4 Simple Tips to Help You Pay Cash for Your Next Family Vacation

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Traveling can be incredibly expensive, especially if it’s a family vacation involving more than a short road trip to the nearest campground. A major problem with traveling expenses is that they are not consistent. Depending on the season, gas prices, and other related factors, you could vastly underestimate or overestimate your projected expenses for your next vacation if you don’t plan carefully. In order to stretch your travel budget without sacrificing any fun, there are several useful strategies you should incorporate into your plans. Will it be easy to save money without resorting to credit cards to cover some of your travel expenses? Of course not, but the benefits arguably outweigh the downsides. Here’s what you should do before your … Read more

Drop App Review – Earn Cash Back on Your Everyday Purchases

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**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links. There are plenty of personal finance apps and browser extensions designed to help consumers save more money. However, few apps have the seamless user experience and popularity of Drop. Drop is a free savings app with more than one million users who have earned over one billion points and redeemed over $3 million worth of rewards. This flexible, intelligent mobile app functions as a consumer’s wallet-saver. By linking your credit or debit card to your Drop account, you can earn points and redeem them for rewards within a few days of completing your purchase. As long as you’re 16+ years … Read more

The 7 Wonders of the Personal Finance World

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When it comes to money management, there’s so much more to the world of personal finance than just budgeting and saving. Almost everyone knows about the importance of maintaining a budget and spending less than you earn. But, there are many other benefits of personal financial literacy that countless people miss out on. If spending more time on your hobbies, dining out, living without financial stress, or traveling, perhaps to see the seven natural wonders of the world, are on your bucket list, then you won’t want to miss these seven wonders of the personal finance world to help you afford your goals in life. The 7 Wonders of the Personal Finance World Compounding Interest Many of us learned about … Read more

Qube Money the Digital Envelope App Review – The Simple Budgeting App

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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 different expense categories before you ever make a purchase. When you use your Qube Money card at checkout, the amount you spend is deducted from your available balance in … Read more

Top 5 Money Moves to Make Now in the New Year

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How To Actually Keep Your New Year's Resolutions

The end of the year is a time to reflect on only the previous year but also the new year to come. Now that we have all survived the year-end Apocalypse, the holiday season’s frenzy and the new year is upon us, now is the perfect time to not only take stock of where you want to go in the next year but also where you should take your finances as well. There are money moves to make now. The new year is an excellent time to look at your total financial picture and consider making changes to your strategy and money moves. There are several key financial aspects of your life that you should consider taking stock of in the … Read more

7 Steps to Paying Off Your Credit Card Debt in 2019

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Paying Off Credit Card Debt

The following is a guest post from Conor Richardson, CPA is the author of MILLENNIAL MONEY MAKEOVER: Escape Debt, Save for Your Future, and Live the Rich Life and founder of MillennialMoneyMakeover.com, where he helps Millennials master essential money matters. If you’d like to submit a guest post to Money Q&A, check out our guest posting guidelines. Americans love credit card debt. The heady elixir of easy money is hard to resist. But as you enter into the New Year, carrying over a credit card balance from the previous year can sometimes make for a nasty financial hangover.  With the average US credit card holder holding a balance of $5,839, it might take more work than you realize. How to Pay … Read more