Lifestyle

Couples And Money: Pillow Talk With Big Daddy

Couples and money. See what this couple had to say about money management.

In honor of Valentine’s Day, my husband agreed to let me share some of our private money conversations, as long as I don’t go too far. Big Daddy is the nickname I have for my husband, but for those of you who don’t know, his name is Willliam. Now because of our busy schedules, most of our talking is done late at night. Get your mind out of the gutter, hence the title Pillow Talk. When we decided to write this blog post, it took many different directions. I wanted to vlog but he didn’t, so my blogging coach Javacia, suggested an interview style post. With his approval that is what we went with. So here are the musing of late night chatter between me and Big Daddy. I call it interview with a Vampire lol just kidding.

TBT: Do you remember when we were broke and could barely keep a roof over our heads?

BD: How could I forget? You won’t let me. Every time I get ready to spend money you always remind me of those lean years.

TBT. I remind you cause one of us has to have sense when it comes to the money.

BD: I do have sense girl quit playing. I am not going to do anything to drive us back to the poor house.

TBT: You better not, cause you will be on that drive by yourself, think it’s a game.

BD: Remember you said for richer or for poorer till death do us part.

TBT: Yeah I remember, so what color would you like to be buried in. You can always ride to the poor house in a hearse.

TBT: What would you advise couples who find themselves in the same situation?

BD: Well, I would tell them what I heard you say while we climbed out of our situation and that was, ” This won’t last forever, we have just got to stick with the plan.” (Y’all, I can’t believe he remembers that he doesn’t remember what I want from the store most of the time)

BD: A couple has to have a plan, but before they can begin to plan they must have a goal. Goal setting is important in finance. Our goal was to get out of debt, start saving money, stick to a budget and plan for legacy. I can remember sitting down with you trying to figure out where all the money was going. I won’t point fingers but what I will say is that both parties have to acknowledge their part in getting into the situation they are in.

TBT:  Yes, all of that is true. We both came from backgrounds that caused us to spend for different reasons. Mine was because I was used to having the best of everything and you well you weren’t. Both need to sit down and figure out what is important and what they want their financial life to look like.

TBT: If you had to advise a young couple on how to achieve what we have achieved what would you tell them.

BD: Girl you not sleepy yet? Ok I know you just want to see if I was paying attention all these years. Here are my tips

  1. Be open about your spending habits before you say I do. I think if we both had really known how the other one viewed and spent money we would have avoided some of our problems. Also, couples need to make each other aware of any debts they are bringing to the marriage. Don’t be afraid to tell the other person if you do or don’t know how to manage money.
  2. Be clear on who will pay what. If one earns significantly more than the other divide the bills accordingly. I remember we were in so deep that you wouldn’t let me touch any money until all of our living expenses were paid. Then we had to work on my debts and then if there was anything left we divided it. We did this until all of my debts were paid because you took the easy way out and filed bankruptcy.
  3. Set financial goals together. Know what you value that way you can spend or not spend accordingly. You and I value the same thing, family and leaving a legacy so it was a no-brainer on how to set our finances to do just that.
  4. Set a budget. I swear if I go one cent over budget I know you will be angry. It may take some time to figure out a budget that works for you but you have to keep at it until it works. Don’t give up!
  5. Make financial decisions together. If there is a purchase to be made, discuss it. I remember when we used to decide how much we were going to spend at the grocery store. You would have that darn list, all those sale papers, and coupons. I would hate going to the store with you, but it was fun watching you save on the grocery bill. I used to think it was dumb that we talked about every purchase, but when I look back it was one of the best things ever.

TBT: I think those are great tips Big Daddy. We both learned some very important lessons back then that have served us well over the years.

BD: Yeah we have girl now can I go to sleep?

TBT: Yeah boy go to sleep.

BD: Give me some lip and turn off that light so I can get some shut-eye old crazy girl.

Well there you have it, I always give my tips but on this Valentine’s Day, I let Big Daddy give his. I hope you couples out there enjoyed his rare appearance on the blog. Happy Valentine’s day from The Threadfords!

*Part of Financially Savvy Saturdays on brokeGIRLrich.*

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The Ultimate Guide To Saving On Spring Break Activities

Spring break can be affordable, if you make the right moves. This ultimate guide will help you plan the perfect spring break on a budget.

