Northern Cheapskate

Frugal. By Nature.

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...]

Benefits of Having Rainwater Tanks

Benefits of Having Rainwater Tanks

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Many people have certainly noticed how in the past few years, the rain patterns have changed and the climatic conditions have worsened. Because of these reasons, it has become critical for homeowners to plan for climatic changes by storing water in their own homes. The tighter restrictions and the rising costs of water are making it necessary for households to harvest 100,000L of water each year. Not only does this save people much money, but it also allows them to have all the water they need … [Read more...]

Ways You Could be Hurting Your Credit if You’re Not Careful

Ways You Could be Hurting Your Credit if You’re Not Careful

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While you could be seeking out class action rebates in order to make extra money to make ends meet, others would pick maybe another job in their space time, or at least sell items around the house, whether that be on online or even donating for tax write-off, when it comes to looking to get extra money around the house, all possibilities should be explored, especially reducing expenses.  While you can cut out going out to eat or even cutting the cable bill, but what about the interest rate on … [Read more...]

Smart Ways You Can Start to Save Money Now

Smart Ways You Can Start to Save Money Now

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Before you go reading the sep ira rules to invest your money, you want to ensure that your hard-earned money is going to the right places, so it can be a good idea to take a look at your whole financial picture.  In order to examine every dollar that is coming in, and more importantly, going out, you can pull last month’s credit or debit card statement and actually go line by line to see what your purchases were, so you can begin to make changes to reduce unnecessary expenses and free up extra … [Read more...]

Effective Ways to Cut Your Credit Card Payments

Effective Ways to Cut Your Credit Card Payments

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If you’re overwhelmed with your credit card payments, you’re not alone. According to stats in the US the sharp rise in credit card debt to $1.02 trillion is a reason to be concerned. There are several other things taking place in the economy, notably quantitative tightening. Simply put, this means that the Fed FOMC (Federal Open Market Committee) is embarking upon a rather aggressive policy of interest rate hikes. Since December 2015, the Fed has been raising interest rates. Why does this … [Read more...]

10 Things You Can Sell from Home

10 Things You Can Sell from Home

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If you’re thinking about making money by starting a small business, you don’t have to immediately look for retail & commercial real estate. That sort of investment isn’t probably within your budget anyway. But if you’re just aiming for some quick cash by selling some of your unused and old possessions, you don’t actually need a shop. You can just sell your products online. You don’t even need your own website either, unless you really want to take your home-based business to the next … [Read more...]

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...]