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Being on a very tight budget can make life challenging. But it can also provide an opportunity to be creative, resourceful, and resilient. Even so, in today’s world, where living costs seem to be rising constantly, you need to find more ways than ever to make your dollar stretch. Whatever your situation, whether you are a student, a young professional, or someone on a fixed income, there are many ways to maximize your budget. In this post, I’ll share 10 tips and tricks that can help anyone thrive when they have very little to no money. 1. Mindset Shift: Reframing Your Relationship with MoneyIn...
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We are all looking forward to the holiday season because it is a time of joy, cheer, and giving. At the same time, the holidays can also be a stressful time for some families financially. It can be stressful to buy gifts, decorate, and host celebrations, especially if you’re tight on cash. In fact, 54% of holiday shoppers expect some financial burden during the holiday season, according to Bankrate. Interestingly, 33% say they anticipate being pressured to spend more than they are comfortable with as a result of inflation, 25% say they are stressed over costs, 23% say they are concerned about ...
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When you don’t have any money, it can be stressful. Don’t let that stop you from being productive. Even if you’re on a tight budget, you can still improve your life and reach your goals. When you don’t have any money, here are 20 productive things you can do. 1. Hold a bill-lowering session.Are you looking for ideas on what to do instead of spending money or leaving your house? Make a list of all your recurring bills, such as utilities, car insurance, and home insurance, and compare them to see if you can get a better deal. This may sound tedious. It’s important to remember, however, that ther...
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On Father’s Day, we may not spend as much as on Mother’s Day. Still, according to the National Retail Federation, consumers plan to spend an average of $171.79 on gifts on Father’s Day. The good news? There are plenty of affordable Father’s Day gifts and ways to celebrate if money is tight. And, by affordable, I mean next to nothing. 1. Wash and detail his car.There is nothing men love more than their cars. That may sound like a stereotype. However, men develop personal relationships with their cars since they perceive them as extensions of themselves. Additionally, every car or truck has the ...
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What mother doesn’t want to be spoiled and shown how much she means to us? This is probably why approximately 84 percent of American adults celebrate Mother’s Day. However, showing mom this affection comes with a cost. According to the annual consumer survey released today by The National Retail Federation and Prosper Insights & Analytics, Mother’s Day spending reached $31.7 billion in 2002, up $3.6 billion from 2021’s record spending. If you’re curious, that’s a record high. When you’re living on a budget, however, one-off spending events like Mother’s Day can throw your finances off. What’s ...
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From the 17th century, the term broke referred to being without money. More specifically, the word derives from the old sense of impoverished, which signifies helplessness, shame, or embarrassment. People are not born broke, but they make decisions based on their actions, not as a result of circumstances. To put it another way, it’s a thing that happens to you. You go broke, busted, or even bankrupt — the ‘rupt’ comes from an Italian word for broken. In the Victorian era, you were said to be ruined. Despite the fact that the phrase this is why I’m broke has been used in colloquial speech and w...
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The desire to become rich is universal. But that probably impossible if you start with very little or no money. After all, there’s an old saying “you have to have money to make money.” If you don’t already have some cash to work with, you might think you’ll never be able to build significant wealth. However, this isn’t entirely true. In spite of having little money to spare, there are steps you can take to amass a certain amount of wealth over time. That’s not to say that it won’t be easy. Depending on your geographic location, amount of debt, and income, this will be mor...
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