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goals vs resolutions

Goals vs Resolutions – How to Have a Successful New Year

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A brand new year is here - time to embrace lofty ideas and make those big dreams come true, right? Well, maybe. There’s a lot of talk about New Year’s resolutions during January, but let’s face the fact that most of us start out with enthusiasm and energy that slowly fizzles, and by Valentine’s Day we’ve mostly forgotten what we set out to do. A study at the University of Scranton confirms that while 40% of Americans formulate New Year’s resolutions, as little as 8% actually follow through on them for more than a month or two. This statistic is...
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Man Shopping For Organic Produce In Delicatessen

How to Go Organic on the Cheap

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Many of us think we’d like to improve our health and well-being by going organic. We’d like to get away from food that is loaded with preservatives, stabilizers, added sugar and sodium, and be more natural with our diets. But it seems that stepping back from the world of processed food comes with a steep price tag. Items labeled organic frequently cost up to twice as much as their non-organic competitors, which prevents budget-conscious folks from making the purchase. However, there are many ways to incorporate organic items into your routine without breaking the bank. What Exactly IS Organic? As...
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Bitcoin

A Bitcoin Primer – Demystifying Cryptocurrency

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Are you familiar with Bitcoin? Most of us have heard the term, as discussion about Bitcoin has invaded popular media in recent months. But do you understand what Bitcoin is and how it works? For those who are curious, the following is a simplified summary of a very complex concept. The World of Bitcoin For starters, Bitcoin is not an actual coin. It is a form of digital currency, known as a cryptocurrency, but it does not have a physical form like dollar bills or quarters. It is not a fiat currency like the money generated by the US Mint....
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holiday travel

Mega Tips for Safe Holiday Travel

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Every year millions and millions of people travel away from home for the holidays. Although accidents, theft, and injury are not the itinerary, those events still happen. We're here to provide a few holiday travel tips to keep you safer and more aware. Know where to go Our first tip for safe holiday travel includes knowing where to go. This means having a solid route and detour plan in case it is needed. For example, if your route includes driving, you should familiarize yourself with the highways you will be using. If you need to check into an airport, view...
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Christmas Gifts in a basket with Candle, balls, pine cones, snowflakes on white Wooden Background. Flat lay

DIY Holiday Gift Baskets That Won’t Break the Bank

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'Tis the season to be merry and bright. We're stuffing the stockings and lining the tree with presents. With only a week left until Christmas, many people who haven't knocked out their shopping list find themselves in a time crunch. If your busy life has put your holiday shopping plans on hold, don't worry. Here are a few creative ideas for themed gift baskets that shouldn't take too much time or money. We've got tons of ideas for themed gift baskets that suit a wide range of budgets. If you want to send your loved ones something DIY and special,...
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financial records

How Long Should You Keep Financial Records?

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We're in the last quarter of the year and it's time to think about taxes and paperwork. The biggest question that pops up every year is: How long should you keep financial records? There's always the concern that we will throw away important documents before their time, or that some type of discrepancy will be found. Let's dive right in and answer this question once and for all. There is a three-year minimum According to the IRS, there is a three-year minimum for all financial records. This includes things like bank statements, paycheck stubs, and investment worksheets. Here's a detailed...
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Black Friday Line At Best Buy on Thanksgiving

Black Friday and Cyber Monday: Your Guide to the Best Shopping

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The shopping wars are about to begin, and Black Friday 2017 may prove to be epic in scale. According to a recent survey conducted by RetailMeNot, consumer spending will average an increase of 47% over the same weekend in 2016. Consumers are expected to spend an average of $743 between Black Friday and Cyber Monday. That’s an increase of $238 over last year’s spending. It is predicted that 7 out of 10 holiday shoppers will make a purchase during Thanksgiving weekend. As the traditional start of the holiday shopping season, Black Friday, so named because sales on that one day...
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7 Solid Tips to Make Your Small Business Grow

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There comes a time when we want to take our businesses to the next level. The problem is, we’re not exactly sure how. If you've dug your feet into the ground and started your own venture, but still look for ways to make your small business grow, we've got you covered. Here are 7 solid tips to get noticed and make the best of your resources. Take advantage of social media. Above all, consider the amount of people you have free access to on social media. Millions of users log on every day and spend countless hours scrolling through Facebook,...
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recycled furniture

Budget Decorating: Go High-End Without Going Broke

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Let's face it, you've stared at the internet for hours, drooling over how much you want to have a Houzz worthy crib. You desire to let your inner interior designer shine, but don't know how. Rather it's your first home, or you're looking to upgrade your living space; there are 4 key ways to go high-end without going broke. Read more to learn about budget decorating and its perks. Start with high quality furniture. This is the most influential suggestion in regards to budget decorating. Think of your furniture as an investment. You're going to have to put stock into timeless, long lasting pieces. Instead of buying...
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Close-up of credit card and gold fishing hook on blank computer keyboard, with shallow depth of field.

Email Scams – What to Do When It Happens to You

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Falling for an email scam – known as phishing – can happen to even the most vigilant Web user. Cyber criminals continue to up the ante with ever more sophisticated scams, so it’s not really a question of IF it will happen to you, but rather WHEN it will happen, and HOW you will respond to the threat. Follow these steps to help protect your online interactions. Change Passwords If you have provided any personal information or passwords in response to a phishing scam change ALL your passwords immediately. This includes email accounts, online accounts, bank accounts and debit card...
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