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frugalMany people can see frugality as being cheap and stingy. However, being frugal doesn't mean you have to make sacrifices.

Here are six ways that you can be frugal without feeling deprived:

Realize Your Priorities

First things first, you have to know where your priorities are. Why spend money going out when you prefer to stay home? Why would you spend money on a huge house when you'd rather travel more often? By realizing your priorities, you'll be able to cut out unnecessary spending and enjoy spending your money on things you actually care about.

Also, instead of saying " I don't have the money for that", you can say "That's not a priority for me right now."

People won't be able to call you cheap if they know where your priorities are. Plus, this keeps you from feeling guilty when you'd rather not spend the money on something you'd rather not be doing. ...continue reading

deploymentPreparing for and dealing with a deployment is hard. If you are a service member, or if you are a spouse going through a deployment, trying to save money during deployment can be a daunting and critical task to take on.

However, there are ways to cut costs, save money, and still pay your bills on time. Here are a few tips to help you save money during deployment.

Servicemembers Civil Relief Act

If you aren't familiar with it yet, the Servicemembers Civil Relief Act gives legal rights to anyone being deployed and also extends some coverage to the spouse and family members of the service member. This is a big deal if you are trying to save money during deployment. Instead of paying bills you aren't using (like car insurance, phone bills, etc.) you can pause these contracts, or may be able to break them altogether.

Save Deployment Pay

There are many different ways that a service member can receive pay while deployed. Sometimes, you may qualify for additional compensation as well (based on the type of deployment and if the service member has a spouse/dependents).

There are times where deployment pay may be lower than traditional paychecks. However, if you find yourself earning more during deployment, throw the extra money into a savings account that you can't easily touch unless for an emergency. This will allow you to save money during deployment without losing out on too much income. ...continue reading

spend less drivingAs kids, we’ve always dreamed of growing up into the cool adult with the nice car. We soon discover that dream cars are a dream for a reason: they are expensive. Now, you’re all grown up and still dreaming of that vehicle. But a car lease may be your solution.

How to get a car

These days, it is so easy to get a new car. If you’re looking for a used one, there’s plenty of online sellers who can give you a good deal for one. But the risks is that you don’t know what they did to the car or if anything is wrong with it.

That’s why others opt to get a car loan, wherein a bank or a finance company pays for the car, and the buyer makes the monthly payments. And of course, the car lease.

The car lease is the most enticing of it all because it guarantees a working vehicle for a fraction of the cost compared to car loans. But is it for you? Here are a few pros and cons of leasing that can help you decide if you should take a loan or a lease. ...continue reading