Have you dreamt of starting a business but lack capital? Or do you fear getting a loan and starting off a new venture in debt? Here are five businesses that you can start today with little or no capital. And most of these businesses can be started in your spare time so there’s no need [...]
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For some people, money is no object. For the rest of us, money isn’t as available as we’d like. We look for ways to make every dollar count, especially during times when the economic outlook isn’t particularly rosy. By not spending unnecessarily and, when we shop, by spending wisely, we do what we can to [...]
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If you have or are a young adult who recently left for college, your last advice to her may have included a caution to take good care of her credit rating. You’ve stressed how important it is to develop financial responsibility and maintain a good credit rating. You may have helped her apply for her [...]
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Everyone knows that the year you have a baby, you typically see a generous tax refund, but it doesn’t stop there. It is unfortunate that many parents are not aware that being a parent means that certain things can be deducted, year-after-year. Childcare Credit Most don’t realize that there is a difference between a deduction [...]
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Hardly anyone in their twenties thinks about retirement, much less plans for it. Who has time to plan for something that’s forty or fifty years away (especially if bills or student loans are due right now?) Retirement could hardly feel more remote, but this feeling is an illusion. Delaying retirement planning forces you to play [...]
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No one comes out of the womb being financially responsible. It is a trait that is learned over time. The great thing about teaching others how to handle finances is there is no age limit for those who can learn. Parents who want their kids to grow up to be financially responsible adults should allow [...]
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As far as being frugal goes, nothing stings quite like a major loss. Whether home foreclosure, vehicle repossession, stock market losses, business flop or bankruptcy, financial trauma in the form of a monumental investment loss or debt surrender can obliterate your frugal efforts going back decades or more. While the final hour is certainly not [...]
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It’s a fairly common belief that growing your own fruits and vegetables can save you time and money over going to the grocery store to buy produce that isn’t even nearly as fresh. I mean, a packet of seeds will cost you, what, $1.99? While a pound of that same vegetable will cost the same [...]
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Successfully feeding your family on a budget is all about eating better and spending less doing it. It’s about having to monitor or cut your weekly grocery bill and getting the most out of every meal. Feeding your family on a budget involves meal planning and buying the best produce that you can afford as [...]
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Most people associate recycling for money with picking up stray cans out of trash receptacles. The very idea seems a bit uncouth, and regardless of your financial situation, you may not feel so hot about losing whatever is left of your dignity. However, there are other less severe ways to recycle goods to earn money [...]
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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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