A Side Hustle Can Fix Your Budget

There are lots of articles written about cutting expenses in order to make your budget work. But there is an alternative. You can make more money to achieve the same desired result! Getting a side hustle, and bringing in more money each month, will correct the deficit of your budget just as quickly as spending…

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Should I drain my emergency savings because of coronavirus?

First off, congratulations for having an emergency fund! Approximately 25% of Americans couldn’t cover an unexpected $400 bill, let alone a month of expenses. To answer the question of whether or not you should drain your emergency fund because of coronavirus, that all depends on your situation. Do you need to drain your emergency fund?…

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How to Break the Paycheck-to-Paycheck Cycle

It can be so frustrating when you have more month than money! Everything is a battle and a challenge, just living day to day. The trick to getting out of that cycle is to make a plan for every single dollar. If you decide where you will spend your money before you receive it, you…

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How to Start Couponing

Using coupons can be a great way to stretch your grocery budget. Whether you save $2.00 or $25.00, that is money that you can put towards your financial goals. It’s easy to get started, according to The Krazy Coupon Lady. What to Buy with Coupons She suggests when you are starting out, focus your energy…

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How to Apply for SNAP Benefits

The Supplemental Nutrition Assistance Program (otherwise known as SNAP) is a state-run program. Each state has its own process for applying. You can go to your local SNAP office, or some states even allow you to apply online. If you aren’t sure, you can call the SNAP toll-free information number: 1-800-221-5689. Each state has its…

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How can I save on a fixed income and disability?

The key to saving is quite simply, to spend less than you make. This works for all incomes, whether it’s from a job, retirement, or government benefits like disability. If you are spending everything that you have each month, then consider checking your spending for a leak in your wallet. When I say “leak,” I…

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What is a Health Savings Account and Should I Open One?

If you have a High Deductible Health Plan for your health insurance, then you are eligible for a Health Savings Account (HSA). You can use HSA funds to pay for qualified medical expenses. These expenses can be incurred by you, your spouse, or any dependents listed on your tax return. There is no need to…

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What’s the Best Way to Pay Off Debt?

There are a couple of ways to get out of debt and back on track with your finances. Let’s walk through some straightforward steps together! Start with Budgeting Basics To start with, make a budget. Total up all your monthly take home pay. Next, start to subtract all of your expenses. You will want to…

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