Northern Cheapskate

Frugal. By Nature.

How the Workplace is Changing in 2018

How the Workplace is Changing in 2018

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With the dawning of a new year, many are taking a second look at their jobs and wondering if there is a better way. Is there a better way to work? Is there a better way to employ people? Is there a better way to run their business? Today we’re looking at some of the changing trends in employment you can expect to see gaining more traction this year, to give a little more fuel to the fire of your speculation. Going Solo More and more people are choosing to leave a fixed, salaried career … [Read more...]

401k Facts to Make Sure You’re Not Avoiding Contributing

401k Facts to Make Sure You’re Not Avoiding Contributing

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While it’s easy to get a victoria secret credit card, head on out and continue to go on a shopping spree, making it so that once you receive your paycheck, pay bills, and go shopping, there isn’t much left at all.  What is more important than going to the store and buying unnecessary items, is actually securing your future by building an emergency fund in case there are any unexpected charges that come up like an appliance breaking down, a needed car repair, or medical bills that pile up.  … [Read more...]

Life Insurance 101: How To Save On Your Premiums

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Life catches up with you fast. When you are young and just out of school, you are not thinking about life insurance. You probably consider yourself invincible. And the actuarial tables at the life insurance company think the same thing. Which is why buying life insurance at 22 is such a great way to save on your premiums. That is pretty unrealistic, though. No one really thinks about buying life insurance at 22. Life insurance comes up when you have a mortgage, kids and multiple … [Read more...]

Make Getting Out of Debt a Priority this Year

Make Getting Out of Debt a Priority this Year

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Unless you want to get a csl plasma card to make extra money, it takes some serious life alterations to live debt free.  Gone are the days of careless spending and ignoring saving for your future, and now come worrying about where your next dollar will go, giving yourself a cushion with an emergency fund in case of unexpected charges, and really making serious contributions for your 401k account so you have an income to live off when you do finally walk away from work.  Ignore the gym membership … [Read more...]

Free Up Extra Money By Reducing Monthly Expenses

Free Up Extra Money By Reducing Monthly Expenses

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Reducing expenses is a great way to free up extra money each month and put your hard-earned wages towards something more important such as building up an emergency fund of a few months’ worth of expenses, or saving for retirement.  If you have been lacking in the long-term future and find yourself asking what an ira vs 401k are, now may be the time to get ahead on your finances and start out 2018 on the path to financial freedom.  Whether you are already on top of your expenses or you are … [Read more...]

Improve Your Credit Score Faster In 3 Simple Steps

Improve Your Credit Score Faster In 3 Simple Steps

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One of the fundamental measures of your financial health is your credit score. A higher credit score suggests that you’ve adopted solid money habits, such as paying your bills on time, keeping credit card balances low and and only applying for credit when it’s really necessary. A fair or poor credit score, on the other hand, can paint a very different picture. If you’re ready to change your financial image, starting with your credit, keep reading to learn how to improve your credit score … [Read more...]

How You Can Strive for ‘Excellent’ Credit this Year

How You Can Strive for ‘Excellent’ Credit this Year

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We hear so much talk about trying to make fitness a priority to start the new year, some even have the sense to work on finances and reducing spending, but you don’t hear many talk about improving their credit score as the frontrunner of what to work on this year, but that doesn’t mean that you should continue to ignore the score that can get you the best or the worst interest rates on the market, a difference in what could be hundreds of dollars every month.  If you are looking to free up money … [Read more...]