If you’ve read my post on 5 apps that let you save money while you sleep, you know I’m big on automation and easy steps to save and earn. I’m also HUGE on squeezing every little bit of savings out of everything I purchase, as long as it doesn’t take a ton of time. Just like Digit and Stash make saving and investing stupid easy for me, cashback rebate apps make getting the most money back out of every receipt a no-brainer. RELATED READING: 5 Smartphone Apps That Let You Save Money While You Sleep I’ve been operating in the “Cashback App” world for about a year, and it’s definitely a boom industry with more apps and different models coming on the market all the time. They basically fall into two categories: 1. Upload Your Receipt for cashback rebates on selected offers. 2. Link your credit/debit card and get…

Have you ever just been chugging along in life, reasonably happy with the direction things are going? Then, WHAM, something happens and you now have a financial crisis on your hands? No, we can’t avoid every catastrophe that is going to cost us a pretty penny. Job loss, a medical emergency you can’t cover, a destroyed car, flooded home, these things happen to people every day. We can minimize our risk of financial ruin by not stacking the deck against ourselves. There’s no way to sugarcoat it. Sometimes the biggest contributors to our financial downfalls are not the incidents themselves. It’s the habits that make them possible. Here are six common habits that can financially ruin you. Habit #1 – Uncontrolled Spending Spending is the most obvious habit that puts folks in dire financial straits. It’s no wonder, too! Our culture encourages frivolous spending. The marketing industry, media, and movies…

A single person’s budget is a beautiful thing. It’s free of the need to compromise with others or consider another’s perspective, or even account for their actions. And at the end of the day, you and you alone are at the center of it. A couple’s budget . . . that’s another pot of gravy.  A couple’s  budget is fraught with hidden complexity and emotional tripwires. It can be rough going, but so worth it for those who can successfully manage their money and their relationship.  Budget-savvy couples know how to navigate the landmines and find the balance between their finances and relationships. 1. Communicate Consistently Not talking is an absolute killer of couple’s budgets, and the conversation needs to extend beyond the budget’s initial creation. Schedule regular check-ins with each other to discuss your financial state and find out where you are in your budget for the week or…

Going through your adult life without having some concrete goals is a lot like sailing a ship without a destination. You have no idea where you are going, and little say in where you end up. What’s worse, the longer you stay lost on your finances, the harder it will be to course correct when you do finally set some goals. Now, you may have some vague ideas about where you want to be in 5-10-20 years time, but until you have made these ideas into true goals, they are really just wishes. Without a destination, all the tips and strategies in the world are useless. Setting goals are the first steps to taking control of your finances and from there your life. Real goals include actions, some sacrifice and usually changes to how you have grown accustomed to doing things. Fortunately, there are a few goals you can…

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