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the don’t be broke blog

Saving For Retirement (Pt 2)

Here is a Household spending plan to save for retirement! Part 2 Step 4 – Choose Your Spending Plan Targets Use the Spending Grid Tool below to help you decide which spending categories you will target for reduced spending. For each numbered spending category, draw an appropriate bubble on the grid. Big expenses should go […]

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Saving for Retirement (Pt 1)

Here is a Household spending plan to save for retirement! Part 1 Step 1 – Set Your Retirement Savings Goal If you’re still in your 20s, consider setting a savings goal of 10% of your income. If you’re in your 30s or beyond and don’t have a lot saved for retirement, think about how you […]

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Safe Investing (Pt 1)

Welcome to Safe Investing Part 1 1. Have a Plan The old cliché is true. Nobody plans to fail, but many fail to plan. Having a comprehensive financial plan in place, understanding your goals, and proactively managing your investments are never bad ideas. 2. Have a Cash Cushion The emergency fund is always a classic […]

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Tips To Get Your Debt Paid Off ASAP (Pt 2)

10 tips to get your debt paid off ASAP (Pt 2) 5. Sell any unnecessary items Take a look around your house. Is there anything taking up space that you really don’t need? Maybe there are some larger items taking up space such as unnecessary furniture that could be sold to pay off your debts […]

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Tips To Get Your Debt Paid Off ASAP (Pt 1)

10 tips to get your debt paid off ASAP (Pt 1) 1. List debts by interest rate List your debts from smallest to largest. Then, list them in order from highest interest rate to smallest interest rate. Since the one with the highest interest rate is costing you the most money, that’s the one you […]

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Tips For Saving Money On Summer Bills (Pt. 3)

Welcome to Tips for Saving Money on Summer Bills Pt. 3 7. Turn Down Your Hot Water If you’re like many people, you crank up your hot water heater during the cold winter months because you love stepping into a hot shower. And you probably forget to reduce the temperature settings during the summer. Doing […]

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Ways to Invest $100 (Pt 4)

Welcome to Ways to Invest $100 (Part 4) Buy fractions of a share with Stockpile Normally, you have to buy whole shares of a stock. Stockpile, however, lets you buy fractions of a share. If you have $100 and the company you want to invest in has a stock worth well over $100, you can […]

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Tips for Saving Money on Summer Bills (Pt. 2)

Welcome to Tips for Saving Money on Summer Bills Pt. 2 4. Carpool Carpooling saves an average of $650 to $1,000 per year. If you’re not sure how to get started carpooling, there are several sites to help you connect with others. One is eRideShare. This site is useful because not only does it help […]

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Ways to Invest $100 (Pt. 3)

Welcome to part 3 of Ways to Invest $100. 11. Roth IRA There’s only one thing better than free money: tax-free money! And that’s why opening a Roth IRA should be a priority. With $100 you can open an online investing account and watch that money grow and then take it out tax-free at retirement. […]

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Tips For Saving Money On Summer Bills (Pt. 1)

Welcome to Tips for Saving Money on Summer Bills Pt. 1 1. Turn Up or Turn Off the Air Conditioning Almost half the energy used in your home goes toward heating and cooling. Even making small adjustments, such as turning up your air conditioning by only one degree, can make a huge difference. For each […]

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