Category Archives: Personal Finance

How Can You Really Save Money?

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Life moves on so fast and you are likely to be victim of daily routines such as getting your morning coffee at your favorite place, then there is quick visit to lunch place, then there are many quick breaks during the day from stress. What you may not realize how you have become a victim to your loose spending habits. So much so, you may not have enough money to cover a major expense unexpectedly.

Many Americans are financially stressed? According to a survey by Bankrate, almost two-thirds of people (including 46% of those making more than $75,000 a year) don’t have enough money to cover a relatively small unexpected expense, like a $500 car repair. It is true that stagnant wages and rising costs for health care, education, and housing are big reasons why many people can’t get ahead. However, you are also a victim of your small-scale every day.

The Bureau of Labor Statistics data indicated that the average American household spends $55,978 per year. Forty-four percent people admit lifestyle purchases – like dining out, spa treatments, travel, and movie tickets – keep them from saving less than they should every month. Then there are those throwing money away on little luxuries, like that extra glass of wine at dinner or new pair of designer shoes. Amazingly, many people are also wasting precious dollars on essential purchases by failing to shop around for insurance, hitting the grocery store when we’re hungry, and making other simple spending mistakes.

Saving is essential if you are unable to increase your earnings. If you want to be proactive, then it is time to take a close look at your spending. There are few ways you may be wasting your money that you may not have realized. The major step in your financial security lies in minimizing your unnecessary spending.

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Cable Subscription

Ditching your cable company to another alternative service will make substantial dent in your monthly obligations. There are streaming services like Netflix or Hulu, which cost between $8 and $10 a month, can help you fill the TV void in your life, and you also can buy stand-alone episodes of your favorite shows from Amazon, iTunes, YouTube.
You are likely to save- $99 per month, or $1,188 per year

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Credit Cards

According to NerdWallet, the average household has $15,310 in credit card debt. That means $191 is paid monthly towards interest alone. If you make the minimum payments, it will take you decades to rid yourself of the debt and the expensive interest charges. You will need to take aggressive approach to pay the credit card debts.
You are likely to save- $2000 or more per year

Smoking and /or Happy Hour Visits

You are aware that smoking and drinking is not good for your health. They are causing you substantial financial drain. If you smoke a pack of cigarettes average cost $6.28, you are spending about $2300 per year. Then there is a weekly escape to happy hour from your stress at work. It is not unusual to spend as much as $30 per each outing, amounting to $1500 spent per year. These habits are not draining your wallet but they may be contributing to your health expenses.
You are likely to save- $3000 or more per year

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Branded Coffee Routine

Over the years coffee has become expensive and necessary indulgence thanks to effective marketing by major outlets. It is not just coffee anymore but vanilla lattes, caramel macchiato, etc. It is estimated that average person spends about $10 per day for coffee at well know coffee outlet. That is over $3000 per year just for coffee. If you start brewing your own coffee at home you will realize substantial savings.
Potential savings: $3000 or more per year

Impulse Shopping

One of the major reasons the credit card debts is increasing you making impulse purchases. According to, people spend more than $100 on impulsive purchases. These impulse purchases occurred at the retail stores. Now the impulsive purchases are even higher thanks to online shopping. Unfortunately, impulsiveness can’t be eliminated but you can make your access to credit cards restrictive so you can avoid purchases from impulse shopping.
Potential savings: $1,500 a year or more

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These are just few examples where most Americans are wasting hard-earned cash went. It is time to take a close look at your spending to determine your own budget leaks. By plugging your stubborn budget leaks, you could be able to increase your savings and your financial security significantly.

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Don’t Be Victim of Financial Cheating

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Many changes on social and financial fronts have been occurring over few decade, yet when it comes to relationship, importance is only highlighted in physical and emotional cheating.  There is new frontier emerging in a relationship- less talked about and harder to spot- financial infidelity.  In essence, your partner is financially unfaithful- hiding purchases, hiding bank account, hiding cash, having credit card(s) which you know nothing about. (See Is Emotional Cheating Worse Than Physical Cheating?)

