nicole@thepennyhoarder.com (Nicole Dow)

Save Money

6 Saving Strategies to Help You Bank Money for the Future

Saving money means embracing smart strategies and putting them into action. It may be a challenge to put money aside for the future rather than spend it today, but it’s well worth the effort. Helping Americans boost their savings efforts is the goal of America Saves Week, which occurs Feb. 24 to 29. The annual …

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Here Are 100 Ways to Have Fun Without Spending Money

If your entertainment spending is causing you to go over budget, it’s time to make some changes. Don’t worry. We’re not suggesting you lock yourself in the house and do nothing but eat, sleep and pay bills. You’ve just got to find other ways to enjoy yourself that won’t put you in the red. We’ve …

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New Home, New Expenses. Factor These 8 Costs in Your Budget

You’ve spent months — years even — saving up for a down payment for a house. You’ve budgeted meticulously, banking savings whenever you could to make homeownership possible.  After reaching that goal, you may feel like the pressure to budget and save is gone. But don’t get too comfortable. Owning a home introduces a new …

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How to Budget Extra Money and Not Recklessly Blow Every Cent

Having extra money in your bank account is an awesome thing. You’ll probably feel like celebrating if you get a raise, pay off a big debt or receive a large financial windfall. But the question remains: What will you do with that extra cash? It’s important to have a plan for extra money that falls …

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Here’s How a Health Savings Account Can Help You Save on Health Care Costs

When signing up for health insurance through your job, you may have been given the option of opening an HSA, or health savings account.  An HSA isn’t like a regular savings account. For one thing, there are a bunch of rules around how you can contribute and spend the money. But it can be a …

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