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

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Could Your Student Loans Be the Key to Building Your Emergency Savings?

Student looking at computer at student loan debt

It’s not hard to believe that people who have managed to set aside money in case of emergencies enjoy a greater sense of “financial wellbeing.”  Freedom from worrying about the “what ifs” and a sense of pride in achieving a monetary goal would make anyone feel good. In reality, however, barely half of Americans have […]

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7 Best Websites for Easy and Cheap Meal Recipes

Family eating cheap meal recipes

When the U.S. economy took a plunge back in 2008, the amount of money Americans spent eating out took a parallel plunge. But since 2010, that number began to rise once again. In fact, it surpassed 2007’s previously highest dollar amount just 2 years later. We get it. Eating out is convenient: there’s little planning, […]

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How (and What) to Negotiate with Your Credit Card Company

Credit cards: How to negotiate with your credit card company

Most credit card holders think that late fees, annual charges, and interest rates are set in stone. Yet a 2017 survey by CreditCards.com found that 84% of cardholders who picked up the phone and asked for better terms were told “yes.” When negotiating with credit card companies, it helps to have a strong credit history […]

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9 Boring Habits That Will Make You Rich

Rich couple

Originally published on moneytips.com on March 29, 2018 The idea of being rich appeals to most of us. What’s not to like about a world where your only money trouble is how to spend it? Plus, in a world where money is plentiful, you’re free to do all kinds of exciting things most of us […]

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Six Questions to Ask When Negotiating Medical Costs

Woman negotiating medical costs

Whether you’re between jobs, experiencing other financial hardship, or just have more medical bills than your emergency fund can provide for, you should know medical providers are very likely to be able to offer you a discount or even entirely waive your costs. The fact is, according to a Kaiser / New York Times survey, […]

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10 Habits to Become a Highly Successful Saver

Infgraphic 10 Habits to Become a Highly Successful Saver

Start creating these 10 habits to become a highly successful saver. 1. Making Savings a Priority Put aside a certain amount each month for your savings account, and make it automatic so you don’t even have to think about it. 2. Not Spending Your Raise This is one of the best opportunities to pay off […]

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Traveling on a Budget: 6 Tips for Cheap Trips

Young couple plans trip: 6 Tips for traveling on a budget

If you’ve come across extra funds thanks to hard-earned savings, a tax refund, an end-of-year bonus, or a particularly generous gift, spending your money on experiences instead of objects is one of the best choices you can make—assuming, of course, you are out of debt and on schedule with your emergency savings and other financial […]

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From Small Change to Big Bucks: Resolve to Fix Your Bad Financial Habits

Woman puts coin in piggy bank: How to Change Bad Financial Habits

There are lots of ways to save money. Most, if not all of them, require some degree of steadfastness and discipline. You can resolve, for example, to hold off buying yourself any new clothing or housewares for a set period of time. You could pledge to never buying coffee or water out or tossing all […]

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27 Awesome Ways to Spend $5

27 awesome ways to spend $5 infographic

At SafetyNet™, we’re big on saving money. Saving brings security, happiness and peace of mind. But spending money is a part of life and also something that brings joy. The key with spending wisely is focusing on the true value of your purchases and using your dollars in a way that will maximize your happiness—not […]

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De-Materializing the Holidays: The Connection Between Frugal and Festive

de-materializing the holidays: mother and children making cookies

So much for the idea that an abundance of gifts is what contributes to that “most magical time of the year.” The fact is: materialism does not contribute to our happiness. In fact, it has just the opposite effect. In 2014, materialism expert Tim Kasser, PhD, shared research findings with the American Psychological Association that […]