Impact of physical and emotional cheating can have lasting impact but can be overcome.  You have option of getting over and improvise for better tomorrows that lie ahead.  But financial cheating can have bearing on your financial aspect of your life which is likely to linger for a long term.  It could ruin your credit thus potentially harmful to get loans or a new job in the future.  Your financial security may   totally disappear.

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According to recent survey in Smart Money, the number of people who are financially unfaithful is on the rise. Among those couples who have ever combined finances, two in five (42 percent) have committed some sort of financial deception.  Among those who have committed financial deception, and/or whose partner did, 75 percent said the financial deceptions affected their current or past relationships, with over a quarter (28 percent) saying it caused less trust in the relationship.  About 32 percent of the survey recipients preferred some aspects of their finances remained private from their partner.

Ironically, money is number one stress factor and yet financial infidelity usually goes unnoticed. Eventually the unassuming partner finds out a bank statement, a questionable purchase, or the like.

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In a two-income family, it is likely that one (or both) partner want to use the money without being questioned. Not only does partner(s) set money aside secretly, but often they hide the fact the money exists at all. It may seem harmless at the inception of the relationship.  But it is a sign of financial infidelity- it’s the secrecy that really harms the relationship.
Most people do not consider financial state important part of their relationship.  The good foundation of relationship is possible if both partners establish financial boundaries and expectations.

Be Ageless Forever

Being open and honest about your finances doesn’t mean you have to pool every penny earned, or consult each other on every purchase made, though.  There are many ways couple can maintain financial harmony.  When it comes to money, people tend to be territorial. In the long run, it is never a good idea to comingle funds.  In a practical world, the financial existence of one partner need not be dependent on another because one never knows what can happen in the future.

Simply, to retain harmony and independence it is best to each one has separate account and one joint account for family related expenses.  It is recognizing that both partners are dependent on one another and yet independent on their own.  It is a concept not fully utilized- Intra-dependent.

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Enviralizer Review –Marketing Tools and Money Maker

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No matter how much money you are currently making it is never enough.  Somehow, there are more bills than what your paycheck can cover.  This is dominant phenomena for most wage earners. Thanks to online business opportunities, now you can bring in additional revenues without modifying current lifestyle.

You need to realize that your additional cash flow is as close to you as your computer!  The Internet is full of all kinds of great residual income opportunities which can help really boost your yearly earnings and give you the money you need to make a difference in your life.

If you are newbie, you need to learn and earn simultaneously.  If you have some experience, then you can help by showing newbies how they can learn and earn.  It is mutually rewarding only if you are able to help newbie to start earning and you add another income stream to your business portfolio.

Join Enviralizer & Start Earning

There are so many opportunities emerge daily thus making difficult for newbies to choose the opportunities that work.  Enviralizer is great starter opportunity as it enables the members to learn and earn. As a member you get an access to powerful marketing tools that will help you build your online business.  That is the learning part.  By promoting Enviralizer to other newbies, you will earn and they will benefit by learning to do business just as you. That is earning segment of Enviralizer.

Your question will be, “how much does it cost?” Right!

If you want to be a business person, that is not the question to ask.  The question ought to be, “what do you get out of it and how much you will make?”

With Enviralizer you have access to marketing tools that can help you build an online business (how to use Facebook, Twitter, Skype, and WordPress…). That itself is worth more than the cost of the membership.  There is no guarantee with any business how much you will make.  In that sense Enviralizer is no exception.  However, with each member you bring in you get $20. You can bring in unlimited members.

Join Enviralizer & Start Earning

So, now let me get to your original question.  The cost is ONE TIME $25.  But check out the value of the system.  You will learn how to make money.  Then you will be rewarded to help others to make money.  What makes this as a great opportunity is that this is a great starter program.  When you help others to get into other money making opportunities, most of them are likely to follow you.

You access to a Social Media and Internet Marketing Training Library of digital products.  These products help you to improve your skills in online marketing and related activities.

