5 Best Items to Buy at Sam’s Club

buy at sam's club
Buying in bulk at Sam’s Club is excellent for efficient shoppers. I like to stock up on non-perishable goods quarterly. I save so much money on paper towels, toilet paper, laundry detergent, and dishwasher tablets. Sam’s isn’t just good for cleaning supplies and household goods though. Here are the five best items to buy at Sam’s Club. Vitamins If you take a multivitamin or...
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Fact Check Finance: Wait to Invest Until You Pay Off Your Debt

invest after you pay debt
Dave Ramsey recommends that you wait to invest until after all of your consumer debt is paid off except for your mortgage. I understand the logic, but I don’t think it is a one-size-fits-all solution. Wait to Invest? Dave Ramsey has a financial freedom program that includes baby steps. Investing 15% of your income for retirement is baby step number four, after a small emergency fund, paying...
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Will Multiple Credit Cards Hurt Your Credit Score?

multiple credit cards
Your credit score won’t go down just for having multiple credit cards. It all depends on how many you have and how you use them. Credit card debt is on your credit report as revolving debt. Revolving debt means the balance can be carried over from month to month. Important factors in evaluating revolving debt are the age of the account, payment timeliness, and utilization rate. Additionally,...
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Budget Management: How to Pick the Right Budget For You

budget management
It’s not easy to pick the right budget, and it’s not a one-size-fits-all experience. Your circumstances and goals are specific to you, and your budget should be too. With so many options out there, from envelopes to percentages, it can be hard to figure out what’s best for your situation. Generally speaking, a budget will show your income and expenses and the difference between the two....
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Bad Money Habits You Need To Stop

bad money habits
There are so many bad money habits out there. I’d imagine you could probably name a few of your worst without really putting a lot of thought into it. I have some particularly crappy ones, and while I’ve made a lot of progress on them in the past year or two I still definitely have a ways to go. Since the year is ending and everyone, for the first few weeks anyway, acts like a new year brings...
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