All posts filed under: money

How I afford to travel

Originally posted on Sitting Pretty In The Queen City:
I get asked a lot how I afford to travel so I wanted to share with you how I’m able to go on all these trips! Sorry to disappoint but I don’t have a sugar daddy financing these excursions and my parents are not paying my way : ) The biggest thing  I do is go on a financial diet when I’m home. I don’t have a large disposable income but I joined mint.com years ago for free and it keeps track of my spending and I can see where my weaknesses are in my budget (for instance eating out for me was adding up to be a lot so I joke about how I eat ramen noodles to afford travel.) I’ve been learning to cook more and it’s definitely saved some money. I also realized I’d be happy sacrificing a few things to set aside travel money. I only get my hair done maybe 2 or 3 times a year now and pay to get…

Overcoming the Fear of Investing

Originally posted on Generation Y Retirement Account:
Looking at that blue pool, you think you might drown… But you get some help to put on those orange swim floaties & start kicking those legs in the water to complete a full lap Staring at that big brick building called “school,” you wonder how you will do in a brand new environment for a day… But your mom (or dad, brother, sister, nanny, babysitter, etc.) grabs your hand, walks you in, and your kindergarten teacher flashes you the biggest smile Watching people cruise down the pavement on their shiny bikes, you contemplate how you will ever be able to learn to ride a bike without falling… But you start by using those sturdy training wheels until you have the comfort to coast on down the park pathways Checking out the full plate in front of you as you sit at the kitchen table at your friend’s house, you gulp because you have never tried this type of food before… But you pick up that fork and manage…

7 Reasons Why Gen-Y Can’t Save $$

I am almost convinced that my dad either has 3 bank accounts spread across the world, a side job that no one knows about – *queue in detective mode, mum*, or a magical power that allows him to save every penny he earns, and still ALWAYS find a way to make ends meet, financially. So often, when I am sitting in the living room during our ritual ‘family hour’ at 8:30pm every night, my dad will turn around and ask me, “How much money have you saved in your bank account?” Why do you ask, old man? IT’S A TRICK QUESTION, DON’T FALL FOR IT, I tell myself. Why does he care so much about my financial situation? Being the suspicious person I am (I’m not – as a matter of fact, I am wayyy too trusting), I went to the bank to ask whether my dad had access to my accounts, and knew how much I was spending on the daily. Turns out, he didn’t. He was just not utterly oblivious to the fact that I…

Four things your job doesn’t deserve from you

Originally posted on Sex and Living with Your Parents:
In my brief experience in the working world (two years, more if you count unpaid work as well) I feel I’ve heard plenty about what I should be doing to be a good worker, but what I see is people giving too much of themselves. Work pervades their lives. There is no work-life balance – only work. If you dissent and start to question things at work you’ll be thought of as undedicated and not loyal. That’s why I’ve listed four things you give to your work but you shouldn’t. Your Allegiance Your job and your career do not deserve your unwavering allegiance. A recent article in the paper this week shows just another example of a company using cult-like tactics to get employees to work 80-hour work weeks. You should see your job and career as optional. Multiple jobs, multiple careers, I think are a wonderful thing. Having different sources of income means you have options, and the power to potentially walk away from a…

Grocery Rebate Apps

Due to my strong desire to master budgeting, I spent last weekend downloading grocery coupon apps (RetailMeNot, Saving Star, etc.) and rebate apps. I found one rebate app that I love and one that’s a great sidekick. 1. The sidekick Every Wednesday, a new list of rebates is released. The rebate (typically anywhere from $0.25-1) applies to a product. It isn’t store specific. The reason it’s the sidekick? Most of the rebates tend to be brand specific (i.e. Pledge Floorcare Product). Living on a budget means I may not be able to buy the brand item. A $1.50 rebate on a $10 brand item isn’t better than a $5 generic item. On my first receipt (Fourth of July weekend…we bought a lot of stuff) I was able to make $1.75. 2. The superhero Though I’m not rolling in the rebate dough, the app offers a bit more than Checkout 51. The rebates are specific to certain stores, but many of them are found at multiple stores. Some rebates are brand specific, but many aren’t. Many …