The products are:

  • Facebook Marketing Suite: Methods to post on Facebook and make more sales and more signups to your offers.
  • Video Training Course: Methods to get more likes, views and comments. Plus a list of popular video sites to boost your rankings … you also learn how to get paid to share videos.
  • WordPress Hero: This is a video training series consisting of 11 easy to follow, step-by-step video tutorials that will show you how you can get started using WordPress.
  • Copywriting 101: You will learn how to write, by adjusting the way you mold words into the hearts and minds of people.
  • Twitter Marketing Secrets: You will learn marketing secrets to help you gain your reputation, build bonded relationships, and attract massive traffic to your website.
  • Skype:  You will learn to utilize the power of Skype Marketing as a way to establish yourself as an authority figure where you let your clients help you to recruit new clients for your business.

Join Enviralizer & Start Earning

It must be understood that Enviralizer is not designed to be your prime online biz opportunity.  It is great feeder program- stepping stone to build your business portfolio.

Here are the highlights:

  • In order to qualify to earn, your first member is passed on to sponsor.
  • Then you get $20 for each referral.
  • Your earning potential is enhanced as each one of your referrals first referral is passed on to you.

Overall, Enviralizer is a good feeder program.  It provides a quick shortcut to learning a few online marketing strategies that has proven to work for the founders and creators of the training platform.  The cost is reasonable and it provides knowledge that is worth more than ten-fold.


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More Checks Less Bills 01

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You may have realized that cutting back and tightening is not that helpful in having extra cash at the end of month. What you will need to do is have a method or means to have additional paycheck(s). You may want to consider a Plan B. What is Plan B, you ask.

Your Plan B will be a system that will generate additional cash flow (paychecks) to your regular income flow. How does one do that?

You can’t count on inheriting a pot of money or winning a lottery, entrepreneurs create most of the wealth in the country. There are plenty ways you can start your business online without costing you large cash outlay. The most important thing you need to note is that you will need to devise a system that will generate a cash flow for you on a regular basis. Here are some ways you can start now!

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Free $5 For Small Investors

The best way to make money is to make money make money for you. You do not have to be wealthy. It is not restricted for wealthy only.

There is app that enables you to start investing with as little as $5 for just $1 monthly fee (with first 3 months free). You can open account here.

Stash selects investments from professional fund managers and investors and lets you choose where to put your money. You just choose from a set of simple portfolios reflecting your beliefs, interests and goals.

Bonus: Right now, The Penny Hoarder is teaming up with Stash to match your first investment — so you’ll get an extra $5 to get started!

Make Money With Your Car

Are you making car payments? How would you like to get money to pay for your car? You can by using your car, really.

Using your car and your smart phone to find the best route across town, you may be able to add to your regular monthly income. It’s helping people reach their destination.

As an Uber contractor , your earning will be based on a base fare, plus time and distance traveled after your pickup. You set your own schedule.

There are very few requirements:

  • Over 21 years of age
  • 3 years driving experience with clean record
  • No criminal background
  • Four-door car registered and insured

Be Ageless Forever

Helping Doctors Find Cures

Did you ever think that medical testing can lead you to make good money? You will also contribute to medical research in finding cures. There are people who made as much as $12,000 from participating in sleeps studies. If you have one of these ailments, you may be able to earn money- migraines, psoriasis, cluster headaches, rheumatoid arthritis, and Crohn’s disease.

You will need to fill in a questionnaire with a valid phone number and see a study doctor to see if you are eligible, and complete the study-required visits, before you’ll be compensated for participating. Check out one of the sources here

Get Paid To Be Political Activist

Do you think that currently country is divided? Why complain only? Would you like to earn money while being political activist? If you are savvy enough, you can be on both sides of any major issue and earn even more.

You can make $12 to $15 an hour writing letters to members of Congress. You’ll be able to learn more about the issues available before committing to writing a letter, so if you want to stick with your own political views, it’s easy to pick and choose.

