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I’ve not used either of those, but I do love Acorns! It automatically rounds up purchases (like .94 to 1.00) and then puts that into a separate account for me. I’m the worst at having a saving’s account so this works amazingly well for me!

Woof, after several years in retail management in big box stores I could never imagine doing it again, but working part time for a small, local business for the holiday could be enjoyable!

Thank you! I decided to just stick with renting. You’re right, I’m not ready to buy and even if it may save money or become a great investment it would be a premature decision for me.

What worked for me was planning. I tried to spend all of my money before I get there. Meaning, if I know I want to try out the local restaurants I will go on groupon or other sites to see if I can pay upfront. Usually groupon is something like $15 for a $30 meal. I have my coupon or discount and I don’t have to worry about tapping my budget when I…[Read more]

I used ebates years ago but I wasn’t consistent and probably because it wasn’t mobile when it came out. I’m definitely going to try it out because you are so right. The small change does add up!

What an interesting concept! I’d never thought of that. Thank goodness I’m no longer in the dating scene, but even as a married couple, my hubby and I do try to stick to a date-night budget. We’ve got $150 to spend on one really nice date night a month or a couple less expensive options. But if we didn’t have that budget in place, going out would…[Read more]

I’ve actually never heard of Robinhood but I have used Acorns. I don’t think financial apps are for me. I’m more of a set and forget it type person instead of hands on with an app. I will definitely check out this app and try out the investment app world again.

I think it all depends on the return on investment. I would sit down with an expert from Vanguard or Fidelity. If you are a credit union member the guys at CUNA are pretty good too. I’ve worked with them to help me navigate my retirement funds. I hope that helps a bit.

I don’t have much insight, but I definitely feel your pain. I gave up my nice cushy corporate job with an employee match last year to move to a lower paying job in advertising at a small mom-and-pop shop. This year I haven’t been able to contribute to retirement since I took a $10k pay cut, but I’ll have to start working on a plan over the next…[Read more]

I love this! I think it makes so much sense to make yourself pay a “ME” bill first. Like you said, after that money’s been spent on paying yourself, you’ll adjust your lifestyle to make due with the spending money you have left. I’ve been doing this for years taking $50 out of each paycheck and sending it automatically to a tiny little checking…[Read more]

I’m 100% with you on that! And really, it’s one of the biggest arguments I have with my hubby. I would rather save up money to take a nice trip somewhere, where he’d rather spend on electronics and things like that. I love my home, but when I see how much STUFF I have around, it makes me sick. I don’t need anymore STUFF. Instead, I need to explore…[Read more]

+1 for Dollar-cost averaging! No one can predict what the stock market is going to do and attempting to time it is an exercise in futility. Dollar-cost averaging removes emotion from the equation which is HUGE when it comes to long-term investing.