Spring break is right around the corner. What will you do with your children for this much needed week of relaxation? Whatever you decide to do whether travel or take a staycation and visit local sites, it doesn’t have to leave you penniless when it’s over. Today I will tell you how to make the most of your spring break on a budget.

I have grandchildren around the same age as my nieces and nephews, so they enjoy doing some of the same things. My sisters and I have a fun spring break planned for the children. That brings me to how we are doing spring break this year and how you can do it without going to the poor house.

1) Plan ahead

Do you and your friends or siblings have children around the same age that like to do the same things? If so then consider pooling your resources. Last summer, my sisters and I sat down and planned the children’s spring break. We decided this year we will stay in our great state of Alabama, a staycation of sorts.

2) Pool your resources

Since we have seven youngsters between us to entertain we all pitched in and rented a room at a local hotel that has an indoor swimming pool. We rented it for the weekend using my FREE AARP discount. My husband qualifies for AARP and I get the privilege of a free spousal membership, even though I am still a tenderoni.  What discounts can you use to save on fun activities? Does your city or state have an entertainment book with coupons? Are you a military family? Does grandma or grandpa have any discounts they can use for you?

3) Find free or low-cost activities

While our state parks aren’t exactly free, the one we are visiting is only $5 a carload. My sister drives a suburban and we can all fit. Let’s see $5.00/3 adults is roughly $1.67 each. Then we all pitched in to rent a cabin for two day’s, so the children can go hiking on one of the beautiful nature trails. We are all pitching in to buy groceries so we can cook in the cabin and make smores around a campfire.

4) Set a budget

Mind you I have four grandchildren that I will be spending spring break with. So before the pooling resources activities begin, I still have to do things with them for four days. I get them the weekend before spring break so that weekend we will stay in and watch movies. Did I mention those movies will be on Netflix which is only $12 a month. Watch away little grandbabies watch away. The Monday and Tuesday of spring break, we will visit the Birmingham Museum of Art where admission is free. We will also visit some notable landmarks here in our city that are free. My budget for those four day’s is $100. We will eat breakfast at home, and pack a fun lunch to have while out and about.

For those of you who opt to go out of town, check resort or theme park websites for discounts. You never know what great deals you might find. Also, if you are going out of town try and visit somewhere you have family that you can stay with. Make sure to offer a token of thanks in the form of cash for the stay.

Don’t have any family where you are visiting? Not a problem. If the place you are visiting is a vacation/destinations hotspot, try booking your room at an adjoining town. Some of them are just as beautiful as their popular neighbors and could prove to be more affordable.

Whatever you do for spring break, have fun, be safe and don’t break the bank.

*Part of Financially Savvy Saturdays on brokeGIRLrich.*

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5 Clever Inexpensive Gifts For Valentines Day

Valentine's day is right around the corner, here are 3 clever inexpensive Valentine's day gifts that are sure to put a smile on your special someones face

Ahhhh love is in the air, Valentines Day is right around the corner. Now love doesn’t have to break the bank. I mean it is not about how much the gift costs, but the thought behind it right? I don’t know about you, but I don’t want to go broke trying to show my husband how much I love him and how much he means to me. Here are five clever inexpensive gifts you can give your honey for Valentines Day. I know the picture below says Christmas, but I love this pic of me and my funny valentine.

  1. The What I Love About You Journal- This is a cute little journal. Although I purchased it, I will not be giving it to my husband just yet. I was looking for something sweet and intimate to present to him on our 25th wedding anniversary in October of this year. This gift is economical and is perfect for a sweet token for Valentines Day. You can find it at KnockKnockstuff.com  for $10.00. It even includes simple prompts to make it easy for you. 5 clever inexpensive gifts for valentines day
  2. Personalized Collar Stays- Now this is the gift I am giving William for Valentines Day! He is a sharp dresser and I love to make sure that he has his signature style, with a pop of extra pizazz. These are sure to be a favorite for him. You have these bad boy’s inscribed with whatever you like. His say I love you. W&T 25 and Big Daddy (that’s what I call him). This set of 3 comes from Personalizationmall.com  hurry while they are on sale for $22.49 regularly $29.99. 5 clever inexpensive valentines day gifts
  3. Affordable Romantic Getaway- Groupon is my jam when it comes to quick getaways. Why not book a romantic getaway through Groupon? Whether the trip is right here in the states or abroad, Groupon has some great deals I’m sure your Valentine will love!
    image for Waterfront Inn in Pacific Northwest
  4. Romantic dinner for two- In my opinion, there is nothing like a homecooked meal. We rarely eat out as it is. This year, it is his turn to cook. I’m sure he will make something scrumptious, as William is an excellent cook. Besides, there’s no line or a long wait at home and reservations are always available.5 clever inexpensive gifts for valentines day
  5. Redbox movie- One of my favorite things to do is just spend quality time with my husband and watch a good movie. This Valentine’s day hit up your local Redbox, rent a romantic movie and enjoy each other. 

