It's never fun to lose your big-ticket items to a leaky pipe, a burglar, or a house fire, and even less joy in learning your insurance won't pay for it. Insurance is supposed to protect your stuff, but when stuff costs a lot, your insurance may not do the trick.
It's great to have a 401(k), but not everyone knows that you don't have to wait until you're old before they become useful. There are a number of reasons you can take cash from your retirement account. It's basically taking out a loan from yourself. Funds from 401(k)s can be used to pay for a myriad of things, from medical expenses to financing a business to buying a home--although there should be a smart reason to take a loan. No vacations or big-screen TVs.
I spent the first 6 years of my life after college working for a department store. It was a typical department store and had many stores in many states. During that time, I saw some fantastic deals, learned great marketing techniques, and discovered how to save money in a department store.
Coupons carry all kinds of stigmas, branding users as dorks and misers. Guess what? Unless you're high up in the ranks of a successful company, the recession is still very much 'on.' It's a new era, and it's an era in which saving money is anything but miserly. It's smart.
Saving on Groceries and Drugstore Items
Have you ever thought of turning your hobby into a paying gig? Many people have a skill outside of their chosen career that could earn them cash on the side. Before you quit your day job though, here are some tips on 5 different skills that can help usher you into an era of multiple income streams:
While an internship is a short-term way to test the waters as you explore career options, an apprenticeship gives you in-depth on-the-job training in the industry of the choice. It's a hands-on training program leading to mastery in your area of specialty. Here’s how to land one: