Here are some articles that caught my eye this week…
There are exceptions but often times I look at some of these types of “recipes” and I question how much cost savings they provide, particularly when you add in the value of your time. I do believe though there can be health benefits, since you can control better what you are putting into the item when you make it. And many times homemade just tastes better than something that came from a box.
Our family shops regularly at BJ’s. We tried both BJ’s and Sam’s Club (we don’t have a Costco in the area). We chose BJ’s because it seemed they more often had packaging in smaller service sizes. We save a considerable amount of money through our membership, but the key is being a smart shopper. Some things are great deals and some things aren’t. It is important to understand what the average price for the item is in your area. Some things are considerably cheaper than what I could get elsewhere and sometimes the price is about the same.
Financial wellness is as much about attitudes and mindsets as it is about math. Our culture says that debt is normal. You will always have a car payment. No one can go to college without student loans. And on and on it goes. If you want a different life, though, than your broke friends, if you wish to have a sense of peace instead of fear and worry when it comes to financial matters, then you need to adopt a different way of looking at things.
A 401(K) is a great way to start saving for your retirement, particularly if your employer offers to match part of your contributions. If your boss called you into a meeting and told you that when you left, there would be a table outside the door with stacks of $20 bills – Go ahead and take a stack when you leave. How many of us would walk by the table and say,”that’s ok, I don’t really want it”? Yet that is effectively what a third of all workers do who have access to a company sponsored 401(k) with a match and yet choose not participate.
If you are trying to sell your home and you live in an area where prices are down, you might be surprised to know that simply cutting your price even farther might not be the most important thing you can do to get your home sold.
If you have a family you need to have life insurance to make sure they are taken care of in the event something happens to you.