I hope this guide gave you some ideas on how you can show your Valentine a little love without breaking the bank. For more savings ideas, be sure to visit 10 Ways To Save On Valentine’s day and Unexpected Ways To Save On Valentine’s Day. What do you plan to give your significant other for Valentine’s day this year? Drop it in the comments below. Besides dinner, I wonder what he got for me, I can’t wait to see. I know one thing, he better not have gone over our gift giving budget.

 

 

 

 

 

 

Disease Called Debt
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Guest Post: How to Spot the Signs That You Might Be Living Beyond Your Means on Your Credit Card


How to Spot the Signs That You Might Be Living Beyond Your Means on Your Credit Card

 

Today, I would like to introduce to you Patty Moore, a newish blogger at workingmotherlife.com She has some amazing tips and insight on how you may be living beyond your means on your credit card and way’s you can stop. I’d like to welcome her to my blog and to the blogosphere. You can connect with Patty on her blog referenced above and on Twitter at WorkMomLife!


It’s actually not that difficult to know when you might be living beyond your means on your credit card. By definition, you are living beyond your means when you need a credit card to fund any part of your lifestyle. But, it doesn’t usually dawn on people that they have a real problem until they are knocking on the door to credit card hell. Right now there are millions of Americans carrying an average balance of nearly $16,500 on their credit cards who are knocking on the door, beyond which is a life of financial servitude and dashed dreams. You don’t have to be staring into the abyss before realizing you have a problem. Just look out for the following signs.

You Carry a Balance on Your Credit Card

If you carry a balance month to month, it means you are spending more than you can afford. It may have started innocently enough with a small splurge and the rationalization that you would pay it off in a few months; but, because you are spending money you don’t have, it difficult the find the money to pay it off. Soon, you get accustomed to carrying the balance and build the monthly payments into your budget.

You know your credit card balance is getting high when you don’t bother to check it because you know you can pay it off anyway.

You Can’t Pay Any More than the Minimum Payment

If you continue with your spending habits — using the credit card to pay for things you can’t afford to pay for with cash — your balance increases. Unless something changes with your income or your budget, you will continue to carry a balance and it will grow. When your balance grows to $5,000 and you can only afford the minimum payment, you will spend more than $8,000 over 13 years to pay off the balance. When you start living your life making only the minimum payments, it’s time to reevaluate your lifestyle.

You Play the Credit Card Shuffle

The credit card shuffle is like robbing Peter to pay Paul. You’re juggling payments between the cards because you don’t have enough money to make the payments on time. You might make a payment on one card and take out a cash advance to pay another card.

You Can’t Qualify for a New Credit Card

One of the first things people do when they get into credit card trouble is to apply for another credit card. The day finally comes when you can no longer qualify because you’ve run up your credit utilization and you’re only making minimum payments, which causes your credit score to fall. If your credit card spending results in a late payment, you’ll have trouble getting another credit card for a while.

Budget? What Budget?

You may start out with a budget, but, when you start using credit cards to meet your living needs, the budget becomes obsolete. A part of it is denial because you don’t want to see how badly you’ve blown your budget. The other part is it is the recognition that you can’t really afford the lifestyle you are pursuing. If you had stayed strictly within your budget, to begin with, you wouldn’t be in the mess you’re in. Getting back on a budget is the only way out of the problem.

You Have No Savings

This really should be your first clue. If you aren’t saving money for an emergency or for your financial future, you could be on the road to financial ruin, especially when you carry credit card debt. What happens when you do have an emergency — your car blows up or you have a big medical emergency and can’t work for six months? A lifestyle pursuit should be put on hold until a six to 12-month cash reserve has been built up and you have the ability to set aside 10 percent of your income in savings.

