How To Avoid A Tax Audit

How To Avoid A Tax Audit

ByKori
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I try to keep good financial records, especially as I prepare for the end of the year when I want to calculate my finances (earnings and expenses) for my taxes. Is it a fun process? Absolutely not. But it does pay off, at least from an organizational stand point, to keep track of everything related to the blog. If I should venture further into working at home, which I plan to next year, I’ll up my game a bit when it comes to keeping track of finances. But, even if I’m incredibly prepared (or at least as prepared as possible) a tax audit could still be a possibility. Sure, it’s never happened to me but that doesn’t mean that it couldn’t happen to me in…

6 Simple Habits of Frugal People

6 Simple Habits of Frugal People

ByKori
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Being frugal is a lifestyle and a mindset. But, what really defines being frugal? If you ask two different people, you’re likely to get two different answers. For most, being frugal means being mindful with your money and being resourceful with what you have on hand. For some, it may mean learning to live with less or living within a budget. You may start living a more frugal life by looking at an aspect of your life like your grocery shopping. So what else does it mean to be frugal? Let’s take a look at these simple habits of frugal people and find out. How to Be Frugal There is a lot of advice out there on how to live a frugal life. You can…

Why You Need a Budget

ByKori
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Budgeting is not an easy topic but one that many deal with or face. Why do we fear budgeting? For some, it’s a matter of sacrifice and learning to live with less. This prospect may scare us. For others, it may be coming to terms with our financial reality. For example, when we carry a lot of debt and we’re already living paycheck to paycheck; the thought of fully facing our personal finances is a stressful situation. However, living within a budget does not have to be a scary situation. In fact, a budget can be financially freeing once you get used to it. And I would even argue that if you’re in any sort of debt, you need a budget. Let’s talk about the…

Should You Get a Payday Loan?

ByKori
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By now, I’m sure we’ve all seen the commercials out there for payday loans. It’s quick, easy money when you need it. But is getting a payday loan worth it? Is it really something that you should consider when you need money? This was something that my ex and I had once discussed, before we ultimately decided to ask for a credit extension on one of my credit cards. Looking back, I wish I hadn’t done it, but what’s done is done. I also, at the time, applied for a loan from the bank- which again, I wish I hadn’t. I would have liked to have been more mindful with my money, but… well, things happen. But, what works (or didn’t) for me, might work…

Easy Ways to Start Using Coupons

ByKori
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I will start this off by saying that I am far from an extreme couponer. I just don’t have the patience to go through every coupon site, weekly ads, etc. But, I do like saving money so I’m willing to do as much work as possible to help with that cause. For example, I like digital coupons from places like Smart Source, Coupons.com, and Red Plum. I shop in bulk when need be because that also helps me save money and especially on things that I need like toilet paper, paper towels, diapers, and wipes. I also buy lunch items in bulk, and occasionally meat. When we finally start meal planning, I’ll buy other items in bulk to hopefully save on our food expenses. Today,…

Easy Tips to Help with Credit Repair

ByKori
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Do you know what your credit score is? I’ll be honest, my credit score at one point was respectable. Then, I got in a bit of trouble with my credit cards and my credit score suffered because of it. Now I’m at the point where I’m trying to become debt free on my own and repair my credit score in the process. Not always easy but I know the journey will be well worth the effort. Learning to live within a budget has not been an easy journey. It’s always been easier for me to spend money instead of just save it. But, reality is that if I want to work on repairing my credit and get out of debt, I know that I need…