The essence of saving and the different ways to save


Savings is a topic that many of us believe we have a handle on what it is.  Whether you are a young Millennial or an older Baby Boomer—about to retire—it is vital to save as much as you can so you will have the money you will need when you retire.

Whether you want to retire at 30 or 65, savings is critical toward your financial success. Talk to anyone over 50, and they will tell just how quickly 50 snuck up on them. So how do you save?  How many ways can you save? Michael Haldane, writing for  Moneyweb, lists different ways to save. While the focus is on the Rand and South Africa—many of the concepts are quite applicable in the US.


No matter how young you are, where you come from or how small your savings could be, let the principle of saving be an embedded lifestyle. Image: Shutterstock Saving is an essential concept that spans the centuries. The Agrarian revolution of the 18th and early 19th centuries come to mind, where farmers used to save surplus produce for future use. In modern times there are industrialised saving methods via several investment products. The ideology […]

J.Crew is discounting full-price and new styles this weekend


You can still look fashionable and save for your retirement.  A financial plan isn’t always about what 401K plan or IRA you invest in—it can also mean being frugal.

Save 35% on full-price styles from J.Crew with the code “WEARNOW”

J.C Crew to discount it line of clothing this weekend … Check it out!!

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This sale is not to be missed if you like saving money on high quality, fashionable clothing. (Photo: J.Crew) — Our editors review and recommend products to help you buy the stuff you need. If you make a purchase by clicking one of our links, we may earn a small share of the revenue. However, our picks and opinions are independent from USA Today’s newsroom and any business incentives. It took me far too […]

Patients could save by paying in cash instead of using insurance


We’re fast approaching November 1, 2019, and that opens the season for your health care open enrollment. If you are planning to make changes to your coverage, now is the time to start planning.  If you are paying for your own insurance, then you will need to contact your carrier directly.

Health says that starting November 1, you can log into, fill out an application, and enroll in a 2020 Marketplace health plan. Enroll by December 15, 2019, and coverage starts January 1, 2020. 2020 plans and prices will be available to preview shortly before November 1.

The following article tells you how you can save money on your insurance. You don’t always have to pay for your coverage with your insurance plan.

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Raleigh, N.C. — Most people wouldn’t consider seeing a doctor without using health insurance if they have it. But with the increasing number of people in high-deductible health plans, some providers offer discounts — sometimes deep discounts — to those who pay out-of-pocket. Consumer Reports found some people can actually save money by leaving their insurance card in their wallet. It’s a practice more common for diagnostic procedures like X-rays, CT scans and ultrasounds. […]

If you are a small business owner … this podcast will help you navigate your health insurance landscape for you and your employees.


Why you should start saving for the holiday season now



Have you been to Costco lately? How about Walmart?  It used to be that Christmas trees and decorative items wouldn’t appear on the sales floor until after Thanksgiving with the landmark event—”Black Friday!”

But—I am now seeing Christmas decorations showing up everywhere, and I’m reminded that I need to start my Christmas list—just what the big box stores want!  Have you started to save for Christmas?  Or Hanukkah?

While we are at it, it’s probably a good time to start budgeting for all the holidays beginning with Thanksgiving. In this article, you are given some excellent tips on to save for the holidays. One can never stop thinking about how to continue to build the discipline of savings as part of financial planing and saving for your retirement—even during the holidays.

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Skip to main content Buzz60’s TC Newman has tips and tricks for saving money – just in time for the holidays! Buzz60 As you put up fall decorations and start selecting Halloween costumes for you and the kids, there’s actually another holiday season you should start thinking about – the one that arrives in December. For many people, December is an expensive month because of Christmas or Hanukkah gifts and because of the costs […]


7 Money-Saving Tips That Actually Work


Saving money is something that we’ve learned we should do since elementary school. And It takes discipline.

For some, it’s easier said than done. For other’s they’ve either had it in the womb, or they developed it later in life.

Kailey Hagen, in Motley Fool, highlights seven money-saving tips that actually work.  If one is to retire with a healthy retirement fund—savings has to be in the mix. In this article, I’ve supplemented Hagen’s article with a cool video and podcast as a way to help motivate you to save. It’s a must!




Let’s be honest: Saving money isn’t much fun. But If we spent it all without care, we’d never reach long-term goals like buying a home or retiring . Like it or not, unless you win the lottery or inherit millions, you have to make saving a part of your life. Try a few of these tips to make it easier. 1. Automate your savings Saving can be difficult because you often think about what […]

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A little dated … but the following podcast has information that is just as relevant today …


Here’s how much money you need to save every month to put your kid through 4 years of college


When a couple decides to have children, probably one of the most important questions they will need to answer is how are we going to pay for their college. According to Student Debt Relief —with the average soaring as much as $36,420 per year with tuition and dorm costs.