When You See the Signs

The worst part of getting into credit card trouble is it’s a lot like getting into quicksand. Unless you do something immediately to get yourself out, you will only struggle and sink further. At the first sign, you should take these essential steps to correct the problem and turn things around.

  1. Reevaluate your lifestyle needs. You may have tried to bite off more than you could chew with your lifestyle choices. It’s time to get back to the basics of what you really need at this time in your life.
  2. Stop using credit cards. Put your credit cards on ice and commit yourself to cash. It guarantees you will only buy things you can actually afford.
  3. Establish a strict spending plan. Budget like you really mean it. Cut out the non-essential spending until you pay off your debt. Build your budget around your top priorities, which are to pay off debt and save.
  4. Set a goal to become debt and credit card free. You’ll enjoy the taste of financial freedom much more than an expensive dinner you can’t afford. Thinking about refinancing your credit card debt using a personal loan. Personal loans are relatively easy to obtain. They offered by a wide variety of financial intuitions including traditional banks, online lenders, and credit unions. By using a personal loan, you can lower your total interest expense and expedite your debt payoff.
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10 Steps To Getting Out Of Debt

Being in debt can be stressful, I know, I have been there and done that. No matter what your circumstance is, if you signed for a loan, you are obligated to pay it back even if you have a life altering experience like losing a job, getting into an accident, or even if you have increased expenses due to having a child.

Sometimes debt can just be an unintended consequence of too much holiday spending — or overspending any time of year. Many people try to get out of debt, but life slaps them in the face so hard that they give up. But that doesn’t have to be the case. There are so many people who are getting out of debt every single day, and not only that, but they are getting out of debt in a short period of time.

So if you’re ready to get on a path to financial freedom, it’s important to have a plan for how you’re going to tackle that debt! Follow these 10 steps to getting out of debt, and you will be free in no time.

 

If your bills give you anxiety and your debts are getting in the way of other dreams, it may be time for you to follow the path of these 10 steps to getting out of debt

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11 Money Tips for Older Adults

 

Getting older isn’t all bad. If you’ve accumulated wealth over your working years, it can be the time to enjoy all of that hard work. But financial stresses often arise, including budgeting concerns, income limitations and even fraud. These tips will help older adults ensure their cash lasts as long as they do.

 

Getting older isn’t all bad. If you’ve accumulated wealth over your working years, it can be the time to enjoy all of that hard work. But financial stresses often arise, including budgeting concerns, income limitations and even fraud. These 11 money tips for older adults tips will help ensure their cash lasts as long as they do.

Budget carefully.

During retirement, income tends to be lower than it was in the prime earning years, and that means older adults need to look for ways to limit expenses to make their nest eggs last. One key is to track living expenses to make sure you don’t burn through savings too fast.

Don’t be too generous.

When grown children are struggling with their own financial lives, it can be tempting to open up your bank account to them. The problem with this approach is that it can stress your finances and lead to family tension. It’s important make protecting your money a priority, even while trying to help your children.

Plan with your partner.

Even if you’ve been married to your spouse for years, it’s possible that you have different visions of how to spend your retirement years.  Once you know about your spouses hopes and dream, you both can start planning for it.

Make sure your bank is on your side.

Some banks cater to older clients more than others, with perks such as using larger print in communication, meeting outside of the bank and speaking clearly without being condescending. Asking about your bank’s age-friendly policies before you need them can help ensure you don’t get frustrated with its policies later.

Put fraud safeguards in place.

Older adults are at a greater risk for financial fraud, but there are ways to reduce that risk. Family members can be alerted to large withdrawals from accounts. Debit cards can be programmed to only work in certain locations and names and numbers can be placed on “do not call” lists.

Prepare for cognitive decline.

When it comes to managing money, signs of cognitive decline tend to show up in one’s 60’s and 70’s. It can become harder to manage bills, calculate tips and make change. Sometimes adult children or others can help prevent bigger problems, like falling behind on bills, by noticing those red flags and stepping in to help.

Keep learning.

While cognitive decline is real, other research suggests that older adults with higher levels of financial literacy are more likely to have higher wealth levels. Understanding concepts of investment risk and the stock market is associated with the ability to build and preserve wealth.

If you’re active on social media or have an extensive digital library or music or books, you’ll want to consider how to pass on those digital assets when you die. You can include your wishes in your will, pick someone to share account information with and restrict your privacy settings now so you’re not oversharing personal details with strangers.