The advocacy groups, such as Next Wave Advocacy, LLC and DDC Advocacy, run grassroots political campaigns on issues such as healthcare, energy, defense and taxes.

They hire people (which is where you would come in) to call constituents or advocates, folks who might be interested in the issue at hand. Your job is to help those people communicate their opinions by writing letters on their behalf to Members of Congress.

Be Ageless Forever

Get Paid To Take Surveys

It is possible to make $50 for a 10 minute survey, really.

You will be taking surveys on the internet and getting paid. Of course, every survey is not going to pay you. You will need to know the best survey companies to work with. Big companies around the world need people just like you, to voice their opinions about their product… and, they’re willing to pay you for your time!

You can get the list  here.

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Rely On Job for Paycheck Not Your Financial Freedom


Toughest puzzle for you may be having is creating work-life balance and financial independence.

You work 40 hours a week. Get vacation as allocated by the employer. Depending on your financial situation, you may not have money to take vacation. For some of you, you are so bogged down at work that you work through your vacation time in the hopes of better times ahead. But better times rarely come.

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For many with family constraints may require them to spend more time at home and thus sacrifice career growth. For those opt for career growth, they have to sacrifice family life hoping that family will accept that. Of course, many folks try to maintain a balance between home & office.

You need to modify how you view your job. You get a salary to do 40 hours of work per week. You must come on time at 9 am and work efficiently to plan & finish it by 6 pm. You must try to do your job in the best possible way. But you must not sign up for more work than what you can deliver. You must recognize and accept that 9-6 work will only help you “earn” your salary.

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The key thing to note is that you do not need to choose between work and family life. The main reason you get into such a bind is need of additional revenue during the course of daily routine. The solution, though not easy, is to have alternate resources of revenue.

If you really want a good growth for you and your family, then you need to spend some more time building your own business. Dedicate extra time (such as 6-9 pm) to start, establish and expand your own business. Interestingly, you are able to get into business venture(s) without sacrificing any family life thanks to online opportunities.

Start Business For Only $1 

Simply put, you need to work 9 to 6 for salary and work 6 to 9 for building yourself.


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Boost Your Income


For most people, their paycheck is less than their monthly expenses.  Often cutting back expenses may not be answer.  The logical solution is keeping expenses constant (or reduce, of possible) but increase income.

According to a recent study by the Federal Reserve, men were less likely to earn raises after age 45.  It does not matter what your age or gender, taking financial future into your own hands. The strategy is to increase your monthly income.  The extra earnings need to be used for paying off credit card debt or putting a little extra in savings.  Whether you are 16 or 70, here is how you can make little more money each month.

Taking Pictures

How difficult is that? Not very difficult, especially if you have a smartphone.
There are various apps you can download.  You down load the app. (Most of them are free.)  You sign up for an account.  You take a quality photo (even videos).  You upload photo to the app’s marketplace.  You upload photo to Foap’s marketplace. Someone buys the license to your photo for $10. You make $5.  If your photo sells twenty times, you make $5 each time and end up with $100 in your pocket, all for about 5 minutes of work.  Of course, as you get good at it your earning potential will increase.

You may want to consider taking pictures at special events such as graduation, receptions, and office parties. Most people can’t afford to hire professional photographers.  There is your market.

Get Paid Taking Photos

Home-Cooked Meals and Treats    

Many young folks do not have time to cook but they crave for home cooked meals.  You could make great money selling home-cooked meals and baked goods.  There is demand for specialty or ethnic foods.  Of course, people can pick up food from restaurant, but nothing like home -made food.  In addition, home- made food offers good and healthy quality.

Cleaning Homes

Not very appealing perhaps, but cleaning homes can be financially rewarding.  Most people do not have time or do not like to clean, but they are willing to pay for it. If you live in an area where there are townhouses or single family homes, you easily earn about $150 to $200 per house.

