7 Simple Ways to Cut the Cost of Your Coffee Addiction Today

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If you buy Starbucks every day of the workweek, then you could be missing out on the opportunity to save thousands of dollars per year by switching to cheaper alternatives. Worried about the quality or time-intensiveness of these alternatives? Do you know how to stop coffee addiction?  Don’t let these concerns prevent you from saving money because you might be surprised by how similar generic and brand-name coffee varieties taste, and how easy it is to start making coffee for less than $1 per day, instead of shelling out $4+ per day at the local coffee shop. How to Stop Coffee Addiction and Save Money Do you have an addiction to coffee? Do you know how to stop coffee addiction? Here … Read more

How to Start Filing Quarterly Taxes as a Freelancer

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Taxes are complicated for just about anyone. But, for contracted workers, freelancers, and self-employed individuals, filing quarterly taxes can be downright nightmarish. While it helps that income taxes are changing, and the standard deduction is increasing for 2018, there are still multiple hurdles to filing and paying taxes each year. If you or your accountant realize you might need to start making quarterly payments, also known as “estimated payments”, on your taxes due to income not being withheld, then here are a few crucial things to know beforehand. Filing Quarterly Taxes as a Freelancer Do you Have to Submit Quarterly Payments? To determine whether you need to pay estimated taxes quarterly to the IRS, Publication 505–specifically, Figure 2-A on page … Read more

The Ultimate Guide to the Dave Ramsey Baby Steps You Need to Know

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Introduction To Dave Ramsey Baby Steps

Here is the ultimate guide to truly understanding the Dave Ramsey baby steps he talks about in his best-selling book, The Total Money Makeover. Learn how to build an emergency fund, get out of debt, invest, and start to gain financial independence. I’m always asked about how to start or where to start if you are struggling with your finances. If you have a mountain of credit card or student loan debt or a slew of other financial problems, it can be very intimidating where to start. That is why I always recommend that people start with Dave Ramsey. I’m a huge Dave Ramsey fan and his book, The Total Money Makeover. It is one of my top ten personal … Read more

Credit Sesame Review – Get Your Free Credit Score & More

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Repair your Finances as a First Priority

It’s important for all consumers to keep their credit scores as high as possible, but a vast majority of Americans don’t even check their credit report on an annual basis, let alone weekly or monthly. Although there are laws and regulations in place to help consumers protect themselves from thieves and cyber-hackers, you could lose quite a bit of money or watch your credit score plummet if you don’t act quickly when you see fraudulent activity on your credit report. In 2017 alone, 1.1 million consumers reported incidents of finance-related fraud to the Federal Trade Commission, with $74 million cumulatively reported credit card thefts. Consumers who knew right away that their credit score or financial accounts had been compromised could … Read more

How to Save for Retirement on a Limited Budget

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Your 401k retirement plan is not an emergency fund

The following is a guest post by Ramona, a freelance web designer and personal finance blogger with PF Today. If you’d like more information about submitting a guest post on Money Q&A, check out our Guest Posting Guidelines. Retirement was easy decades ago. At least that’s what my grandmother used to tell me: You worked until you were 55, then retired. The state would pay a pension that was enough to live off. And you were also paid that pension for as long as you were alive. Guaranteed. Times have changed now. We can’t work for 30 years (like they did), then retire and live 30 more years on a state pension plan. The state cannot support all the retirees today, … Read more

Top 5 Ways To Save Money At The Movie Theater

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Save Money At The Movie Theater

I love watching movies. It is actually one of my guilty pleasures, and my wife and I actually spend a lot of money every month watching movies at the movie theater. But, there are tons of great ways to save money watching a movie at the theater this summer. How to Save Money At The Movie Theater Here are five of my favorites and a separate list of some other great ideas to save money at the movie theater this summer. Join The Discount Club Several of the national movie theater chains have rewards programs that can help you save money on tickets and concessions. The reward program members can earn free or discounted movie tickets the more you continue … Read more