Get great ideas to save money and learn how to live within your means.

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Let Your Library Save You Money

Young people saving money in library

If you think books are the only thing in public libraries, it’s time you visit your own. Far from the stereotypical impression of cavernous spaces filled with rows of dusty books, public libraries are dynamic, community spaces filled with nearly limitless, free information. What’s more, they are curated by librarians eager to help you access […]

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The Financial Pitfalls of Subscription Model Services

Man checking subscription model services on phone

Quick! Name all the subscription-based services you are currently signed up for. Netflix or Hulu? Amazon Prime? How about software or online storage services like Microsoft, Dropbox or Google Cloud? Are you paying an annual fee to access the New York Times or Consumer Reports? What about music streaming apps like Pandora or Spotify? If you’re like […]

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20 Ways to Romance Your Sweetheart without Breaking the Bank

20 Cheap Date Ideas Infographic

These 20 cheap date ideas will help you have loads of fun without breaking the bank! These ideas are free or less than $15. Waltz Down Memory Lane Get out your photobooks from your honeymoon, your wedding or even before you were together to share memories and stories. Go to the Library Grab a book […]

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5 Cheap Activities Proven to Help You Avoid the Winter Blues

Couple dancing to avoid winter blues

No matter where you live in the northern hemisphere, the onset of winter means shorter days and far away dreams of summer vacations. For those who live above the 40th parallel, ice storms and slow-to-melt springs can wear on even the most devout of winter enthusiasts. There’s no doubt that a couple weeklong beach vacations […]

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SMART Strategies to Save Up for Something Big

Family on vacation

Saving up for something big—or just working to pay down a debt—can feel like an overwhelming task, especially at the outset. As with most big goals, standing on the bottom of the proverbial mountain and looking up past the clouds is just about the worst way to go about psyching yourself up to get there. […]

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The Pitfalls of Black Friday

Women shopping on Black Friday

Shop Smarter By Knowing the Tricks of the Trade It wasn’t so long ago that Black Friday took place on just one day and entirely within brick-and-mortar stores with local TV crews clamoring to cover the overnight spenders. It was, after all, the most lucrative retail day of the year. Recently, of course, the internet […]

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Easy and Cheap Handcrafted Holiday Gifts

Father and son making easy and cheap handcrafted holiday gifts

Whether creativity is natural or something that can be learned is a debate not likely to be resolved any time soon. Meanwhile, however, holidays, birthdays and other causes for celebration continue to challenge everyone to find inexpensive, unique and personal ways of expressing their love to family and friends. If you’re drawn to the idea […]

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Why We Spend: The Psychology of Spending Money

psychology of spending

It’s likely no surprise that money is a leading cause of stress among most Americans. Financial decisions—whether making purchases, paying down debt or building up savings—require willpower, good judgment and discipline. Why is it, however, that even when people aren’t in the midst of a financial crisis or vicious cycle of debt, making ends meet […]

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Halloween Costumes on a Budget

kids wearing Halloween costumes on a budget

Whether you’re looking to dress a child or an adult, the internet offers no shortage of fun, cheap and even easy ideas for Halloween costumes. However, they are only inexpensive until you find yourself running to the dollar store to buy a hundred Popsicle sticks or the mall for black tights, or the home improvement […]

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A Summer Spending Freeze: One Person’s Plan to Tackle the Challenge

Woman shopping

  Recently Marlena H. embarked on a self-imposed, one-month “personal spending freeze,” announcing her intentions on social media and inviting others to join. Intrigued by what inspired her to take on such a challenge, SafetyNet™ reached out to learn more about the impact of her financially minimal month on her day-to-day life (and, subsequently, her […]