Make Money Driving

Really, can’t get any easier way to make money than driving folks around.  You will need to have a driver’s license to make money driving passengers through Uber and Lyft.
Beware, initially you will go through detailed application process, so your car has to be a certain age and your license has to be up to date. If you qualify, you could fit shifts around other commitments and make excellent money, especially on busy weekend nights. One Uber driver turns her car into a salesroom for her beauty products claiming to make six-figure income.

Taking Surveys

There are a number of websites that will pay you to listen to the radio, read advertiser’s emails and take surveys. Be sure to investigate the companies before you join them. You may want to check Inbox Dollars. It’s free to join Inbox Dollars and best of all; they give you $5 just for signing up. They’ll even pay you up to $120/year just to listen to their radio station.

Earn Cash Taking Surveys

Writing Slogans

Don’t think slogans are only meant for politics. Companies sometimes need new corporate taglines, advertising slogans and jingles. Bumper sticker and greeting card makers want cute, endearing or funny thoughts to put on their products. When businesses need help, they sometimes collect submissions from freelance writers or run contests that anyone can enter — including you!

If you can sum up a product in a sentence or think of something funny or make a point in few concise words, you might be able to make money writing slogans.

Earn Writing Slogans

Social Media Specialist

If you know social media such as Facebook, LinkedIn, Twitter, etc. you have potential to earn extra. There is huge potential here.  Look for small business entities in your area as they may not have social media presence.  You can offer to manage their social media activities.  They will be thrilled, especially if their business enhances.  You can charge as little as $100 per month.  If you manage to get just 10 accounts, you will be adding $1000 per month to your monthly earnings.

Make Money As Social Media Specialist

I hope I have made it clear that you definitely aren’t limited by age or experience when it comes to boosting your monthly income. Furthermore, many opportunities can be done from your home without affecting your daily obligations. However, you will need strong will to make it happen.

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American Household Is Getting Poorer


Election season is on the horizon and the current administration theme for the election season is economic inequality.  The administration states that the rich are getting richer.  That may be true but in reality the typical American household is getting poorer too.

According to Russell Sage Foundation study, the inflation-adjusted for typical household net worth was $56,335 in 2013 whereas in 2013 the net worth was $87,992.  That represents 36 percent decline.  The net worth for typical household has been increasing till the last recession in 2007.  But since then typical household has experienced a downward spiral.  The state of the typical household does not take into account the losses incurred as a result of the devaluation of the value of their dwelling.

Despite the downward trend for typical household, the administration insists that the economy is getting better.  The reality does not indicate that economy is getting any better.  According to a new report that was released by the U.S. Census Bureau, median household (adjusted for inflation) has declined substantially for five years in a row.

Economic situations for average American families are not getting better despite all of the emergency measures taken to stimulate the economy.  Furthermore, the current administration has been borrowing and spending money at an increased rate than ever.  The administration insists that inflation is low even though the cost of everything just keeps going up.  However, if inflation is calculated based on the way it was calculated in 1980, the current inflation rate is between 8 to 10 percent.  Every American family is impacted by the current “inflation” as their paychecks are being stretched more than ever before.

Is it any wonder then why about three-fourths of the United States is living paycheck to paycheck?

You Don’t Have To Live Paycheck to Paycheck

And yet, the current administration insists that things are getting better.  Really!  One out of every five households in the United States is on food stamps.  The state of the nation is not better when 20 percent of the population is dependent on food stamps.

It is true that rich are getting richer, but rich may not be totally responsible for the ills of the economic state of the United States.  Realistically, the country has been witnessing the systematic degradation of the middle class over the past decade.  Shockingly, after accounting for inflation, right now 40 percent of all workers in the United States are making less than what a full-time minimum wage worker made back in 1968.

If You Like More Than Two Paychecks a Month…

The reasons for the continuous decline may be complex and controversial.  One can only hope that the slow and steady and economic decline will not continuously linger and result in a full-blown catastrophe.  But one has to wonder that when only a few people are winning and more than half the population is losing, it is time to set politics aside and do what is good for all American families.
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