New to BFS? Please click here to get started.
You can also sign up for my FREE Weekly Newsletter to get access to EXCLUSIVE monthly giveaways!!!
See you in the comments soon!

Boarding Kennels Vs. Pet Sitters – Which is Right for You?

The following is a guest post from my friend and fellow professional pet sitter, Michael Lisby from Paternal Pet Care.  He’s based in Florida and is obviously passionate about pets.  🙂 Pet Boarding Kennels Traditionally, pet boarding has been the most popular option for owners needing to board their pets – but is it really the best? Let’s weigh options usually offered here, and what is ‘better’ for your pet vs. what is simply more convenient for you. At one time, cold concrete/steel ‘runs’ were the norm; the dogs were isolated in these lengthy cages. This is perhaps a few steps above dogs at an animal shelter; we have natural pack animals, intended to socialize, isolated from each other in a strange place with no chance for socialization or special care. The dogs were all isolated to avoid the possibility of social confrontation; there was no chance for injury. Still, this clearly is nowhere near an ideal situation, closer to ‘doggy jail’ than anything. Fortunately, this is only the case with a small number of boarding facilities now. During this new age of amenities, far more accommodations are usually offered (at an additional cost, of course). We have ‘doggie hotels’ … Read more…

What Happens When You Just Don’t Make Enough Money to Get Ahead?

The following is from my blogging buddy, Martin, over at Studenomics.  He’s been trying to help people learn to manage their money at any age since before I knew that blogging existed, and he just published Next Round’s On Me: How-to Achieve Financial Freedom in Your 20s. Great guy and great advice, check it out! “I’m just not making enough money to get ahead.” One of my friends complained to me about this. I asked him if he wanted to do something about it or if he was just looking to whine. He wanted to take action. So I decided to helped him out. What did I say? Before we get into this, you must remember that it’s not going to be easy. What’s easy is to keep on keeping on. The difficult thing to do is to take action and to do something. I’m also going to assume that you want to either save up some money or pay off some debt to have some breathing space. You’re tired of watching your paychecks go as they come in. You’re fed up with never getting ahead. You want to finally be able to treat yourself to a steak dinner or you … Read more…

Ten Money Tips for Students and Recent Grads

Here are ten money tips for students and recent grads that will actually help keep people from spending all of their students loans. Their future selves will thank them! College debt is crippling, millennials, listen up! Use these frugal hacks to keep from being broke when you graduate.

The following, circa 2011, is a great guest post about money tips for young adults by Marissa at Thirty Six Months.  I’m fleshing it out with my own tips and moving it on up to help as many students and grads as possible.  🙂 I was having a conversation with my grandparents the other day about how much debt I am in and how much post secondary education really costs these days. I find that a majority of GEN Y students are coming out of school with more debt than they realize and are not really prepared to start tackling it. I mean let’s think about it, we don’t get taught about consumer debt in school, so the minute that we step on campus we have credit card companies lined up to “give” us money, and since we haven’t had access to free cash before, we all jump at it. The way most student loans work, here in Canada anyway, is that they will lend you funds to support your education and will start charging interest 6 months after you graduate. Most students either don’t think that far ahead when it comes to interest rates or assume that since they are getting … Read more…

It’s Gym Membership Time

The following is another post from my in-real-life friend, Hillary.  Her last one, The Business of Polyamory, was pretty popular and she is helping me out since I’ve been traveling.  We are also planning a cruise together in April, so I’m becoming her accountability partner on her goals below so we both have a shot of getting healthier and hotter this year! It is the end of the year and the scale is not my friend. Ten years of marriage and a sedentary job have led to me carrying a spare tire with my saddle bags. Swimsuit season sounds like it’s one of the inner circle of Hell right now, but the call of a beach is so tempting. I need to lose weight without losing all my heard earned cash. Gym Membership Options Like many, I found myself looking into a gym membership. There are three main gyms located around my area – LA Fitness, 24 Hour Fitness and Planet Fitness. As I am an unmotivated slacker, I will be enlisting my husband and my friends in my fitness endeavor. This poses a few pros and cons. My husband is great with whichever option I chose; my friends however … Read more…

Oh To Be Young & Naïve…

Leslie Van Zee started out her career as a financial planner, and then realized what she enjoys most of all is talking and writing about personal finance. Now she is delighted to be able to do so full time as the marketing manager for the San Francisco-based wealth management firm Mosaic Financial Partners. In her free time she enjoys really long walks and listening to symphonies cranked up to 11. I met Leslie and the 2014 Financial Blogger Conference and am happy to have her over for the day! 5 Mistakes Even Top Financial Experts Made In Their 20s Most people in their 20s are newly on their own, working, and figuring out how to be an adult. While making mistakes along this new path is inevitable, few millennials are focused on financial independence, and saving for retirement is rarely top-of-mind.  Since few of us like to take our parents’ advice, we asked top young financial professionals what mistakes they made and how to best get ahead in the financial game.  If they could relive their 20’s these are the pitfalls they’d avoid: Not Starting To Save for Retirement When you are young and just entering the workforce, nothing seems … Read more…

5 Strategies for Relocating on a Budget

The following is from James Felton, a homeowner living in Atlanta. He writes about real estate, family and home, and personal finance. If you’re thinking of moving to a new residence this year, you’re not alone. According to the Census Bureau, roughly 36 million Americans moved in the last two years. And while moving might appear tempting, or even necessary, it’s certainly not cheap. If you’re gearing up for a move, keep tabs on your expenses by employing the following five strategies for relocating on a budget. 1. Move Yourself The process of moving isn’t as overwhelming as you might think. Invite your friends and family members over and make it an event. Serve some inexpensive snacks and beverages to keep everyone fueled, and knock out the work in a matter of hours. You can even go DIY, packing your stuff on your own and arranging it carefully for the move. 2. Declutter Before You Move Getting rid of unneeded stuff before you move solves two problems – first, you can generate cash to offset moving costs, and second, you reduce the total amount of items that need to be moved. Sell your unwanted furniture on Craigslist, and open an account on eBay or Amazon … Read more…

Wealth Is a Choice.

The following is a guest post by my blogging buddy, Marie Phillips. Marie blogs at Family Money Values and writes for multiple other personal finance sites. She has just authored her newest eBook – Choose Wealth! Be a Millionaire by Midlife – available on Amazon, Barnes and Nobles and other eBook online retailers. Each person chooses their own life’s destiny – either on purpose or accidentally. Every day, you make many small choices which, over your lifetime, add up and cause you to become the person you are. Sometimes the choices are deliberate, other times we choose by not choosing. Some of us are born to privilege, some to poverty. Some of us are born and live in peace and plenty, others deal with conflict and paucity. Some are born into stable and loving families while others lack such support. Whatever our circumstances, we choose. We either choose to follow the crowds around us or we learn to choose our own paths. We choose to seek out new conditions or stay with the old. We choose to lean into the wind or be buffeted about by it. We choose the life we lead. If you want a wealthy life, you need … Read more…