8 Benefits of Using a Credit Card Instead of Cash

Using a credit card instead of cash can have a huge positive impact on your personal finances. You just need to do it the right way! Here are the reasons you should be using a credit card instead of cash.

In the personal finance world, I feel like all I read are posts about ditching the credit card and shifting to an all cash world. I’m not going to deny the potential downside of credit cards (or the upside of cash), but I just can’t stop myself from laying out all the benefits of doing the opposite – exclusively using a credit card instead of cash. The only important rule you have to remember with this method is that you have to pay off your full balance every month. But if you can do that then you can seriously improve your finances. This is what I do and I’ve never had a moment where I regret it.  In fact, I think it’s the smartest way to manage your money.

Here’s why:

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10 Easter Basket Ideas for 2-Year Old Boys

Looking for Easter basket ideas for your 2-year old boy?? These are the winners in our house!

It’s that time of year again!  The Easter Bunny is on his way and more importantly, spring will soon be here!  Easter can be a really fun day, especially with little ones.  This will be the first year that my son will understand what’s going on (kind of), so I can’t wait to pull out all of the stops!  We’re going to be decorating eggs ahead of time, hiding them, and of course opening up an Easter basket from the Easter Bunny!

In my excitement, I’ve already ordered the fixings for my son’s Easter basket this year and I know how tough that can be when you don’t want to spend a lot and you just don’t really know what a toddler would like.  So here are some great Easter basket ideas for 2-year old boys!  Happy Easter 🙂

Related post: Easter Basket Ideas for 1-Year Old Boys

Related post: 10 Easter Basket Ideas for 3-Year Old Boys

 

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How to Make Money Creating Gift Guides

Creating gift guides are a great way to diversify your blogging income, but they're also easy to do for people without a blog! Here are my tips from years of creating great (and not so great) gift guides!

Before I ever started blogging, I created gift guides using a micro-blogging site that would give you a portion of ad revenue and referral income.  They would hold contests for the best gift guide and I’m a sucker for a contest, so why not?  Before long, I was making a small (very small) side income and learning a lot about what worked and what didn’t in the world of gift guides.

Related post: How to Supplement Your Blog Income Using Hubpages

Fast forward to now where gift guides generate a decent and regular amount of money for me and my blog. It’s a great way to diversify your income, especially if you’re a blogger. But not every gift guide will work!  There is a secret to making them successful.   

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How to Create a Vision Board

How to Create an Effective & Inspiring Vision Board

What if you could look at a picture of your dream life and in an instant it became your reality?  It may seem far fetched, but there is tons of research suggesting it’s possible. Not to mention anecdotal evidence coming from some of the world’s most successful people. And once you know how to create a vision board, you’ll be one step closer to living your dream life just like they are. 

Vision boards have a simple but amazing concept.  If you visualize the life you want, then you’ll ultimately obtain it. They’re an amazing source of inspiration and motivation for basically any goal you could possibly have.

Here is how the classic vision board works:  You gather pictures that embody the life you want to have and you create a collage of the images on a bulletin board.  You should spend time looking over your vision board at least once a day and voila! You’ve got instant inspiration to achieve your dreams.

While creating the classic vision board is pretty easy, I’ve found that they don’t always look that great over time or they’re pushed aside as yet another unfinished project. This is a huge shame because they truly are very effective!  So how do you create a vision board that is effective and inspiring? Follow some of these tips to ensure your success:

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Where to Find Cute Baby Boy Clothes

Shopping for baby boy clothes is easier than you think! There are so many fun options. This list includes all my favorites!

Whether you find out ahead of time or at the moment of delivery, hearing that you’re having a boy is an amazing feeling.  You’re life’s about to change!  Amidst the excitement though, you are bound to experience one tiny twinge of disappointment – no bows, glitter, tutus, or accessories. But it’s ok, you tell yourself, because having a boy will be more fun anyways. And trust me, IT IS.  And best of all? You will be blown away by the cute baby boy clothes that you will come across if you look in the right places.

