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11 Money Savers That Will Pay for Themselves Over and Again

It’s difficult to ignore what’s going on in the world, but even more severe, the economic downturn here in the U.S. I want to send a message directly to my Dear Readers who’ve been recently laid off or who are feeling insecure about their employment situation: I see you, I’m thinking of you, and I will be your companion every single morning until you’re back on your feet. And after that, too! We’re in this together … and together we are going to come through this and hopefully better for having done it!

I can’t be the only one recalling my grandparents’ seemingly endless references and stories about living through the Great Depression. That’s going to be us and or our kids in the future talking about the Great Virus! Ha.

I have to admit to being a bit of a gadget freak. I’m drawn to tools and devices that do cool things. And when I discover “cool” includes being a money saver, for me that turns a purchase into an investment with a guaranteed rate of return.

Today, a list of 11 gadgets, tools, and items I’ve found that can save a lot of money and generally recoup the cost in less than a year. Your mileage may vary.

You can count on this: Once you’ve recouped the purchase price, these items will continue to save you money—for free! See you there… Love, xo m

P.S. My Dear Readers of faith who responded to a previous message. Wow! There are lots of us. I’m busy figuring out the best way to proceed. I’m so excited—thrilled, and filled with anticipation. Sit tight, or stand by. You’ll hear from me very soon. For anyone who didn’t get in on that, send an email message to [email protected] with “Faith” in the subject line. More soon,


5 Ways a Tax Refund Can Make Your Life Better

Discovering that you’ll be getting a tax refund is certainly not the worst news you’ve had in your life. In fact, it’s easy to see a tax refund as some kind of gift from the universe.

But here’s the truth: It’s part of your paycheck that you should have been getting all along. Plan now for how you’ll manage it or your refund could evaporate into thin air. You have options—at least the five that follow. Choose well. The decision you make for what to do with that check could change your life …


Dumb Things To Do with a Tax Refund

Tax time—that interesting time of year when ordinarily smart people begin to make really dumb financial decisions. Isn’t it amazing to watch what a little extra cash (well for some, maybe a lot of extra cash) lining the pockets can do?

Last year, the U.S. federal government paid out $260.9 billion in tax refunds, at an average of $$2,725 per refund. And 61% of taxpayers expect that this year, they’ll receive some sort of refund on their returns.

While there are many dumb ways to spend it, here are my top five …


How to Stay on Track with a Rollercoaster Income

If you are among the millions of people in this country who don’t really know how or when they will see another paycheck, chances are you’re either unemployed or self-employed—which now that I think about it, being self-employed can be a lot like being unemployed except for an unemployment check. It’s a rollercoaster, baby! If […]


Online Bill Pay—What it Is, How to Use It, and Why You Should

Online bill pay, a service now offered by most banks and credit unions, makes it easier to organize your bills and pay them when they’re due. If you juggle rent or mortgage, cable, electricity, credit card payments and more, online bill pay can save time and help you avoid late fees.

I know how even the idea of paying bills this way can be frightening, but you have to know that statisticially it is much safer to pay your bills this way than the old way of sending paper checks through the mail.

In today’s post—everything you need to know to feel confident and to get started. If you already use online bill pay, please tell us about your experiences, joys, or even sorrows (?)—in the comments. See you there … Love, xo m


The 1-Percent Savings Solution

Want a simple, pain-free plan to increase your savings in 2020? Now’s the time to start thinking about that. I know, you’ve barely survived the biggest spending season of the year. Who’s thinking about saving today? I hope it’s you!

I have a super simple, foolproof way to do that into today’s post.

I’ll see you there! Love, xo m