Great ways to save money on all kinds of things. Cut costs, cut expenses and save money on your purchases. Also be sure to check out our complete guide on saving money.
Four bedrooms with a large backyard and a white picket fence.
For most people, this is an American dream that they cannot wait to attain.
But turning that dream of homeownership into a reality can take a lot of grit and determination in this day and age. Considering that a traditional mortgage requires a 20 percent down-payment and that the average price for a single-family home sold in 2014 was $345,800 according to the US Census Bureau, you would have find a way to save a whopping $69,160 (not to mention additional closing costs) before you would be able to sign on the dotted line.
So how is it that 437,000 people were able to do that?
We at Modernize have a few tips to help you reach your goal without having to give up everything.
Saving is something we all know we should do but is far easier said than done. It seems simple, save a little each month for a rainy day but far too often our month outlasts our money and there is not much to put aside. It is always tough to break your bad spending habits and be more ‘sensible’ with your hard earned money but here are some tips that will help you make the change.
Have you ever felt that sinking feeling when you find out you need to spend money on a home or car repair that you weren’t prepared for?
You knew it was coming; hindsight is always 20/20, and you end up beating yourself up for not planning it out sooner.
If you don’t have an emergency fund in place, that sinking feeling is all too familiar.
Financial experts say you need an emergency fund worth 3-8 months of living expenses (to cover you during a layoff or career change).
Other experts say having at least $1000 on hand for real emergencies is the minimum you should have on hand for life’s surprises.
There is a way to prevent that sinking feeling next time you get hit with life’s unexpected/expected expense events (say that 5 times fast).
Even though many people in countries like Australia and USA are taking the online route to buy auto parts, there is no dearth of myths when it comes to online purchase. In this article, we examine some of the common misconceptions about buying auto parts online.
Going on a safari is not your typical traveling experience. It requires a lot of saving and planning in order for you to get the full experience from your trip. Often travelers tend to set their expectations high, and this is not to say you should set yourself up for an unsatisfactory trip, but people often underestimate the amount of research it takes before you go on a safari.
The planning stage is without a doubt the single most important aspect of a safari. It is a good idea to talk to safari experts who can share their experience and knowledge with you. You will be able to discuss budget and an all-round outline of your trip so you have an understanding of what to expect for your money. Before putting down money for a deposit you should make sure you are completely happy with the arrangements of your safari trip.
We all have loose change; jangling around in our pockets, in our cars, in drawers, and often just jangling around in the washing machine; we’re often a little too quick to dismiss our change. But if we have our smart head on there’s actually plenty of money to be made, so long as we have the foresight and patience to view it in the long term.
Consumerism has turned into an addiction.
As a society, we are addicted to consumption. We consume products, food, things…at an alarming rate.
I’m starting this “Understanding Series” with consumerism for a reason. I’m going to go in-depth with every area of your finances throughout this series, but it all starts right here.
If you don’t understand consumerism and how to get out of the trap, you will lack in every other area of your finances.
Here it is: how to set yourself apart from the average consumer. How to be a savvy consumer…
Ugh, just the thought of saving money brings on a frown. It’s such a herculean task! But it doesn’t have to be like that since you can save money without giving too much effort. Believe me, it’s possible to save extra money in your bank account without bringing massive changes in your lifestyle. Here are the 25 tips that can help me prove my point.