You Are Being Boiled Alive

You Are Being Boiled Alive

I am never one to place financial blame on the government, or corporations, or anyone else for your financial problems. Those problems are yours, and you have MUCH more control over them than society thinks. But the majority of people I help through my financial coaching just don't see the impact of all the small expenses in their budget. I always try to show them the long term impact of these things, and many people are shocked at how a few simple items could delay their retirement a few years! Yes, the latte factor is in full effect, but this time it's not lattes killing the … [Read more...]

How To Save Money: Use Priceblink

How To Save Money: Use Priceblink

Ok, here's the deal. Most, if not all, of you shop online. Let's face it. It's convenient (no getting off my butt to buy stuff) and usually cheaper (no storefront = less overhead costs = savings to you) and can be downright frustrating! Where do I find the best deal? How much is shipping? Does this product even have good reviews? These questions run through your head every time it's time to make a purchase online. And they should. Finding the best deal on ANYTHING takes some research and thought to make sure you are getting the best product for the best price. But today I want to talk … [Read more...]

It’s Time To Cut The Cable and Home Phone

It’s Time To Cut The Cable and Home Phone

Since it's a new year, I figure I would post this up. It's the first thing you should do to save your money and your sanity in 2014. If you still have cable, please read this. And then let me know why. :) Today, I've got a special offer for all the wonderful readers of iHeartBudgets. I am going to give away a 4 day cruise to the Bahamas to everyone who reads this post! You read that right, 4 days of all-inclusive fun in the tropic sun, visiting places like Jamaica and Nassau. Swim with the dolphins, eat like a king and let your worries melt away. All you need to do is cut the cable and home … [Read more...]

How To Save Money When You Buy Electronics

How To Save Money When You Buy Electronics

Ahhh, technology. You can't escape it! Heck, you're engrossed in its awesomeness right now just to read my blog (thanks!). To some, it's a necessary evil that plagues the earth and sucks the life out of anything that comes in contact with it (or maybe that's just me…). To most, it's something that makes the world just that much easier and more enjoyable. With apps for everything, gadgets that make you lunch, and the ability to read iHeartBudgets on a mobile device, technology is enriching the lives and smart people such as yourselves. But it does come with one downside. IT’S FREAKING … [Read more...]

How To Save Money: Mock Yourself

How To Save Money: Mock Yourself

Being on a very tight budget, we are always looking at ways to save money on stuff. We also review our budget at least once a month to make sure we are on track. And sometimes when we pull up the ol' budget on Mint.com, I find that we are in the red in some categories (shocker, I know). It's always a bummer when you blow the budget, but I use failure as a learning experience, and use what I learn to change our budget moving forward. But sometimes I need to go to even more extreme measures to make sure I pay attention to our budget to stop ourselves from giving in to those daily financial … [Read more...]

5 Simple Ways To Save Money This Fall

5 Simple Ways To Save Money This Fall

Fall is in the air. No, literally, rain is now falling, leaves are changing, and the mornings are cool and crisp. All signs point to the changing of seasons, which makes kids mourn and parents rejoice, because Fall is on is finally here. And along with the season of Fall is a number of great family activities, traditions and don't forget, AMAZING FOOD! Fall is quickly becoming our favorite season in the iHB household. Summer is great, backyard parties and friends are cool, but there's just something magical about leaves crunching underfoot and seeing your breath in the air for the first time … [Read more...]

Money Doesn’t Exist Unless…

Money Doesn’t Exist Unless…

I visited relatives this week (hence the sudden disappearance), and was able to spend some quality time with family. As usual, I like to get into conversations about finances, because I love learning how people tick. Finances may be an off-topic conversation in some families, and I don't think everyone should divulge every financial details to everyone they know, but finances can be a fun dinner conversation. Plus, this family had something that I don't: Teenagers! Money Is Not Real I began the conversation very subtly, because I didn't want to pry… Me: "Hey Cuz, tell me, what do you … [Read more...]

How To Save Money: Don’t Be A Jerk

How To Save Money: Don’t Be A Jerk

12:30pm Older Lady: "I need a room key. My daughter is very tired, I need to get her to bed" Front Desk Lady: "Sure thing. What's the last name on the reservation?" Older Lady: "So-and-so. I'm in room number blah and just need a key. I just want to have my daughter sleep." Front Desk Lady: "Ok ma'am. I see that your name is not on the reservation. I can get you they key right away, I just need to know who’s name is on the credit card that booked the reser-" Older Lady (In an angry tone): "Ok, this is way too difficult. I was told that I could just come down and you give me a key. I don't … [Read more...]

How To Save Money: Learn Basic Car Maintenance

How To Save Money: Learn Basic Car Maintenance

One of the things that has saved us thousands of dollars over the years is learning a little bit about how to work on cars. Basic car maintenance can cost hundreds of dollars at a mechanic shop, and cause you to waste thousands on labor for simple things you could be doing yourself. I have been doing car maintenance for about 7 years now, and here's some tips and trick on how to start learning about those money-hungry hunks of metal we call cars. Find A Friend When I first met Michelle, I was in the middle of my "Blow Through $100,000" tirade, and won her over with my good looks (HAH!) and … [Read more...]

How I Avoided Wasting Money On A Bad Used Car

How I Avoided Wasting Money On A Bad Used Car

So, I may or may not have an opinion on buying new cars (see here, here and here). But what I haven't really admitted to is that I am a car enthusiast. Like, I love working on cars, researching cars, figuring out the details and figuring out how to make them better, faster, stronger! I am semi-obsessed with a few types of cars, namely the Toyota Supra MKIII Turbo, '06 - '07 Subaru WRX, and the Fifth Generation Honda Civic. Weird, I know. The main problem I have is that I can't afford any of these cars, while I'm getting out of debt and on a very tight budget. But yesterday I found something I … [Read more...]