The Financially Free Blog
Is Pet Insurance Worth It? Top 5 Benefits
Pet insurance might seem like a win-win — after all, it meant to cover your pet’s health care costs and protect your wallet from expensive vet bills. And like other types of human insurance policies, like heath insurance or life insurance, it can be a lifesaver in the event of an unexpected emergency.
Here’s what you should know about pet insurance, including the pros and cons of purchasing a policy for your beloved furbaby.
5 Money Mistakes to Avoid
Feeling financially successful doesn’t come easy to everyone. According to Experian’s latest Personal Finance Survey, only 17% of respondents said they felt “very secure” about their finances. What’s even more troubling is 26% felt less financially secure compared to the previous year.
With so many factors playing into your financial health, feeling some unease about money is understandable. To help you stay on track with healthy financial planning habits, try to steer clear of these common money mistakes.
5 Goals to Save Towards Your Financial Plan
When it comes to managing your money, you have a lot of different priorities. You need to pay your bills, focus on paying down your debt and think about the future. But there are also some goals you should be saving for consistently. Here are the top five goals you should focus on for your financial plan.
The Value of a Quarterly Review
Prior to joining The Financial Gym, my husband and I handled our money in a very basic way. We’d receive our income, check our calendar of bill due dates to what needed to be paid before the next pay period, pay those bills, and the rest went to whatever we needed. Simple, right? We’d plan on saving some of those remaining funds, but then one of our cars would need a repair, one of our pets would need an immediate vet visit, and just like that our savings would be wiped out. So much for our $1000 emergency fund!
5 Legit Side Hustles to Earn an Extra $200 a Month
Have you ever felt like if you just made a couple hundred dollars more per month your life would be different? Your life would be better or easier and you could double down on your goals and stop stressing all the time? The good news is that you can earn $200+ per month with these five legit side hustles.
7 Last-Minute Weekend Summer Getaways
Whether you’re satiating your wanderlust solo or traveling with the entire family, planning an elaborate summer vacation can take time. And since summer is officially upon us, you might feel like it’s too late to get a trip on the books.
But according to the latest data from Skyscanner, the best time to book a domestic flight is 30 days in advance, meaning you still have time to enjoy the best weekend getaways in the U.S. Here’s a list of last-minute travel ideas that’ll help you enjoy the summer sun this season.
Message from the CEO: Summertime
Until last year, we closed the Gym for one week in the summertime which was easier when we just had 400 clients and 8 full-time employees. This summer, we’re fast approaching 2,500 clients with 22 full-time employees so closing the Gym is no longer an option.
5 Items You Should Automate ASAP
There are countless money management tips online that may or may not work for you. Some are super hands-on with spreadsheets to help you manually track money going in and out of your checking account, while others are much more simpler.
If you find yourself too busy to get a handle on your budget, a “set it and forget it” approach might be a fit for you. One of the best ways to save money and reach your financial goals is by automating your finances.
Here are the five basic money areas to automate starting today.
5 Ways to Celebrate the Fourth of July on the Cheap
Summer is here and the Fourth of July is just around the corner. It’s exciting to get a day off in the middle of the week and take some time to celebrate our freedom. The fourth of July can be a time of fun and festivities but if you’re not careful, it can add up quick. Here are some budget-friendly ideas for celebrating the Fourth of July on the cheap.
5 Fave Cash Back Apps for Savings On-The-Go
Although the act of clipping Sunday mailer coupons has a therapeutic quality to it, it’s no longer the most efficient way to cut costs at the register. And as more shoppers rely on their smartphone to help make life easier, consumers are leveraging cash back apps as a way to fast-track savings on everyday purchases.
The key to making this savings strategy work is ensuring you’re not buying more than you intended just to get cash back — in this scenario, you’re actually taking your savings in the opposite direction.
If you can use these apps wisely and already plan on making certain purchases, earning cash back on those transactions is a no-brainer. Here are today’s best cash back apps for busy, but frugal, shoppers.
How to enjoy the summer on a budget
As the summer season is in full effect, it’s time to enjoy and have some fun. Summer seems to pass by so fast, so you want to get the most out of it and live and love life. All of that fun can come at a cost, though. Luckily, there are ways you can enjoy the summer on a budget. Here are eight ways to have fun in the summer without breaking the bank.
7 Graduation Gifts for the New Grad In Your Life
Every May and June, graduates across the country leave their old college life behind to begin a new chapter of adulthood. It’s an exciting time full of lots of transitions. To congratulate the graduate in your life for all of their hard work, you want to get them something to commemorate the beginning of their new life. Here are seven graduation gifts to consider for the new grad in your life.
5 Affordable Father's Day Gifts
Father’s day is around the corner. You know you want to get a gift for the dad in your life, whether biological or not, but don’t want to spend too much. What gifts can you give that show that you care but won’t cost you a pretty penny but also won’t look cheap? We’ve got you covered with these five affordable father’s day gifts.
What Your FICO Score Is Made Up Of
As an adult, your credit score plays a huge role in your life. It can lead to better interest rates, can help you get approved for an apartment and mean the difference between getting a loan or not. The most common credit score is the FICO credit score. But what actually makes up your FICO credit score? Read on to learn more.
Financial Literacy: Paying it Forward
All of us have a financial story that is influenced by our childhood. That story can lead to overspending and mismanaging money — and if we're honest, it's tough to break. Financial Gym client, Rebecca, is working with us to ditch her spending habits after a childhood in poverty and learning how to keep the money she makes. Not only that, she's now paying it forward to others in her community. Read on to learn more.
6 Ways to Protect Your Privacy Online and Secure Your Financial Data
It seems like every month there’s news of a new data breach. The risk of identity theft and fraud are high. So what can you do to protect your privacy online and secure your financial data? Here are six tips for more personal information security.
Understanding Your Employee Benefits
Whether you’re just starting out at a job or have been there a while, there’s one thing that you should know: your employee benefits. Your employee benefits add so much value to your compensation. But if you don’t understand your employee benefits, you might not get the most out of what they offer. Here’s a quick guide to understanding your benefits at work.
Investing 101: How to Start Investing
When you hear the word “investing”, what do you think of? You might instantly think of The Wolf of Wall Street or think of men in suits or terms that seem like another language. Let’s face it, everything about investing can seem confusing and like it is for “them” and not “us.” But here’s the thing. Investing is for everyone and is one of the few surefire ways to build wealth and beat the cost of inflation. But if you don’t know much about investing or how to get started, it can prevent you from taking action. No more excuses! Here’s your beginner’s guide on how to start investing.
How I Meal Prep for Less Than $45 a Week
I am an avid home cook that enjoys baking, hosting dinner parties and of course meal prepping. I have always prepped most of my breakfasts, lunches, post-workout snacks, and dinners so that I could enjoy one too many cocktails on the weekend and brunch with friends.
5 Tips for Debt Management
Do you feel like you’re over your head in debt? You’re not alone. It’s easy to be in denial about how much debt you’re in or feel overwhelmed with the process. While paying off debt isn’t easy, it is possible. Here are five tips for debt management.