Author Pennysaver Plus

Live differently! Employ habits that allow you to live on less while enjoying more of your time. By following these habits, you can enjoy the freedom of being able to live without the crushing stress of debt and the need to keep up with consumer trends. Habit #1: Develop emergency savings If there is one thing that can send your finances into a tailspin, it’s an unexpected expense. This can be anything from a car repair to a hospital bill or a speeding ticket. Develop an emergency savings plan that allows you to plan for these expenses so that they…

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With the hectic holidays far behind you and Spring approaching, now’s a good time to begin planning your home remodel project. Depending on the size and ambition of your project, it may take a few months just to complete preparations, such as designing, budgeting, getting permits, and selecting what products you wish to include. If you’re planning on doing any kind of outdoor project or renovation, you had better begin planning now or risk pushing it off until next year. Interior space remodeling doesn’t really depend on the seasons, but why not go ahead and get a jump on it?…

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Tax Season officially began January 23rd. For most people, tax season can be a stressful time spent gathering documents and working to prepare their tax returns as accurately as possible. There are several changes that have occurred that may affect your 2017 tax return. By being aware of the challenges that may occur, you may be better prepared to handle them. Deadline Changes In 2017, individual taxpayers must file their income tax returns by April 18th instead of April 15th. The due date is April 18, 2017, because April 15, 2017, falls on a Saturday which would normally result in…

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When it comes to being frugal, it’s a learned process that can become a habit as it’s practiced on a daily basis. If you grew up with parents who were frugal, it’s likely that you’ve developed frugal habits. The same is true if you spend unwisely. It becomes a habit that you don’t often realize is costing you extra money and delaying your goals like saving for a new car or home. When you want to practice daily habits regarding frugality, you’ll need to identify and stop those habits that are keeping you from your goals. Social Spending and Peer…

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Everyone is trying to land the next big idea today. It doesn’t matter what type of business you’re looking at, there are plenty of people who are trying to work their way in. One of the most prohibitive things about starting up a new business, of course, is raising enough money to get your business off of the ground. Well, we’re here to say that that whole process is totally unnecessary. In fact, you can get a business started with as little as $50. That’s the best way to get your business going, as you won’t need to take out…

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Most of us have made financial mistakes in the past. From bad decisions with credit when we were college students to waiting too long to start our retirement funds, we all have a few financial regrets in our histories. For this reason, most of us want to teach our kids how they can do better and avoid so many typical financial blunders. The truth is that most parents wait far too long to start teaching their kids about how to be smart with money. Very young kids are actually quite responsive to lessons about finance, especially simple principals like using…

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It is estimated that 40 percent of people in America are skipping their yearly vacation. It is important to take some time off from your job in order to reduce your stress. Vacations also allow you to experience new things and create memories with the people you love. A lack of funds is one of the reasons that many people opt to skip their yearly vacation. Fortunately, there are many things that you can do in order to save for a vacation. Start a Vacation Fund You should start a savings account just for your vacation expenses. Set your account…

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Shopping for jewelry is rarely a simple process. Between the high prices and gemstone jargon, the experience can be downright intimidating. The best method for finding a perfect gem is to approach the purchase like a professional jeweler. Before buying a piece of jewelry, take the following tips into consideration. Do Your Research There’s no shortage of options when it comes to jewelry stones, metals and styles. While it may be difficult to match the knowledge of an experienced jeweler, a shopper should still take the time to look into a few basics. For diamond buyers, this will mean understanding…

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Every year, the Internal Revenue Service (IRS) issues reminders to avoid tax season scams. And every year, the masterminds behind these scams continue to defraud honest taxpayers with convincing frauds that mimic authentic options for filing and paying taxes or receiving tax refunds. In this article, learn about some of the most prevalent tax season scams for this year and how to spot the signs so you don’t get scammed. Scam 1: The scary IRS phone call scam. While just a handful (between 0.50 and 0.86 percent) of tax returns trigger IRS audits annually, knowing this doesn’t seem to lessen…

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Being cheap is about spending less and almost never about quality; being frugal is about prioritizing your spending so that you can have more of the things you really care about. Those who are cheap are often afraid to spend money and will sacrifice quality and value in order to cash in on short-term savings. Everybody knows a cheap person, and probably dislikes them. But I think we often mislabel frugal people as “cheap”. In this article, you’ll learn difference. Meet Your Average Cheapskate If you enjoy saving money at least as much as you enjoy spending it, you may…

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