When you’re trying to support a family, it’s important to make sure that you’re saving money wherever you can. There’s really no limit to how much you can save. From your food budget to your cable, internet and transportation costs, there’s always more that can be done to trim.
Saving money is probably my favorite topic on Ninja Budgeter. I’m passionate about making the most of what you have, and I write about it a lot. If there is something specific you would like me to cover in an article please don’t hesitate to reach out to me through my contact page.
Here are a few of my top articles about saving money:
45 Brilliant Ways To Save Money Right Now
5 Killer Savings Tactics To Help You Reach Your Goals
How To Automate Your Finances To Help You Save Money
Choosing to buy a used car rather than a new one is a wise financial decision for most people, but there are several things to consider. A used car has a history, it may have been mistreated, or even crashed. It could have been broken into or stolen.
Don’t stress about it though, there is a lot you can do to make sure that a used car purchase is a good deal.
I also asked my Twitter followers what they look for when buying a used car and have included some of their answers below.
Want to know what to do when you’re behind on bills? I’ve been there! Keep reading for some helpful ideas for how to get back on track.
The year was 2009, and I was drowning. Not literally, I was drowning in debt. I was newly married with student loans, credit card debt and my personal favorite, a $25,000 loan for a pickup truck I didn’t need.
I was barely keeping my head above water when I got laid off from my job. Not permanently, but for the winter as there was no work. Deep in debt with no work, it wasn’t long before I realized that I couldn’t make my car payment the next month. I was going to start falling behind on bills and didn’t know what to do. I was in major trouble.
Are you stuck in these millennial money traps?
We millennials don’t have the most pristine reputation when it come to managing money. The reality is that for many of us, the reputation is well-earned. There are more millennial money traps out there than ever before. We live in a time when access to pretty much anything we could ever want is a just a credit application away.
Getting on a budget is absolutely essential for your financial well-being. There is no better way to keep track of how you’re spending the money that you make. Budgeting helps you prioritize the things that you really need to pay for, and the things that you want most.
But even pro budgeters sometimes miss things that should be in their budget. In this article, I’m going to walk through 15 things that are commonly missed when putting together a budget. Make sure you’re budgeting for these expenses!
Most of us love Christmas right? The music, the tree, the traditions etc. For many people, it’s their favorite time of year. The problem is that sometimes that holiday enthusiasm can find it’s way onto our credit cards.
Let’s face it, Christmas can get really expensive. I don’t know about you but we’ve had years where we were paying down Christmas credit card debt well into the new year.
Hands up if you like planning your summer camping trip while you’re still paying off Christmas debt?
*Crickets*
I like the dollar store as much as the next guy. Some things are just better bought super-cheap. Napkins and plastic cutlery are a couple of good examples.
Most of us want to use our money wisely, but that doesn’t mean always buying the cheapest version of everything. Sometimes, the cheapest thing that you can buy will cost you more in the long run. There are times where it makes more sense to invest some extra and buy a higher quality item that will last longer and add more value to your life.
If you need to get rid of a car payment, I feel you. As embarrassing as it is to admit, I’ve actually been through this twice… *facepalm*
The day you financed your new car, it probably felt like a great idea.
Do you remember the new car smell? That was probably part of what drew you in. That mixed with a savvy salesman and the alluring idea of years of maintenance-free driving.
Quick financial wins is a major focus here at NinjaBudgeter and one of the fastest way to trim from your budget is to lower your cell phone bill.
Here’s the deal: the cost of cell phones is getting out of hand. My family is now up around $170/month, and that’s just my wife and I! It’s only going to go up as our children get older and need (or want?) phones of their own. My frustration with the constant price increases led me to do a bunch of research on how to reduce my monthly cell bill.
You don’t have to know a lot about the inner workings of a modern vehicle to save money on car maintenance. A little bit of knowledge about the industry and being willing to get your hands dirty can go a long way toward saving you money on maintenance though. The 15 tips below are a great place to start putting more money back in your pocket.
Do you feel like your financial situation is hopeless? Are you unsure where your money is actually going?
If you’re struggling with money, the first thing that you should do is get yourself on a zero based budget.
Budget? Most of us are excited to budget like we’re excited to stop barefoot on Lego when we get up to pee at 2am.
Take a deep breath, and stick with me. It doesn’t have to be complicated. In fact, you could write up a simple budget on a piece of paper on your lunch break.
In my opinion, the best system is zero-based budgeting. Whether you’re using plastic or cash, it’s the simplest way to get your spending on-track.