This article focuses on giving you a strategy on how to save for your child’s college expenses. The sooner you start to save, the sooner you’ll be ahead.



Despite student-loan debt in the US topping $1.6 trillion, parents and students still shoulder the greatest share of tuition costs with non-borrowed money. We calculated how much someone would need to save every month to cover four years of a private or in-state public education in five, 10, or 15 years. The calculations assume that the money is put into an investment account, such as a 529 college savings plan , and earns a […]

How to navigate financial aid.

If You’re Saving More Money Due To Talks Of A Potential Recession, You Aren’t Alone


Depending on the news, or financial guru you are listening to, the US may be heading into a recession. Despite all the good news on companies moving back to the US, record low unemployment levels—there is ample talk of recession.

“No one truly knows what direction the economy will take in the future; however, there is an old adage that says those who do not learn from history are doomed to repeat it,” say Chen Liu

Whether we will actually have a recession this year, or not, no one can really be sure.  However, its always good to save, and to plan ahead.


Camilo Maldonado gives ways to plan—just in case.

Americans report saving money in anticipation of a recession. Put simply, Americans’ relationship with money is broken . It’s no secret that most Americans live paycheck to paycheck . That staggering statistic never ceases to sadden me. Unfortunately, widening income inequality is only worsening the problem. Over the past decade’s bull market, the unemployment rate has steadily dropped as the market has reached record highs. But if you ask most American’s, you’d find that […]

How to save enough for a pension if you’re self-employed


ThinkAdvisor says that many self employed Americans are not saving enough for their retirement.

“Many freelancers and other self-employed Americans plan to continue working even after they retire — and many of them will have to because they’re not saving nearly enough to live on while retired, according to the findings of a new study recently released by the nonprofit Transamerica Center for Retirement Studies (TCRS).”

Traditional IRA’s OR ROTH IRA – Which Should YOU Choose?

The following article, while in the UK, offers excellent tips to boost your pension pot.

THREE in four self-employed workers think it’s important to save for retirement but half are unsure how they’ll do it. That’s the findings from new research published today by pension provider Nest, which looks at how the nearly 5 million people in self-employment can save for retirement. Half of self-employed workers are unsure how to start saving for a pension Credit: Getty – Contributor It found that one of […]

Bad Debt Vs. Good Debt: What’s The Difference?


Depending on who you listen to, someone has an opinion on dept.  Have you ever heard real estate gurus talking about how to invest in property—use other peoples money?


There is some truth to that, you could do very nicely, with OPM—if you know what you are doing.  Of course, that is a form of debt. This article, How to Save Money takes a deeper dive into debt and savings.

Take a look at …

        • Bad debt vs. good debt
        • What is bad debt?
        • What is good debt?
        • Getting help for your bad debt
        • What’s a good debt-to-income ratio?

Today, “debt” is considered a bad word no matter what you spend the money on. But, like most things, it’s not really that simple. Not all debt is created equal, and taking out a loan for some things may actually be beneficial for you in the long run. For example, everyone knows credit card debt is bad because of the high interest rates. But student loans are much better – the interest rates are […]

Best Apps for Finding Cheap Flights


Have you seen them?  Just went to Costco for a few things, and as I’m walking down one the endless aisles what do I see? Of course, the customary Halloween costumes to be sure … but I also saw Christmas decorations. Christmas trees, ornaments, and more.   I immediately thought … haven’t we had Thanksgiving yet?

Alas–I’m resigned to accept the ubiquitous marketing, and the ushering of the fall and winter holidays. And that means travel.  I’m getting ready to head to New York and DC. My son wants me to visit in Seattle. So, you know I’ll be looking for travel deals. And one of them is flying as cheaply as I can.

15 Tips and Hacks for Getting the Best Deal on Flights

Here’s a cool video on 15 tips for getting deals on airline savings tips ..



Savings on Flying

Here’s a great article from Money section of US News. Check it out.

Flying is fast and efficient, but it isn’t necessarily cheap. Average fares out of Los Angeles International Airport were $336.13 in the first quarter of 2019, according to the Federal Bureau of Transportation Statistics. Travelers from Hartsfield-Jackson Atlanta International Airport paid $380.41 on average, while flights out of Dallas/Fort Worth International Airport were calculated at $406.63. Whether you frequently fly solo or are planning a vacation for your family, flight costs can quickly add […]