10 Smart Ways To Use Your Tax Refund

ways to use your tax refund

Are you expecting a check this year around tax time rather than a bill? There are lots of ways to use your tax refund. If you’re like me, you might be tempted to trade your tax refund for a big TV, dinners out, a gaming console or if you’re getting a particularly large sum, a vehicle.

Continue Reading10 Smart Ways To Use Your Tax Refund

Why I Started This Blog

Blogging is fricken hard.

Not hard as in it will make you break a sweat, but time-consuming, soul sucking hard.

If you have a blog of your own, you probably know what I mean.

It’s not enough to write posts and put them up. If you want your blog to grow, you need to be engaged on social media. You need to engage in the comments discussions on other blogs, keep on top of SEO, backlinking, networking, site security, design, email list blah blah blah.

Continue ReadingWhy I Started This Blog

Why I Drive a $500 Car

Driving a $500 Car

I am 32 years old, and I’ve owned more than 30 vehicles.

This includes cars, trucks motorcycles and scooters that have varied in quality from not-even-close-to-roadworthy, through to brand-new off the lot.

For the last year and a half, I’ve been riding a brand new motorcycle. I bought it off the lot and justified the expense as “worth it to have something reliable”. I also told myself that I work hard (which is true), and I deserve a new toy (which is not true).

Continue ReadingWhy I Drive a $500 Car

How To Get Out Of A Car Loan

how to get out of a car loan

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.

Trust me, that euphoric ‘new car’ feeling wears off after a few months, and making a car payment becomes a chore. In 2008 I financed a brand new Ford Ranger; It took about 5 months before my truck was scratched up and I deeply regretted that decision.

Continue ReadingHow To Get Out Of A Car Loan

7 Ways To Lower Your Electricity Bill

High Electric Bill

Why is my electric bill so high?

Being on the receiving end of a super high electric bill can be a frustrating experience. When you get your cell phone bill, the usage is broken down item by item so you know exactly what you did to cause the extra charges.

The power company can’t provide you with that data. They simply take a reading off of your meter and send you a bill. This can leave you mystified as to what you’ve done to cause the extra charges.

This happened to me recently. About a week ago I got the highest electricity bill I’ve ever had. It was nearly double what we normally spend. A typical power bill at our place is around $200 for two months. Still too much in my opinion but manageable.

Continue Reading7 Ways To Lower Your Electricity Bill

5 Reasons You Should Consider Living In An RV

My wife grew up on a farm. She’s always been surrounded by horses, chickens, llamas (I was never able to figure out why…), and open space. After we were married on her parent’s farm in 2009, we moved into a small basement suite in a nice neighborhood to start our life together.

Or so we thought. Turns out the basement was a bit of a dive.

Continue Reading5 Reasons You Should Consider Living In An RV

21 Bloggers Who Post Monthly Income Reports

Monthly Income Reports

Do you want to learn how to make money blogging? I sure do. And the best way to learn something is from somebody who is already doing that thing successfully. That’s why I love reading other bloggers monthly income reports.

There are people out there making boatloads of money from their blogs. People like Pat Flynn from Smart Passive Income and Lindsay from Pinch of Yum. These bloggers work like rented mules to get where they are and I appreciate that they put their income out there for the world to see.

Continue Reading21 Bloggers Who Post Monthly Income Reports

How To Negotiate On Craigslist

how to negotiate on craigslist

Living on a budget is what I’m all about. One of the cornerstones of living on a budget is buying things on the used market rather than buying new. There are a few things that should always be purchased new: toothbrushes, underwear and sandwiches are a few examples.

For most other things, you can get a way better deal on the used market, and there’s no better used market for most things than Craigslist. Learning how to negotiate on Craigslist is relatively easy. Most people are willing to be bargained with if you’re respectful and informed.

Continue ReadingHow To Negotiate On Craigslist

How To Deal With Unexpected Expenses

how to deal with unexpected expenses

As a relatively new homeowner, I’m still learning how to deal with unexpected expenses of the residential variety. Home ownership brings with it a higher level of financial risk than most other things.

Yesterday, I came home to a leaking hot water heater. I’ve been looking at the thing since we bought our house two years ago, knowing that it was well past it’s life expectancy. Somehow, I was still caught off guard when it started leaking last night.

Continue ReadingHow To Deal With Unexpected Expenses

8 Good Reasons Not To Buy A New Car

reasons not to buy a new car

So here you are, seriously considering purchasing a brand new vehicle. The truth is, you’re probably already looking at new cars. You may even be planning to buy one shortly.

You probably have a lot of friends that drive new vehicles. You’ve been in them. They’re comfortable, classy, sexy and probably destroying your friend’s finances for the foreseeable future.

Continue Reading8 Good Reasons Not To Buy A New Car