It’s all about flexible subscriptions nowadays. Whether it’s a TV streaming service like Netflix and Hulu or quirky subscription boxes for seemingly every hobby in existence, consumer data research suggests our collective obsession with subscriptions is unlikely to go away any time soon. Consumers love subscriptions over ownership because there’s much more flexibility, convenience, and easier access to products and services. But what about subscribing to a car service, as opposed to buying a used car or leasing one for a few years? While … [Read more...] about Are Car Subscription Services Worth It?
Qube Money (formerly ProActive Budget) is an online digital bank and budget app that digitizes the cash envelope system. Have you wanted to try the cash-only budget method, but you’ve held back because of the impracticality of using only cash in this digital age? If so, then a new app called Qube Money Digital Envelope might be the solution you’ve been waiting for. The way Qube Money works is fairly simple. You transfer funds into your Qube Money account whenever you get paid and determine how those funds should be allocated into … [Read more...] about Qube Money the Digital Envelope App Review – The Simple Budgeting App
The following is a guest post from Choncé, a budgeting guru, who chronicles her journey with balancing motherhood, a home-based business, and finances on her blog, My Debt Epiphany. If you'd like to submit a guest post to Money Q&A, be sure to check out our guest posting guidelines. In 2015, I made a horrible mistake. I chose to cut fun and entertainment money out of my budget. I was feeling overwhelmed with my debt. I owed $30,000 between my student loans and my car loan. My future husband (boyfriend at the time) owed … [Read more...] about The Importance of Adding Fun Money to Your Budget
You may not be ready to think about it yet, but Christmas as the holiday season is rapidly approaching us. And, we all know that the holidays are an expensive time of the year. One reason is that we are a very generous society and love holiday gift giving. One recent survey found that Americans spend over $500 per year on gifts for our friends and family. We love to give and giving can quickly add up and become a budget buster. But, there are a few ways that you can make this a perfect year and still give gifts that make you just as happy … [Read more...] about Five Ways to Make Holiday Gift Giving Perfect This Year
Budgeting is one of the most important aspects of organizing our lives. But, far too few people ever truly stick to a budget long-term. Why’s that? Because budgeting seems too difficult or boring to pay close attention to. Many of us would prefer to “set it and forget it” and hope you come close to your projected income and expenses for a given month. Unfortunately, attention to detail is crucial when it comes to budgeting. That’s because irregular expenses and income can mess up your calculations pretty quickly if you’re not paying … [Read more...] about The Best Way to Budget When You Have Irregular Income
Grocery expenses comprise a large portion of most American’s budgets. According to data released by the U.S. Department of Agriculture, the average middle-aged male spends just under $300 per month on groceries when following a “moderate-cost plan.” But, you can save money on groceries. The average family of four, meanwhile, can expect to incur around $1000 worth of food expenses each month when following a similar middle-of-the-road strategy. How does your family’s spending compare with how to save money on groceries? If you … [Read more...] about Top 14 Easy Grocery Hacks to Trim Your Food Budget