10 Daily Purchases That Hurt Your Budget as Much as Morning Coffee

You've probably heard people talk about how buying a daily cup of coffee can drastically hurt your finances. Some refer to this as the latte effect. A daily cup of coffee would cost you anywhere between $15 and $25 a week. That amounts to about $1,000 per year (assuming $20/week at 50 weeks/year NOT accounting for lost opportunity cost). However, buying that cup of coffee isn't the only da [...]

Drawbacks of Tiny House Living

Buying a tiny may be financially wise. A tiny house usually results in tiny house payments - or even no payments at all. But what about the drawbacks? According to CNN Money, the average house size in America is growing rapidly. During the pre-2008 recession era, houses were being built to about 2400 square feet. Today, the average house size has actually increased by 200 feet! It definite [...]

Tips Wanted- Weekend Garage Sale

Hey everybody! One of the things GF and I like to do, that literally costs nothing, is we go to our city library and check out books. On our latest trip, I happened to pick up a book called "Stuffocation" by James Wallman. While not necessarily the best book out there, it does discuss whether or not we are living with too much "stuff" and how we can overcome it. While reading the book, I often [...]

The Mango Visa Prepaid Debit Card... Which Offers 6% Interest!

Yes, the Mango Prepaid Debit Card gives 6% interest for funds held in the complimentary savings account (at First Bank & Trust). This high interest rate pales in comparison to traditional savings accounts. 6% is completely outrageous for 2015! It's definitely not a hassle to attain. And funds in both the card and the savings account are insured by the FDIC. Let's see if this card is right [...]

10 Money Mistakes to Avoid When You Travel

Traveling should be fun and/or relaxing. Financial headaches can destroy a trip in a hurry. Before heading out, make sure not to make any of these financial mistakes: 1. Not Telling Your Bank about Your Trip You should always notify your bank before leaving. This is especially true if you're traveling overseas. Sometimes banks or credit card companies will see foreign transactions and think [...]

Killer Cooling Costs

How is it that every summer I’m completely thrown off guard by our ridiculously high electric bill? Given Tucson’s heat, our A/C is running constantly – even with our thermostat set to 80 degrees during the day and 76 degrees at night! I thought last month’s electric bill was bad ($209) but since we were gone for a full week at the beginning of July, I’d half-expected this month’s bil [...]

Ashley's July 2015 Budget Update

Happy August! Despite the terrible heat Tucsonians experience in August, it’s one of my favorite months of the year. My husband and favorite (only) sister both have birthdays this month. My girls’ original due date was this month (I ended up having them 8 weeks early – at the end of June – but they were due in August). And we get the most incredible monsoons in August. I love the sound of [...]

10 Ways Global Warming May Affect Your Finances

While some people who believe global warming isn't a legitimate issue to be concerned about, most economic and geologic signs point towards global warming. Many people believe that global warming only impacts the weather, but it actually will impact the economy as well. In one way or another, much of this impact may end up having a negative effect on your personal finances. Here are a few thin [...]

Chiquita Bananas Minion Sweepstakes Extended for Today Only! Tons of Prizes Left!

Extended for today only (July 31st, 2015) is the Chiquita Bananas Minion Sweepstakes! You can win tons of prizes - up to 4 prizes per hour. They include trips, towels, water bottles, and more. To get started, simply go to the minions sweepstakes page. If you're not ready to get started just yet, read this post to learn about the many ways to win. My favorite way to win is just by clickin [...]

10 Types of Insurance You Either Need or Should Strongly Consider

Not many people enjoy insurance shopping. Insurance policies use legal jargon that often makes the contract hard to understand. Sometimes the end goal doesn't seem to be worth the effort. After all, why would you buy a policy if you can't understand all the details about its coverage? Despite the downsides, insurance usually wise. Let's explore the 10 types of insurance everyone should consi [...]

In other news...

Totally unrelated to money, but.... The building I work in is super old. One of the oldest on campus (and our campus was built in the 1800s so...). Anyway, the elevator is ancient and moves at the pace of a snail. It's not actually broken. It's always that way. But I think people often panic by how slow-moving it is and think the elevator is broken and/or they're stuck in it. There's an alar [...]

Back to School

How quickly the summer has flown by! Even though it doesn’t feel like Fall yet (and I guess technically its not for another month and a half!), the Fall semester is soon upon us! This month is going to be a little on the pricy side for childcare. Our current childcare facility (the JCC)’s last day is on July 31st. They close for a week for teacher planning before the next school year begins [...]

18 FREE Redbox Movie or Video Game Rental Codes - July 30th, 2015

This post gives the many, many ways to get free Redbox rentals. There are so many ways in fact, light movie watchers never could go all year without paying for a rental. Talk about another great way to save on entertainment! Let's get started counting to 18. 1. Signup for Redbox Notifications After you confirm your email, Redbox gives you a free 1-day DVD rental. This is also handy becau [...]

Staying Cool is a Breeze

Every night I listen to the air conditioning click on and off all night.  I turn it down to 68 at night because I can't sleep when I'm hot.  But every time I hear it click on lately I've been starting to panic about our electric bill because it's been running ALOT! On top of that, without a programmable thermostat, I will often forget during the day to turn it back up for just can't stand the [...]

Focused on Housing

All debt pay off is on hold for this moment as I focus my energy and quite possibly my money on our housing situation.  We were SO close at the beginning of this week to making a decision and making a move, but in the end I backed out. I have all channels open in the housing search and am giving myself until Sept 1 to make a decision.  Here is where we are at: House to Buy I have qualif [...]

Coinstar Fees (and How to Avoid Them)

What is Coinstar? Many banks nowadays don't accept coins. Many other banks will accept coins but they take a fee for sorting them. It's a bummer but hey, at least some banks still offer good interest rates. But even as our society gains digital momentum, becoming fully digital just hasn't happened yet. Many of us still find change ratting around in our pockets at the end of the day. Luckily, w [...]

Credit Card Churning - What is it? Is it ethical?

Credit card churning is the process of signup up for credit cards, reaping the signup incentives, and then discontinuing use. Doing this usually requires high spending, lots of planning, and organizational skills. Most cards typically offer signup bonuses to those who spend a certain amount in a certain period of time. Credit card companies offer these incentives so big spenders will choose [...]

Possible to Pay Your Mortgage with a Credit Card? Yes.

Racking up credit card rewards can be exhilarating. It's free money and it's yours just for being smart enough to take advantage of the free money. Lots of people chase credit card rewards. There are countless blogs all over the web about real people who actually get a bump up in life just from using credit cards wisely. Yes, there are many families out there who are getting free summer vac [...]

My Thoughts About My Month Off

I hope everyone is having a fantastic start to their week, even after the bad news we all got (Ashley's Father). Ashley- if you're reading this, my heart goes out to you and your family during this time. Writing this post seems pretty trivial after this weekend, but now it's nearing the end of my month off from paying off any debt, I want to provide everyone with my what my feelings have been [...]

The Highest Yielding Savings Account in America...

According to DepositAccounts.com, this is the highest yielding savings account available in the United States at 1.25% APY. It's also a no fee and no minimum savings account. Basically, if you're in search of the highest-yielding savings account available, you just found it. It's the MySavings account from MySavingsDirect bank. Until recently, I wasn't familiar with this bank either. Bu [...]