Your HVAC – or heating, ventilating and air conditioning – system is one of the most major components in your home. Not only is the equipment itself vital to keeping your home livable year-round, but it is also expensive. On top of that, the energy that your furnace and air conditioner consume is considerable, which [...]
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Doing a room make-over can be a lot of fun but a big challenge Gathering all the supplies and picking out all of the items can be a total blast. Nevertheless it is also very easy for things to get out of hand and go over your budget in no time. One thing leads to [...]
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Do you want to invest in something but you aren’t sure where to start? Here are some tips to help you out! Types of Investing There are several different types of investments that you can make: • Stocks • Bonds • Mutual Funds • Company Shares • Real Estate • Precious Metals • Futures It’s [...]
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This post is for our friends in Australia. Do you know how the price of your energy compares to the price of your neighbours’? Different energy retailers have different agreements with energy distributors, which means that the cost of energy in your area can vary from one retailer to another. As a consumer, you have [...]
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One of the best things about living in this day and age is being able to file taxes online. The days of dreading doing your taxes and spending weeks frantically tearing your house apart looking for receipts are over. Computers, software programs and affordable tax prep services have made the process of doing one’s taxes easier [...]
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Checking your bank account can help you avoid overdrawing funds or missing bill payments. But, how can you keep track of account activity in today’s on-the-go culture? Most people have abandoned the checkbook registries of the past and rarely get a paper statement in the mail. That’s why so many banks have text message alerts [...]
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My Pension Expert recently devised age-based guidelines for retirement savings which include a number of savings targets to galvanize individuals into taking the plunge and to plan more responsibly for their future. How much should you aim to save for your retirement? Ideally you should have started saving by the age of twenty-five. At this [...]
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Fighting procrastination is difficult for many of us, especially if you work from home. But there are ways to ensure that your home is a procrastination-free zone. Here are six ways to use procrastination positively. Clean environment If you’re studying or working at home, make sure your working environment is clean and tidy. Mess makes [...]
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One thing that will not change after you retire is your required tithe to the IRS. That probably doesn’t surprise anyone, but many people fail to account for tax requirements during their golden years. Just because your annual income will decrease, that doesn’t mean you won’t have some hefty taxes to pay. Here are a [...]
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A sunny climate isn’t the main reason Americans head for the UAE, but it certainly helps. Actually, one trait of the UAE’s tax system that causes an American to wave goodbye to the US is that you don’t have to pay income tax there. If you successfully apply and register asa UAE resident for tax purposes, you’ll become exempt from income tax payable to the US Government. There’s no escape from the council tax, though. Combine this [...]
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Hi, I’m Cathy! I’m a former career-driven professional turned stay-at-home mom. Living on one salary has its challenges, but it is possible to live the good life while spending less. Cool to be Frugal is all about how we’re thriving, not just surviving, on a single income.
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