Northern Cheapskate

Frugal. By Nature.

How You Could be Wasting Money Every Month

How You Could be Wasting Money Every Month

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While sure, blowing your money on car accessories for girls might be a waste of money if those purchases aren’t a need and money is tight as it is, but I’m guessing that wasting money goes a little deeper than that.  Saving money might not be the first thing on your mind when it comes to your money, or retirement for that matter, but the truth is, time goes by fast, and even though it may even be decades before you retire, the earlier you can start saving, the better, as your funds will have … [Read more...]

Maximize Your Hard-Earned Money

Maximize Your Hard-Earned Money

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While sure, knowing the difference between an ira vs 401k is important to figure out when it means contributing money to your future, so you want to ensure it’s the best choice for your financial situation, but prior to getting to that point, it may be time to look at your whole financial picture.  It certainly is not easy to handle the household finances, otherwise everyone would not be in debt and would be ahead, instead of living paycheck to paycheck.  I understand money can be tight, but … [Read more...]

Now is the Time to Get Your Finances in Order

Now is the Time to Get Your Finances in Order

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While insurance can help you be prepare in case of emergency, and to some extend for the future of your family members if something tragic were to happen to you, it’s how you handle your day to day finances that can really set you up for success.  Sure, it may be decades away until you do finally retire and continue to enjoy life without the responsibility of work, but the earlier you can prepare, the better, as your nest egg can continue to grow over time.  Now is the time to get your finances … [Read more...]

How to Save Time and Money as A DIY Tax Preparer

How to Save Time and Money as A DIY Tax Preparer

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This post is sponsored by H&R Block.   Doing your taxes, yourself is a great way to get control of your finances and save money at the same time. If you do not outsource your tax prep, you can be the one who makes decisions on what to claim how to claim it and how to keep proper records. It is a great exercise in personal responsibility. When you are doing your taxes yourself, you always want to be sure that you are doing it properly. But the reason you are taking the work on … [Read more...]

Start Working for Yourself

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Are you sick of the rat race and tired of reporting to the office and punching the time clock?  Want to give up commuting every day on bus or train, or fighting traffic on an overcrowded highway?  Instead you’ve decided to take the leap and join the world of the “self-employed” – becoming one of those “entrepreneurs” you always hear folks talk about.  Of course, if you’re like many others who’ve done so, then you have absolutely no idea what you’re getting into, how you will do it; you just know … [Read more...]

How Much Can You Save By Maintaining Your Home DIY

How Much Can You Save By Maintaining Your Home DIY

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Keeping your house in tip-top shape can sometimes be challenging. Having worked a long shift, made yourself a delicious meal and finally having the opportunity to plop onto the sofa and settle in for the evening, maintaining your home DIY is probably the last thing rotating around your mind. However, by allowing your home DIY to deteriorate, you’re putting your bank at risk by needing to fork out hundreds to restore your home. Even though payday loans UK, such as those provided by Wizzcash, … [Read more...]

These May Cost Plenty, but Don’t Skimp on…

These May Cost Plenty, but Don’t Skimp on…

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While spending your hard-earned money on nice cars can be flashy and luxurious, living beyond your means is not the best move, especially if it means that you mortgage payment or car least takes up most of your take-home pay.  In order to free up extra money every month, sacrifices have to be made, whether that is avoiding going out to eat on a regular basis and opting for going grocery shopping and preparing your meals at home, or even finally deciding that you can actually cut the cable cord … [Read more...]