate and rum truffles are very cheap and easy to make and they’re a great gift, wrapped in tissue paper in a little box or tin.

A great way to spoil the kids is to buy some inexpensive presents, like second-hand books and toys and wrap them up. It works well as younger children don’t understand money well enough, and the fun is in the unwrapping.

Christmas Day Help

If you are hosting Christmas lunch, ask your guest to bring a dish with them. This will save you both time and money, and gets everybody involved in making the day special. Delegate people to provide mince pies, stuffing, pigs in blankets or even the peeled Brussels sprouts.

If you are brave enough, hold off buying presents until the last moment, as high street store tend to discount most things on Christmas Eve. And if you have some family members that you won’t see until after Christmas Day, wait until the Boxing Day sales to buy their presents; prices will be even better!

5 Fool Proof Ways to Get Out of The Red With Your Family Finances

Many different families often have a difficult time staying afloat financially and staying out of the red. Although it can be a challenge to succeed in a struggling economy, there are a number of ways to thrive and establish a strong financial future.


1. Create a Budget

A realistic budget that doesn’t exceed your home’s monthly income will ensure that you don’t get into debt or overdraft your account. Eliminate extra luxuries that will provide more wiggle room in your budget and ensure that every dollar is accounted for with your expenses.


2. Use Coupons

Consistent use of coupons on household items and groceries will ensure that hundreds of dollars can be saved every month, which an be used for a rainy day fund or put towards debt. It will make it easy to thrive financially without having to earn an extra income or compromising what you purchase.


3. Create an Emergency Savings Fund

Many people get into debt by having a lack of a savings account, which should be used in the event of an emergency or an unexpected expense. Between a blown transmission to a visit to the hospital, unexpected bills should be planned for. Save at least $1,000 for the fund and build it up again as soon as possible after the money is used.


4. Obtain a VA Loan

One of the best financial benefits for those in the military is being able to obtain low VA rates when purchasing property. This will ensure that thousands of dollars are saved over the years and even make certain properties affordable for both veterans and those who are active duty. Those wanting to refinance can also obtain lower rates and ensure that they reap the benefits of serving in the military. A number of options are available to ensure that the best rates are obtained through


5. Pay Off Debt

Paying off student loans or credit card debt will ensure that you’re able to have a stable financial future without paying thousands of extra dollars in interest fees or late payments. You’ll also have a stronger credit score, which can reduce interest rates when applying for a home or auto loan.

By taking advantage of different tools available and by forming a new relationship with your money, it will ensure less stress and more peace of mind for plenty of savings and a more flexible budget.


Carnival of Retirement at Grad Money Matters
Carn. of Fin. Camaraderie at MoneySmartGuides
Carn. of Financial Planning at See Debt Run
Carn of MoneyPros at Your PF Pro