How to save water and money

how to save water and money

How to save water and money   Today is Earth Day, which got me thinking about our greatest resource…water. Many parts of the world are suffering from a lack of water including some of our western states right here in the US. Besides air, water is the most essential part of our lives and for many of us we seem to take it for granted. Part of my philosophy in saving money is also conserving and this includes just about anything from water to energy or products we consume. Earth…

Get out of debt- It’s not my fault

Getting out of debt

Get out of debt This article pains me to write, but sometimes the truth hurts and it needs to be said, please know I write this with tough love in my heart. I want you to GET OUT OF DEBT FOREVER! I work with people constantly that are in financial trouble and the first thing they say is, “it’s someone else’s fault”, or “something happened to me to cause this”. In very rare cases do I agree with their diagnoses, for the most part their current situation is directly their own fault. You…

How can I get started saving money

how to save money

I get asked this a lot, “How can I get started saving money” Let’s assume you are really ready to make a change in your life, you are sick of the daily grind and want to get ahead. First make sure you know what your motivation is and where you plan to be in the future. Without this it will be very difficult to make the tough decisions and sacrifices needed to reach your goals. Be sure to think really hard about this and write it down somewhere you can…

Top Money Saving Apps

top money saving apps

Today there are so many apps out there that can save you money on everyday purchases with these top moneysaving apps. I use several forms of money saving systems or reward programs to keep a little more jingle in my pocket. I’ll go over a few of them that I have or am using right now and if there are any you are aware of please leave the tip in the comments section.   Credit cards reward points, this is one of my favorites and I have written articles on…

Pay Yourself First

reinvest

You may have heard finance gurus shoot off the phrase, “Pay yourself first.” While this statement might make perfect sense to them, it took some time before I truly grasped its meaning. When I did, it completely revolutionized the way I thought about money. It also completely changed how much of it I had. Basically, the phrase means making financial choices that allow you to PAY INTO your own investments rather than force you to PAY OFF someone else’s. In other words, you pay yourself first. Before you scratch your…

What can your bank do for you?

Ask not what you can do for your bank, but ask what your bank can do for you. A little spin on JFK’s speech but it works here.   Little do people know, banks, credit unions and credit card companies go on various financial “pushes”. What I mean by that is they review certain products they want to pursue or are lacking business in and need to fill their inventory with, so they offer incentives to get new clients. Just like any other retailer may offer “loss leaders” to get…

How to flip your own home and move up the property ladder

Flipping houses

I get asked a lot of times why we keep moving every couple of years. Well the answer is: We make money from it. It is a major inconvenience to pack up everything and move every 2-4 years but in the long run it will be well worth it. I will show you the strategy you can use to move up the property ladder and eventually get the home of your dreams. I warn you it will not be easy but give it a read and see what you think.…

I’m obsessed with LED light bulbs

LED light bulbs

Yes, I may have gone crazy! Mrs. Guru thinks I’ve lost it, I am obsessed with LED light bulbs and it comes up in almost every conversation.   Having an electrical background and a fascination with money savings my two loves have finally met. Initially I liked the idea of the new fluorescent bulbs that came on the market but wasn’t completely in love, they looked weird and reminded me of a pigs tails, plus the delay in warming up drove me nuts. I know they have come a long…

Why do I love my credit card

You’re probably thinking “What the hell I thought this was a debt free blog?” and yes you’re right. However, this is also a making money blog, let me explain. I hate credit card debt, as the brilliant Albert Einstein said “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it. Compound interest is the most powerful force in the universe. Compound interest is the greatest mathematical discovery of all time.” and when you are on the wrong end of…

9-25% Return On Investment-Guaranteed

Debt free

I frequently get asked “what should I invest in” and my first question is do you have any debt? Considering the average American household has $14k in credit card debt the answer is almost always yes. Most people also have car loan, recreational vehicle loans, signature loans and perhaps even lines of credit. On average interest rates can range from 6-25% for most of these products, so the first investment I recommend to people is to get out of debt! What’s the point of investing in anything if every dollar…