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Should I Stop Spending?

The following is a staff writer post from MikeS. He is a married father of 2. So, with the cat, he ranks number 5 in the house. He loves numbers and helping people. Please leave any questions or comments below for either Mike or Crystal. It happened again, I fell for click bait. This time it was from a Forbes article. The title I fell for was “Why You Need to Stop Spending Money Right Now”. The gist of the article is that Americans in general are going back into debt, deeper than they were previously. Whew, I can keep spending money, as my debt has never been as low as it is right now. 😉 Let’s walk through some of the information in the article and compare how I stack up against the averages. Total Household Debt The article begins by discussing the increase in household debt from 2015 to 2016. It uses scary numbers; debt increased $460 billion to $12.6 trillion. Those are large numbers to be sure, but when you do the math, that’s only an increase of 3.8%. We are not exactly talking about a gigantic jump. Any increase is probably bad given the state of … Read more

Have You Heard About Amazon Smile?

Reposting from 2016 since it’s good to know!!!  We’ve donated more than $31 to SMART Animal Rescue (Sunmart Animal Rescue Team Inc. on Amazon Smile) since I found out about it…we are sort of Amazon addicts… I know gobs of us use Amazon, but have you heard about the Amazon Smile program?  It’s an easy way to support a favorite charity when you shop on Amazon and it costs you NOTHING.  The prices aren’t higher or anything.  Same Amazon, but now 0.5% of what you’re paying will be given back to the charity of your choosing when you join. Easy to Smile All you have to do is visit and select a charitable organization to receive donations from eligible purchases before you begin shopping. They donate there whenever you shop using  You can change your choice at any time.  And they will occasionally remind you to switch over to Smile when you forget and are on Amazon anyway.  But I just bookmarked “” as my main Amazon link so I don’t accidentally forget. I’ve been on Amazon Smile for a while and my charity of choice is SMART Animal Rescue (Sunmart Animal Rescue Team Inc. on Amazon Smile).  There … Read more

Living Paycheck to Paycheck but Having FunToo

Living Paycheck to Paycheck but having fun too | Zero Dollar Entertainment Budget | Having Fun on a Budget | Tips for Having Fun | Cheap Entertainment

The following post is from Sarah at A Matter of Cents.  She’s a new mom, former accountant, and current business owner who is throwing herself into freelance writing now too. Finding ways to make a dollar go further can be challenging. I know from my 20’s and 30’s that paychecks don’t always go as far as you need them to stretch. Being a responsible adult is a drag, but I’ve found some ways to create extra spending money without picking up a second job or cutting spending. I have found that even if I save some extra money for something fun, that same money gets used for some “adult responsibilities” like unforeseen auto expenses or doctor visits. So I decided to get creative. A Truly Free Lunch (or Dinner) Get that dinner paid for by someone else! Dining out is a common way to get out of the house and have a nice treat. Sometimes we do this a little too often. But if someone else is footing the bill, there is less need to cut it out of the budget! No, I am not suggesting having a guy take you to dinner…besides, when you get married, it doesn’t help that “that guy” is using … Read more

Obligatory but Awesome Christmas Gift Post

The annual Christmas gift ideas post by Crystal, perfect for nerdy friends!

I’m one of those people who sincerely enjoy the gift giving part of Christmas.   I bask in the hunt to find gifts for my loved ones that they’d truly use and enjoy.  The sticking point is that means finding gifts for 25-30 people, generally on a budget of $400-$500. Here are a few of my favorite ideas this year for $20 or less… My Funny Gift Winner Here’s a $10-$15 funny wine glass sure to make anybody laugh. Personalized Movie Night or Book Baskets – ALL the Details I put together these sorts of gift baskets for people who are picky or already buy what they want.  All you need to do is pay attention to what sort of movies or books they enjoy.  Then find something in that genre for sale. For example, action movie fans may like R.E.D. and it’s on sale right now on Amazon (Dec. 12, 2016) for less than $4 for the DVD or $10 for the Blu-ray.  If they enjoy heist movies / con movies, Inside Man is one of our absolute faves and is on sale for $6 DVD or $10 Blu-Ray too.  And comedies like Mrs. Doubtfire are $4-$9. For books, get … Read more

How I Created a $30,000 Per Year Pet Sitting Business for Less Than $600

It is hard to believe that you can start such a successful business for such a small investment. This is an amazing way to make money at home and be a work at home mom. Plus, you can do this as a side hustle, in addition to a regular job! Repin this, it's an excellent business idea.

When I first started Crystal’s Cozy Care Pet Sitting at the end of February 2014, I was aiming to just earn extra spending money on the side – like a few hundred a month.  I ended up making $750 in March 2014 and it’s just gone up from there.  It’s now grown into a full $30,000+ per year business! How? Because I’m awesome.  😉  But seriously, it’s because I treated it like a “real” business and not just a hobby.  I also kept costs down to a minimum for the maximum gain. My Business Basics Here are the basics for Crystal’s Cozy Care Pet Sitting: Pet Sitting Insurance – $400 per year Website Hosting (I already had unlimited hosting through Bluehost) – $70 a year Website Domain Name (included free in a new Bluehost package) – $15 a year Business cards (use my referral links to automatically get a discounted rate) – $23 for 1000 cards Advertising on Craigslist – $0 Advertising on – $0 Advertising via Car Signs (magnetic) – $25 for two Advertising via Yelp – $0 Advertising in my neighborhood’s newsletter – $50 per newsletter (wasted) Advertising via Tshirts – $2 (received two nearly free tshirts in exchange for reviewing … Read more

Budgeting for Unexpected Fun

This was a post response for a newsletter reader question back in June 2014.  I feel like I did not promote it correctly back then and it may help a few more out now.  Thanks!  How Do You Budget for a Completely Unexpected Expense? Here was a recent question from Carmen: My kids have gifted me with a ticket to Istanbul & then Italy for my daughter’s wedding in Autumn…what is the best way to budget for additional trip expenses?  Thanks–take care! Okay, so most of us are probably thinking that the best way for budgeting for unexpected expenses is to save money in advance.  You’d be right, but that isn’t helpful if that hasn’t been done yet and the expense pops up anyway.  Plus, that may not be the question… First – How to Estimate Travel Expenses First thing’s first.  Carmen may be asking how much she should budget for the trip, not how to come up with the money.  Either way, she’ll need to know.  For travel, I generally search around online for recent personal stories from other people to see how much things run.  I research them based on the big categories and round up to cover … Read more

5 Common Mistakes Small Businesses (and Households) Make

Here’s another post from my friend and staff writer, SherryH.  SherryH lives near the coast of North Carolina. Her family consists of her husband, their two adult sons, and the requisite writer’s cats. In 2013, she survived a brain tumor that destroyed her eyesight. She’s determined not to let that slow her down and recently started blogging at Blind Not Invisible. For several years now, my husband and I have participated in our local Small Business Roundtable, a weekly discussion group for small business owners and entrepreneurs in our community. He owns a small business doing residential design and contract drafting, and I’m starting one as a freelance writer, so we’ve both gotten a lot out of the discussions. But it’s also interesting to me how many of the business principles we discuss can be applied to personal finance. In many ways, running a household is like running a small business. Household like a Small Business I don’t mean that you should hold board meetings and give your spouse and kids annual performance reviews, though that could be interesting. But just like a small business, a household needs to track income and expenses, maintain a cash reserve for unexpected events, and … Read more