In today’s inflation-driven economy, finding the best online outlet stores is essential for consumers looking to save money without sacrificing quality.

What sets these outlets apart is not just their remarkable deals but also their commitment to customer satisfaction. 

Many of these stores boast return policies that are a breath of fresh air compared to traditional wholesalers or liquidators. 

It’s reassuring to know that when you shop at these outlets, you’re not merely taking a chance; you’re buying with confidence. If an item doesn’t meet your expectations or isn’t in great working condition, most of these stores offer a hassle-free return process that … Read more »

If you’ve ever wondered how to live on one income or whether your family can afford to do it or not, the following 5 email questions should help you get your answer.

1. One Income for a SAHM Wannabe

TABLE OF CONTENTS

1 1. One Income for a SAHM Wannabe2 2. Convincing Your Wife to Live on One Income3 3. Living on One Income When Illness Hits the Family4 4. Living on One Income after Bankruptcy5 5. Living on One Income, Drowning in Debt & No Fun6 One Income Wrap Up

First I would like to say … Read more »

Facing a financial crisis, job loss, or pay cut? Whether it’s due to the COVID-19 pandemic, inflation, or other challenges, you’re not alone.

Ever wondered if you could stay afloat if you missed a paycheck?

We’ve been there—job losses, pay cuts, career changes—and we’ve managed to stay debt-free. In this article, we share our journey and tips on how you can do the same. Dive in to discover our strategies for surviving tough financial times.

Take our 2024 Economic Well-Being One Question Survey Below

List of Economic Downturns

Over the past 40 years, we’ve seen a huge number of economic downturns. How many of … Read more »

If you’re building an emergency fund, you’ll want to set some savings goals based on the five-category examples in this article. We’ll give you emergency fund examples, amounts and categories.

If you’re managing a budget and have extra money available each month, you’ll want to take note of our emergency fund examples.

We took several years to accumulate our 5 category Emergency Fund Savings account. We’ll tell you what the categories are, how much we saved and where we keep it (it’s in a special high-yield bank account).

We’d love your input on our Medical Coverage Poll below – if you have … Read more »

If you’re looking for the best way to build financial confidence, try setting up a written budget.

We’ve spent the last few weeks describing different spending plans or budget systems.

We’ve described several options for budgeting success and the amazing key to our budgeting success.

Today we’re sharing five benefits to having a written budget like we use. And yes, we do understand that a written budget may sound less tech-savvy than using phone apps or online budget systems.

But honestly, most budgeting apps aren’t as usable as our system and the online (web-based) systems are very difficult to set up.

Our written … Read more »

Are you ready to learn about an amazingly easy budget-tracking tool? It’s the most unexpected, simple, and amazing key to an effective household budget ever!

We’ve got Budget Tracking secrets to help you become successful financially. 

Lots of people talk about household budgets at the beginning of the year. With the holidays quickly fading in the rearview mirror, we’re motoring at full speed into a new year, full of optimism and powered by new resolutions. While some cruise down that road with apparent effortlessness, others will hit speed bumps or have collisions with unseen obstacles. The road to resolution … Read more »

Why Budget? We’ve got six reasons why you should overcome your budgeting problems! One of the top two New Year’s Resolutions is to get personal finances in order. Many folks want to get out of debt or set up a budget.

But too often this resolution is made, and then quickly abandoned.

We’ve heard it, we’ve seen it, and we’ve helped many families to overcome it.

Any effort you make to manage your money will immediately start producing positive dividends.

We’ve created a four-part series that covers the benefits and “How To’s” of setting up a realistic, workable and maintainable household budget.

The Four … Read more »

Have you ever wondered how to cash a personal check when you don’t have a bank account? Or where you can cash a check right now and what the charges would be?

You might need to cash a check from a friend because you’re traveling out of state, or you could have an online bank or you may simply not have a bank account at all.

If someone writes you a check and you don’t have access to your own bank, you may have a problem.

Don’t fret, there are several ways you can cash a check without a bank account.

Here’s how you … Read more »

Are you coming into an inheritance in the near future? Or have you already inherited some money? Are you wondering what to do with inherited money?

We’ve been going through the process for the past few years and have learned a lot. We’ve also met with some incredibly wise and experienced estate and investment experts in the process. In this article, we’ve reached out to Attorney Lyle Soloman, the principal from Oak View Law Group in Rocklin, California.

How Inheritances Can Be Received

There are several ways that most people receive an inheritance. 

You could inherit assets through a … Read more »

Would you love to find the best mobile survey apps that could earn you money? We’ve done all the work for you by researching and testing them.

Do you enjoy sharing your opinion about things? Most of us do.

We’ve researched the 22 of the most popular survey apps that pay you for sharing your views.

The promise of making some money for answering questions might sound too good to be true. And there are some instances where it is.

It’s true that some survey companies might be less than ethical. But the list below only includes legitimate survey companies with good reviews.

These survey … Read more »

Did you ever ask yourself, “How does a budget work?” Do you like the word “Budget?”

We often hear people refer to budgets in negative terms. Words that imply pain or restriction or deprivation. 

We have a different view of the way budgets work.

We look at a household budget as a positive thing.

It’s a tool that preserves our money and lets us enjoy life and the things we have.  We think a budget is very similar to a dam on a lake. Keep reading and find out why.

A BUDGET Like a Dam?

We’ve heard some people refer to trying a money management system … Read more »

What does living below your means . . . mean? Does it mean a life of deprivation? Does it mean a life of constant coupon clipping, or a life of regularly saying, “We can’t afford it?”

Living below your means – something different.

Maybe it’s saying yes to your top priorities like paying off debt and building savings/retirement.
OR,  it’s saying, “I’d love to take a cruise, but this year we only have enough money for a driving vacation.” And then making it a fantastic, fun family memory.
Maybe it’s saying, “I’m making great money right now, but this may not last, so we’re going to … Read more »

We don’t pay much attention to our credit score. When you live debt-free and don’t borrow money, it becomes a non-issue. But we do realize that there are times in life when your credit score plays an important role in your future.

We helped our kids establish credit using a credit card secured by their bank accounts. They only used it for purchasing gas. Over time, the limited use of this credit card helped them establish a good credit score.

We always recommend the consistent use of a budgeting system to manage your finances.

Your credit score can also come into play … Read more »