Mine would be lowering our electric bill. One thing we need to do is not run the A/C so much. I guess we have to much stuff plugged in. Our electric company keeps sending us mailers saying we use more electric in our area than 100 neighbors in your area. I wonder if that is true or not. I don't know my neighbors enough to ask.
Although I had a good paying career disability just doesn't cover it. And because of the disability I am unable to work. Even from home and I've found your links are pretty much just advertisements once I read the reviews.
Although I am not the worst when it comes to impulse buying, a lot of times I go to the store without a clear plan and end up with things I don't need or did not plan to purchase so for me, eliminating that would be awesome!
My impulse buying is so hard for me to control. I often buy for my grandkids. If I have extra money sitting there or I find a great deal I have a hard time just putting the money in my savings. I used to have a really good paying career, achieved all my goals then tragedy struck and I lost everything and went on disability unable to work. I lost everything. So for a number of years, I went without now that I make extra money on the side hustles I feel so driven to have things I want or may...
Try secret shopping as a side hustle. Spread it out over many companies and you don't make enough to generate a 1099 at the end of the year to mess up your disability pay. I was making over $1000 a month when I was doing it. They have easy jobs. Just google secret shopping.
I stay out of Walmart because there are so many cheap deals. I check them out online and comparison shop against Amazon. After the work you are less likely to make the purchase. But in the store is a losing battle.
A Shirley, getting my electricity down was a goal of mine. It was over $100. I have it down to $47. I don't used heat or air conditioning. I am not even using the ceiling fans. I don't use the microwave. Rarely, do I watch TV. Two of my kitchen lights went out, and I have three. I did not replace the bulbs because I can see with one light. When it gets really hot, I will either use a fan in the room I am present in or turn on a ceiling fan. There is a nightlight in my bathroom...so I don't...
I'd love to be able to go to a store and just get only what I went there for, without it being hard for me to do so. Not that I come out with crazy things, they are things that I need but may not have budgeted for. Delayed gratification can be tough.
You could do that. Give someone you trust a $20 bill. Tell them you get it back if you can spend one month following your grocery list. You can make a competition out of it. You are competing with yourself. The longer you do things like this, you more you will not even have to do it. It will become a habit.
I struggle with no being an income earner in the household. Because we have a child with a medical condition, I don't work outside of the home. I do lots to save money & run the household. Tax wise, it isn't worth it for me to do side hustles or work part-time. I do know that I contribute a lot to the household & family.
Has everyone gone around an unplugged appliances lights that are only used occasionally... Phantom electrical usage could you drop your electric bill even lower clear... I was told years ago buy an Electric Company representative to do this and I did and the next month I had a savings of $35... My husband was skeptical until that bill came in but quickly became excited!
There are a lot of mystery shopping companies that you can do tasks online or over the phone! just google mystery shopping.I am signed up for about 200 companies but have scaled back because you need to stay really organized and keep track of everything. Have a separate folder for each task is helpful. Try IPSOS, GFK, summit scheduling, ath power, Reality based, About Face, Alta 360..
Many side hustles don't report income until you make $500 or they pay in cash or trade. Secret shopping, buy and sell on Marketplace, letgo, Poshmark, Thredup. Waitressing for a few hours that pays tips. I have never found a side hustle to disrupt my disability or tax situation except straight out part time jobs such as taking care of elderly or disabled family or babysitting or I worked for American Greetings and Hallmark stocking cards. Its all a few hours a week. You can negotiate pay.
I started a new role making pretty decent money now. I would like to pay off most of my credit cards. All except one are under 3K so it should not be hard. Also, want to start banking more money and investing more. I currently use Stash, and will be increasing my pay in amount.
As I got the bankruptcy mark off my credit report, I am planning to continue to eliminate my debt without losing my credit limit level. I would love to consolidate all debt into a single loan with a single payment if I could not lose any credit cards by them (the credit card company) closing the accounts if I don't use the account. It's a dual-blade problem. I am holding off on the consolidation idea and will stick with the snowball payment versus the avalanche attack because I am living...
Please don't beat yourself up over not being an "income earner." What you do for your child is more important than money. And the money you save from not having to hire an outside caregiver counts as "income."
Currently beginning a new job search after being out of the work force for several years. As for the next 6 months, hopefully if the job search is quick and results in a good paying job, I'll be able to move on from where I am now, who knows? I've learned to be open to what the future may bring as things can change quickly.
Hey, nobody's perfect when it comes to their finances – and that's OK. But with Financial Literacy Month on our minds, there's no better time than today to start learning about and finding solutions for common financial mistakes. How many of these mistakes do you make? Are there any not on the list? Related content from The Penny Hoarder: 5 Times You Need a Financial Adviser Study: Lack of Financial Literacy Means Less Income and Savings _____
don't get me wrong i pay off my credit card in full every month. however i know that i am doing senseless spending. what i need to do is give myself an amount to spend in a month and when it reaches the limit I have to stop. easier said than done, never the less i am aware and will work at it...good luck to me 🙂
Another thing I do is instead of pacing how I spend my personal cash allowance (for frivolities) for a 2-week period, I tend to spend it all right away. It's like I think I'm going to lose it or it's too hot for my pocket. Thank goodness I put money in savings first and don't violate my gas and grocery allowance fund. I'm a weakling with cash 🙄 .
I learned that I should not allow my husband on my accounts. We should have kept separate credit cards. Turns out he shops, while I save, but now I have debt that I do not want. I am working on paying off and CLOSING those credit cards. Yes, he is aware and he understands. LOL We just have two different philosophies on spending.
My greatest regret is always having enough money to go out and play but not always enough to put into investments. A lesson I learned late in life, the magic of compounding, the 8th wonder of the world.
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