cheap summer partySummer is typically the perfect time to throw a summer party because everyone will most likely be able to attend! If you have a ton of family and friends, a party is a perfect way to get everyone together. But how do you throw a cheap summer party that everyone will enjoy?

No Invites to Cheap Summer Party

In today’s age, many people are a social media event or text away. It may seem impersonal, but inviting your potential guests this way can save a ton of time and money on your end. Mailing so many invites can be expensive in the long run! That’s not including that you have to buy them in the first place.

If you must send an actual invite, try delivering them by hand rather than mailing them! For most people, their guests will be closer to home than not, so hand delivering can save some cash and be a little more personal too.

Buy Cheap Decorations

Decorations are fun and can add ambiance to a cheap summer party, but you don’t have to spend a small fortune on them! You can even find more than just decorations! Most dollars stores have everything from serving platters, to goody bag ideas. I try to go to my local dollar tree first to get the bulk of the items that I need, and I’ve always spent less than $50 during each party. Talk about frugal decorations!

If you don’t happen to have a dollar store near you, you can always try hitting up dollar “spots” at any local store in your area. Another great area is clearance racks or sales in the back of the store. You may have to do a little more digging, but it is possible to get your non-food items for a lot less. ...continue reading

tutorBeing a student is supposed to be a great life experience for everyone. You get to meet new people and learn both academic and life lessons. Unfortunately for most people, this is rarely the case because they are short on funds.

To help students cope with short finances, the tips below have been drawn up to help them have a more convenient and less financially stressful academic experience.

1. Get a job

The surest way to expand your income as a student is to get a job. The added income is bound to enable you live the student life you want. But be careful not to pick a job that’ll interfere too much with your academics.

A job that’s in line with what you’re studying will be most suitable because it’ll look good on your résumé.

2. Pay rent and bills on time every month

Bills are an unshakeable reality of life. Regardless if you are a student, employer, or employee, there will always be bills to pay. But one efficient way to manage your finances is to ensure all your bills as well as your rent are paid on time.

The reason for this is, ignoring bills won’t make them go away. Instead, they’ll just build up over time and leave you with a larger and more daunting debt to settle. ...continue reading

We all have quirks in our personalities, particularly when it comes to spending. Whether you’re in good financial standing or not, sometimes these qualities can keep you from achieving your financial goals. Fortunately, whatever your personality, there are ways to ensure you are not holding yourself back. Here are six personality types that can keep you from financial success and how to spot them:

1. The Spender

The spender may have the “you can’t take it with you when you go” attitude. They may spend well beyond their means and swipe credit cards to their max. Unfortunately, this can be a quick way to incur massive amounts of debt and hurt your chances for financial success. If you’re not saving, you’re not helping your future. (You can see how your habits are affecting your finances by viewing two of your credit scores for free on Credit.com.)

To avoid overspending, it’s important to not only create a budget to track your habits but to try and find the triggers that cause you to spend in the first place. Whether it’s your emotional state or the shopper’s high you get from a purchase, addressing these triggers can help you curb your spending.

2. The Risk Taker

Perhaps you like to take risks with your money. High risk can lead to higher rewards, right? At times, yes, but they can also leave you with less. For example, just because you are approved for a mortgage doesn’t mean you can afford that amount. If you take a risk on this purchase, you may stretch your budget beyond its limits. Finding the right balance can help you limit risk and keep you on track for long-term financial success.

3. The Procrastinator

You’ve heard the phrase, “Don’t put off for tomorrow what you can do today.” So if you’re ignoring or putting off your fiscal responsibilities, you could be spelling doom for your financial wellness. Making late payments, waiting to save for retirement, letting bills pile up, or putting off goals are all common examples of financial procrastination. Putting your finances aside will only make things worse.

Consider taking a bit of time each day or week to work on your finances. Also, you may want to sign up for automatic payments, which can make it easier to keep up with due dates. ...continue reading