Get money help from your adult children.

Adult children can often play a useful role in helping their parents manage money as they age. It’s important to enlist the support of children before experiencing a crisis or cognitive decline, so they know the basics of where to find account information if they need to. Talking through plans and wishes, and even writing out an overview of how you want to manage money as you age, can also help.

Consider launching a business.

Starting a business in midlife or later can add to your income in retirement as well as bring a measure of professional and creative satisfaction even after you leave your day job.

Teach your grandchildren about money.

Grandparents can play a significant role in teaching grandchildren about the value of a dollar. A 2014 survey from TIAA-CREF found that many young people say they are open to talking about finances with their grandparents, but only a small percentage actually have those conversations. Still, most grandchildren say their grandparents do influence their financial habits.

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Are You Making These Mistakes With Your Debt?

debt mistakes

Do you know why paying the minimum payments is a long term trap set up by credit card companies? If you’re in debt, do you know why you should follow the strategy of big banks to get out of debt? These are innocent mistakes made by consumers who are trying to get out of debt. But these mistakes are small potatoes to the most common mistake of all – Not knowing how credit card companies use YOU to create profits.

 Here’s the problem:

Competition for profits in the credit card industry is at an all-time high with new payment technologies coming out that are squeezing company’s profits. These companies must find new ways to push profits, even at the expense of the consumer. So few people even know about these strategies, it gives you an almost unfair edge.

Here’s what you should do:

1. Follow Big Business

If you’d like to get out of debt, the best way to learn is to see how big corporations handle debt. They learn how to make debt work for them and use it to profit. They clearly understand the loopholes that banks and credit card companies don’t want you to know.

2.  Avoid The Monthly Payment Trap

First realize that your monthly payment is calculated by the banks to MAXIMIZE their profits. Companies don’t have interest in you paying off your credit card debt because that hurts their profits. Realizing credit card issuers are companies looking to maximize profit at your expense is helpful to getting out of debt.

3.  If you get in too deep, get help

If you get to the spot where you’ve gone 6 months or more and the amount you owe on your credit cards is not decreasing, then seek the right kind of help. You still have a number of options to get out of debt using the money you already earn and without hurting your credit.

Remember, debt doesn’t have to rule your life, your marriage and your family. You can be debt free if you take action on the right information.

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Debt Keeping You Up At Night? My 3 Most Effective Steps To Pay Down Debt

Pay Down Debt
Pay Down Debt

 

I remember a time when I could hardly sleep at night,I was plagued with debt. I would lay awake thinking about all the debt I had looming over me, wishing that it was some magic debt elimination pill that I could take to erase all my debt. With five children, I kept sinking deeper and deeper into debt and there just didn’t seem any way out.

With a new year approaching, many of you may want to pay off debt. If my story sounds familiar, read on. Because I’m about to share 3 tips to help you pay down your debt and get a good night’s sleep.

The truth is, you have all the tools you need to change your financial picture today. I’m here to tell you that you CAN end the madness and put yourself on the road to safe and easy recovery with just a few simple steps. Just like any tough situation that seems impossible to change, it takes a bit of time. But, once you get on the right track, the road to a debt-free life is painless and incredibly freeing and rewarding. Let me show you an example, below you will find an actual MasterCard debt of mine from about 22 years ago:

Debt Balance MonthlyPayment Interest Rate Months toPay Off
MasterCard $972 $24 22.9 6 yr, 6 mo
  1. Pay off high-interest rate debts first

This is more than a rule of thumb in the debt relief business, but most people don’t understand it until they see it in print. Once you pay off your highest interest credit card debt, you will start seeing a complete change in your financial picture.

One way to do this is obvious – pay more than the minimum payment, right? For example, if you paid just another $24 per month on the MasterCard account, you can pay it off in just over 2 years – not 6 years! Plus, all the extra interest you would have paid to the bank goes into your pocket – not theirs! You might think, “easier said than done”.

  1. Review daily expenses

It actually is easier than you think. Have you ever taken the time to review all of your extraneous expenditures? For example, how much do you spend on expensive coffees, beauty treatments and shipping from online purchases? I’m guessing that it is a lot more than you think.

Reducing and eliminating your unnecessary expenses will, most definitely, add up and you will be able to fold the extra cash into higher monthly credit card payments. Just another $24 could be all you need! But you need to start with a reality check of your actual spending beforehand, especially incidentals. Are you ready?

