The Simple Riches: Saving and Investing

The market for most businesses is extremely competitive, especially for small businesses. Advertising is no longer an option – it's a necessity. An effective marketing strategy can be the difference between a thriving business and one that struggles to stay afloat. Reaching out to customers, building brand awareness and driving sales can all be acc...

As the weather warms and blooms start appearing, it's the best time for spring home maintenance. Each spring, you need to do certain maintenance jobs to keep your home in good shape and help with curb appeal. When you complete spring home maintenance, including pest control, cleaning gutters, replacing HVAC filters and more, you also look for probl...

Not everyone has a green thumb or a large enough yard for a garden. Sure, you can plant some things in containers, but it's not really enough to preserve enough fruit and vegetables for a year. Some people simply do not have the time to garden. However, you can still stock up on fruits and vegetables by preserving them. If you plan ahead and put it...

You may want to put money away every week but can't manage it. Whether you believe you have to put hundreds away or you think you can't do without even $50 per week, there is still a way. You can put as little as $10 into a savings account each week. Create a savings plan and deposit what you believe you can afford. For now. After a couple of weeks...

You can open a health savings account (HSA) at any bank that offers it. Some of them even offer an account tied to investments. In some cases, you can open an account without even making a deposit. If you choose a health savings account with options, the bank could charge a fee. If you don't want an official health savings account, you can make you...

Starting at Thanksgiving, people have tons of holiday parties and feasts. They make tons of food to feed big crowds and often have leftovers. Most people will eat leftovers, but if you have too many, you may not eat them fast enough or may get tired of eating the same thing day after day. However, food is too expensive just to throw away. So, what ...

Thanksgiving is so underrated because people are already putting up Christmas decorations right after Halloween. They seem to forget what the favorite holiday for many is – Thanksgiving. This time of year is a time when family and friends get together for a big meal and great conversation. While the turkey often takes center stage, the desserts usu...

During the COVID-19 pandemic in 2020, many people were caught unaware of just how unstable their food stores were. Once word got out that government officials might ask people to stay in their homes to help combat the spread of this very contagious virus, people started hoarding toilet paper, groceries, hand sanitizer and other items. Those who cou...

When you want to save money, you don't have to save triple digits every week if you absolutely can't. Though you will save faster if you save more, sometimes that is not possible. However, having a little backup for emergencies and getting started on a retirement account is better than having nothing. You'd be surprised at how much you can save whe...

One of the best ways to get to a point where you can save more than a few bucks every week is to start eliminating debt. You might have a few thousand dollars in credit cards, or you could have several hundred thousand dollars in other liabilities that you owe. It often seems as though you can't get that debt down, no matter what you do, because it...

An emergency fund is money you set aside to pay bills should something happen. A family member could get sick and be unable to work, or you could lose your job unexpectedly if your workplace closes down, or you could be out of work for many other reasons. An emergency fund also comes in handy if you have a significant issue, such as your vehicle br...

If you've tried to save money but always found it difficult, you might fare better if you create a budget – and stick to it. Creating a budget tells you what you can spend on a monthly basis. You can even create a weekly budget or break it down into a daily budget. Listing your expenditures helps you see where the money is going and where you can m...

You'd love a new car but don't think you can swing it right now. But – you don't have a choice since your current vehicle needs thousands of dollars of work to make it safe enough for local travel, never mind road trips. If you have to have a certain type of vehicle instead of a compact car, such as an SUV or a pickup, you can buy a barely used veh...

Reading as a hobby is becoming more and more expensive with the prices of publishing going up. When publishing costs increase, the cost of the finished book also increases. If reading is one of your favorite hobbies and you've had to let it go by the wayside or read the books you have over and over because of finances, you can read on the cheap. Wh...