Don't Buy Stuff You Cannot Afford

Don't Buy Stuff You Cannot Afford


SNL did a great skit 10 years ago with sage advice that still holds up extremely well. It is sort of sad that credit card debt or just consumer debt in general has gone up per person. It is never a good idea to have any credit card debt so it's fascinating that even with PSA like this SNL skit there are still individuals that don't understand the issue with over spending. Enjoy 

The Good, Bad and Ugly of Temu

Temu 

It has a bit of everything, but for insanely low prices and so many pop ups you want to puke. It resembles a slot machine with its bright lights and constantly moving tiles. It even resembles old Facebook with its farm games and constant nagging to invite your friends to the app. It has a lot to hate on, but it also gives you access to extremely affordable albeit questionable quality goods. When used correctly, Temu can be a tool in affordability to fight off rising prices, when used incorrectly it can be a vortex of consumerism.   


The Good, Bad and Ugly of Temu

How Amazon Sneaks Extra Costs

How Amazon Sneaks Extra Money for You

Amazon is amazing! I am a huge fan. A few points and clicks and products will arrive at your door. The convenience is unparalleled, but Amazon is not your friend. It is a company that wants to maximize profit with a few sneaky tricks up its sleeve: 


How Amazon Sneaks Extra Money for You


Why Eating Out Can Be Better Than Cooking at Home

 Meme

Eating Out vs Cooking at Home

I recently saw a post about saving money by making a sandwich vs just buying a sandwich and I think there is some truth to the post. I used to work on the road quite a bit and buying a loaf of bread, condiments, cheese, lettuce, tomato, deli meat really adds up. Now obviously if you total all the sandwiches created and if the condiments and veggies were completely utilized then it makes financial sense to make at home. But when I was traveling on the road it was difficult to store condiments and vegetables. It was nearly impossible to utilize even half of the food before I would have to throw it out or I would just lose it in a move. This is the same problem with salads have multiple dressings that never get finished. Simply buying a bag salad that is fully utilized is more cost effective. I crunched the number while on the road and just decided it was best to simply eat out at the cheapest restaurants vs buying groceries.      

Birthday Free Perks

Birthday Free Perks

Birthday Free Perks

I recently celebrated a birthday and took the day off work. Instead of going shopping and eating at a fancy restaurant I went around town collecting free food like Pokémon. Businesses love to help you celebrate the day of your birth with free giveaways in hope of having you grace their business on your special day. This can be a lot of free food when you actually sit down and compile a list of all the restaurants that have an offering. There are so many offers that it would take all day to actually redeem them all. 

The Financially Responsible Decision

The Financially Responsible Decision

Making financial decisions is difficult. Treat yourself or save for the future? The financially perfect decision between spending or not spending is always not spending. Zero extra spending on even a simple chocolate bar or drink to help you get through the day. No spending on extra clothes or the latest tech gadget. If it is unnecessary in the slightest the financial responsible decision is No. This sort of decision making would get you to your financial goals real fast but deprive yourself of many of life's simple joys. Never eating out, never traveling, never buying luxury items, never having any fun. The FIRE (Financial Independence Retire Early) movement is a take on this with spending drastically reduced. When should you make the financially responsible decision and when to spurge is a constant battle, but we should always seek to be as educated as possible on our financial decisions.