  1. Negotiate interest rates

This is a tip that is rarely considered by those who are in debt. Did you know that some credit card companies are willing to reduce the interest rate for a set period of time if you speak with one of their customer service representatives? Believe it or not, you may have more power than you think, particularly if you mention a strong interest in transferring your balance to another financial institution.

Get started today!

Start with my top three steps and you will immediately see a difference in your financial outlook for the future.

  1. Pay off high-interest rate debts first
  2. Review daily expenses
  3. Negotiate interest rates

I have many more pertinent and effective steps you can take, but do yourself a favor and get started today. Then you can breathe a sigh of relief and know your life’s pendulum is going to swing toward positive change.

Have the debt free life you desire!

Tracie B.Threadford,

Your money make up artist

Contouring your pockets, lifting your bottom line and highlighting your future

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Protecting Your Identity during the Holiday Season

10 way;s to protect yourself from identity theft
Protect Your Identity

The holiday season is in full swing! This can be one of the busiest times of year as we juggle office and school holiday parties, gift purchasing, and family celebrations. This is also the biggest shopping season of the year, making holiday shopping hot-spots, including brick and mortar stores and online retailers, primary targets for identity thieves. Don’t take protecting your identity for granted now or anytime.

The Grinch is real and here are six simple steps that you can take to help protect yourself from him this holiday season (and year-round):

6 Steps you can take to protect your identity

  • Be aware of your surroundings while shopping.
    Is someone standing too close behind you in line? Are they taking pictures with their cell phone? These could be signs of “shoulder-surfers” who try to take a picture or write down your credit card information from behind. To limit the opportunity of shoulder-surfers only have your credit card out while your transaction is taking place and use your hand to cover important information such as your credit card number, pin number, and name.
  • Limit what you bring and/or carry with you.
    When you are shopping, it is important to have your hands free. Limit what you bring with you shopping so that you are not constantly sitting down with a purse or other items that could be forgotten or left behind. It is important to carry your driver’s license, but do not bring extra credit or identity cards with you. Your Social Security ID card should definitely be left at home in a safe place.
  • Protect your smart phone.
    Smart phones are designed to put information at our fingertips.  Many people use their smartphone for banking, online shopping, and to track personal information.  Be certain to have safeguards in place on your smartphone in case it is lost or stolen to prevent someone from instantly gaining access to all of your personal information. If your smart phone has an auto-lock, consider setting up a unique passcode. Automatic log-in on apps and the “remember-me” feature on websites can be very handy; however, they also allow a thief instant access to your personal information.
  • grinch-2images-1Shop with cash or credit.
    Shopping with cash is a great way to limit your holiday spending and stay within your budget. However, some individuals may find it more practical to shop with their credit or debit card. Use your credit card instead of your debit card. Your credit card will offer additional protections if it is lost or stolen as compared to your debit card.
  • Be mindful of your accounts.
    It is easy to overspend during the holiday season. Being mindful of your accounts and transactions will help you stay both within your budget and aware of any fraudulent activity. Double-check your transactions to make certain that they match your purchases. Often credit card thieves will only make small dollar amount purchases to make it less likely for you to notice the transactions on your bill.
  • Safety first, when online shopping.
    When shopping online, you are often entering a tremendous amount of personal information, including your name, phone number, address, etc., not to mention your credit card information. Always make certain that you are using a personal/home computer for online shopping. Public computers, like those at work or the public library, may store your information that someone could access later. Be certain the website you are using is secure. Once you enter into the shopping cart phase of a website, the web address should have an “s” after the http. The “s” indicates that your data will be transmitted securely. Also, be certain that you are on a legitimate retailer’s site. Knock-off websites do exist and at times it may be difficult to tell the difference from the real thing.

Safeguarding your identity is important year-round. The strategies to protect your identity are easy and quick to introduce into your shopping routine.

Tracie B. Threadford

The Money Make Up Artist

Contouring your pockets, lifting your bottom line and highlighting your future!

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Frugal Friday

Frugal friday
Frugal Friday

Okay, so if you have been following me any length of time, you already know that I am frugal. I am a staunch proponent of saving money whenever and however possible. Take a look at the video below and learn just how I save money on breakfast and lunch while at work. This, and other lunch and breakfast techniques, has saved me countless dollars

 

 

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