What you don’t know yet is that baby boy clothes can actually be way, way cuter than anything you can find for a girl!  Not only do boys have their own adorable accessories, but they can pull off being dressed like mini versions of their dads, something little girls just can’t seem to do (or maybe it’s that yoga pants and an oversized T-shirt just don’t pack a punch ;-)).

Here are some of the cutest places to get baby boy clothes (and accessories) that you may not have thought of:

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How to Make Money on Swagbucks

Swagbucks can be an easy way to earn some extra money throughout the year, but you need to make sure you're doing the right things and not wasting your time. Here's what to focus on if you want to make Swagbucks worth the effort!

I’ve been using Swagbucks for a while and I’ll be honest with you – it’s not a game-changer and it’s not going to make you rich.  BUT it’s still an easy way to earn some extra money, especially if you use it for things you would be doing anyway. If you’re lucky it will put a couple hundred dollars in your Paypal account each year, and it can definitely earn you some nice Amazon gift cards that will help out come Christmas time. The key is to know what is worth your time and what isn’t.  

Lucky for you, I’ve wasted enough time for both of, so take my advice and ignore most of the bells and whistles that Swagbucks has to offer.  There’s really only a couple of features that are worth your time, so if you focus on them, you’ll pad your wallet without even thinking about it.  

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The Next Book You Have to Read: The Miracle Morning

It's rare that you come across a book that will truly change your life, but The Miracle Morning will do just that. Click through to find out what you'll get out of this amazing book!

I set out this year with a few different goals. One of them: Read more. I had been making a list of books I’d heard good things about, so when the New Year hit, I knew exactly which book I’d be starting with: The Miracle Morning by Hal Elrod. I even paid for it because I couldn’t find a free copy anywhere and I had a feeling about this one.

Holy Moly.

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How I Cut $500 Off My Monthly Grocery Bill

I'm totally blown away by the results, but by making a few simple adjustments I was able to cut $500 off our grocery bill this month! The best part is that I'm sure that savings will only grow. Check out what you need to be doing!

This year is packed full of goals for me, one of which is to drastically cut my grocery bill… ideally in half. My husband and I are pretty good at not splurging on fancy restaurants, or even eating out a lot, yet still our grocery bill is by far the largest bill we’ve got (aside from the mortgage).  So after the holidays died down, I got to work…and holy moly, what a pleasant surprise!  I made a few big (but ultimately easy) changes and the results were phenomenal – I saved over $500 the first month of my attempts!  As far as I’m concerned, that’s the same as making $500/month, so I couldn’t be happier.

So here’s what I did (and what you should do) to cut $500 off the grocery bill this month:  

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10 Ways to Make Money as an Online Educator

There are so many ways to make money as an online educator nowadays! And if you do it right, they pay way more than anything in a classroom.

When I left the 9-5 grind to stay at home with my son I knew that I would try to find some work to do from home.  What I didn’t know was that the options would be seemingly endless.  In fact, some business that I was in contact with were actually specifically looking for stay-at-home moms.

Since then, I’ve been keeping track of all the amazing options out there for every type of background, because honestly I think everyone should have the opportunity to work from wherever they want – especially if it’s to be able to stay at home with their kids.  So, for the teachers, educators, and infopreneurs out there, this list is for you.  Some are so unbelievable that you can make way more from home than you ever could in a classroom (seriously).

Related post: 50 Ways to Make Money as a Stay at Home Mom

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The Simple Secret to Building Wealth & Paying Down Debt

Building wealth and paying down debt – the unattainable goal that most of us statistically never reach – is ironically very, very simple. Foolproof even. In fact, I think one of the biggest reason that most people don’t build wealth (or pay down debt) is because the real solution, the one right in front of them, is just too simple. It’s boring. It’s slow. It isn’t glitzy and it’s not something to write home about.

But it works.

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