Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!

William Arsn

how to downsize
Many of us look around and wonder how we ended up with so much stuff. Sometimes I wonder why I spend the money on things that don’t get used much. There is a lot to be said for a little more simplicity, as many people are discovering in this recession.

It is possible to spend less money, and still live a full life. And, of course, just because you can afford something doesn’t mean you have to buy it. If you are ready to downsize your lifestyle, you can do so, with a little thoughtful planning.
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creating wealth

I once wondered whether an investment property or a dividend yielding stock is better. The result was an unanimous vote for investing in stocks.

Since then, boy has the environment drastically changed. The financial crisis unfolded with a 50{5667a53774e7bc9e4190cccc01624aae270829869c681dac1da167613dca7d05}+ decline in stocks, followed by stocks multiplying during the next decade only for a pandemic to trash stocks again in a span of just one month.

If I were to ask the same question again, would everyone still vote for stocks?
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side gigs

Since job security is almost as hard to find as well-rested new parents, we have to create our own financial stability by building multiple sources of incomes. That can mean taking on freelance work, starting up our own businesses, or pursuing a potentially lucrative hobby.

With the average worker now holding 10 different jobs before age 36, the only way to guarantee a little bit of continuity is to take matters into our own hands. Here are nine ways to get started:

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coronavirus stimulus checks

The promised stimulus payments are going to hit our bank accounts any minute now, but plenty of us are still wondering what’s going on.

I wanted to know exactly when they are planning to arrive, so I went digging into the specifics.

Here’s what I found out for those of you who have lingering questions on the coronavirus checks.

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gratitude and contentment
With all that’s going on, I’ve been trying to look for ways to be grateful. And with Thanksgiving being my favorite holiday, it naturally pop into my mind. I love Thanksgiving because it’s not supposed to be steeped in consumerism. And, for me and my family, it usually isn’t. We relax, eat good food, and enjoy each other’s company.

Recently, my son pointed out that the holiday season comes with a rather odd juxtaposition. We’re supposed to be giving thanks for what we have on Thursday morning, but by the night of Thanksgiving, when retailers are opening at 5 p.m. for Black Friday deals, all is forgotten and we’re in “gimme” mode.

While thinking about that, it occurred to me that many of us could be much happier (and richer) by practicing gratitude and learning contentment.
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generic purchases
Buying name brand was the way to go once upon a time. Walking into a grocery store, you could easily spot the brands you know and trust. Even though you were paying a premium for them, the purchase made you feel good because you were choosing quality over quantity.

But that isn’t necessarily the case anymore.

Now, there are numerous generic brands available and many of the products they produce are the same quality as those name brands, maybe even better. Too bad many of us aren’t taking advantage of these savings though. According to a 2014 study by Tilburg University, Americans are wasting approximately $44 billion dollars a year on name brands. Ouch! You’ve probably contributed to that number at some point too.

Instead of always going to the brand with the best commercials, here are five products you should always buy generic:
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Here are 20 easy ways to save some money every day

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