The Financially Free Blog

Jennifer Calonia Jennifer Calonia

7 Expert Tips to Book Cheap Holiday Flights

Peak travel season is just around the corner which means may be among the millions of Americans planning domestic flights for the holidays. With the high demand for plane seats this time of year, you’ll need to be extra vigilant about keeping airfare expenses within budget.

Top travel experts have a few secrets up their sleeves that help keep holiday fight costs down. Here are six ways to secure cheap flight tickets starting next week.

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The Financial Gym Team The Financial Gym Team

9 Easy Ways to Make Money Fast This Labor Day

Every year on the first Monday of September, the United States Department of Labor celebrates the American worker by giving them the day off. Often celebrated with barbecues and weekend trips, Labor Day is a national holiday designed to give the public a chance to breathe and enjoy the fleeting days of summer.

That being said, when businesses close their doors on Labor Day, their workers can be left in need of some extra cash. If you’re looking for easy ways to make money this Labor Day, we’ve got you covered. Check out the ideas below to catch up on your finances while observing the national holiday. 

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The Financial Gym Team The Financial Gym Team

How to Find the Best Car Loan This Labor Day

Labor Day is right around the corner and if you’re like most people, you might be looking for holiday sales. If you need a new set of wheels, this is a popular time to find Labor Day car sales. We’ve compiled tips on how to find the best car loans and lowest auto loan rates this long weekend. 

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Olga Lurye, FinGym Intern Olga Lurye, FinGym Intern

4 Side Hustles You Can Do From Your Phone

Nowadays, starting a side hustle is easier than most people expect. You don’t even have to babysit the neighbor's kid, or create an Upwork account in the hopes that out of the thousands of freelancers on the platform, an employer will notice you.

Here are some of the best side hustle ideas you can do straight through your phone while you’re out and about.

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The Financial Gym Team The Financial Gym Team

Women's Equality Day: How to Negotiate for the Pay You Deserve

A century ago, women still didn’t have the right to vote. But 99 years ago that all changed with the 19th amendment. The 19th amendment, which gave women the right to vote was signed into law on August 26, 1920, allowing women to use their voice and vote. As of 1973, in honor of this, Congress marked August 26th as Women’s Equality Day. 

Though on this day, women achieved equality through having the right to vote, we know that there is still inequality that women face, especially when it comes to earning. 

According to Payscale’s report, The State of the Gender Pay Gap 2019, women make 79 cents to every dollar a man makes. That number is worse for women of color. Systemic changes need to happen to achieve equality but what can you do now to move the needle forward? 

Charge what you’re worth and ask for more. Read on to learn how to negotiate a salary and get salary negotiation tips. 

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The Financial Gym Team The Financial Gym Team

How to Calculate Your Business' Quarterly Taxes

If you’re self-employed, there’s one major issue that can be a pain: taxes. You get to pay taxes not just once each year, but quarterly! This can be stressful whether you’re just starting out or just trying to stay on top of your taxes. 

How do you know how much to pay? How do you ensure you aren’t overpaying or underpaying? It can be a confusing process, to say the least. But we’ve compiled a quick guide on how to calculate business taxes and how to get started with filing business taxes. 

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Jennifer Calonia Jennifer Calonia

9 Insider Secrets to Book an Affordable Hotel Stay

You might be wrapping up your summer travel, but before you know it you’ll be knee-deep in holiday travel planning. A 2018 Holiday Travel Report by Nerdwallet found that nearly half of Americans expected to put an average $1,456 on a credit card to cover holiday season travel.


This year, save money on travel expenses by cutting costs on your hotel stay. Here are a few tips to help you find cheap hotel rooms and have an affordable stay. 


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The Financial Gym Team The Financial Gym Team

How to Use the Apple Stock App on Your iPhone

Apple’s iPhone stock app is an essential tool for iPhone and iPad users, especially those who have investments in the stock market that they want to keep tabs on. Like a lot of Apple products, the stock app has a lot of functionality brewing under the surface that you might not be aware of unless you dig a little deeper into what it can actually do.

Here’s what you should know about the iPhone stock app, including basics like how to change your dashboard, and deeper tips and tricks that can help you use it more effectively.


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Olga Lurye, FinGym Intern Olga Lurye, FinGym Intern

5 Tips to Save Money in College

Every year in the United States, about 2.2 million people go to college. College for many people signifies the beginning of a journey of firsts: the first time living away from home and all the responsibilities that come with that, going on college spring break, joining Greek life, etc. 

For many people, all these experiences are what make up their college careers, however, all of these things come with a big price tag. Here are five tips to help you make the most of your college years without going broke.

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High Yield Savings The Financial Gym Team High Yield Savings The Financial Gym Team

Pros and Cons of a CD vs. High-Yield Savings Account

If you’re ready to start saving, you might wonder what is the best way to get started? There are various savings vehicles to choose from including certificates of deposit (CDs) and high-yield savings accounts. Which one should you choose though? Read on to learn more about the pros and cons of CDs vs. high-yield savings accounts. 

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Jennifer Calonia Jennifer Calonia

10 Items That Are Worth Buying in Bulk

Saving money at the store isn’t just restricted to holiday sales and the clearance bin. Shopping the aisles of bulk warehouse stores, like Sam’s Club, can save you a good amount of cash, too. When it comes to getting the best value, not everything in bulk is created equal. To avoid overspending on your next shopping trip, it’s important to know which bulk wholesale items are worth their volume and cost.


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The Financial Gym Team The Financial Gym Team

Where to Find the Best Back-to-School Deals

Just like that, summer is coming to an end and it’s that time again — back to school. That means it’s time to prepare and buy clothes, school supplies, electronics and more. All of that can bust your budget quickly, but we’ve compiled a list of where to find the best back-to-school deals. 

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Jennifer Calonia Jennifer Calonia

How to Practice Good Tipping Etiquette While on Vacation

Whether you’re en route on a two-week vacation or creating a budget for your next big trip, there’s one cost that’s commonly forgotten in the process: gratuity. Although you might’ve just spent hundreds or thousands of dollars booking your flight and accommodations, you’ll likely encounter staff throughout your vacation who merit a tip.

As you’re enjoying your relaxing getaway, consider expressing thanks to the people who’ve made your vacation an experience to remember. Here’s how to practice good tipping etiquette on your next trip.

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The Financial Gym Team The Financial Gym Team

9 Ways to Maximize Your Savings at Target

Nothing feels better than a productive Target run. The red and white bullseye predated online shopping as the place to go for good products at reasonable prices. Even now, in the age of Amazon Prime, it’s not uncommon to walk out of Target spending way more than you planned on items you didn’t know you needed. 

If you’re wondering how to save money at Target, finding the right Target discount or Target coupon can help maximize your savings. This is especially important when spending more is inevitable, such as during back-to-school season. 

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Jennifer Calonia Jennifer Calonia

3 Cards We Love for Travel Hacking

Traveling is a rewarding experience that refreshes your day-to-day routine. The cost of traveling, however, can put a strain on your budget. Whether your wanderlust is calling for a week-long vacation or you’re traveling for business, you’ll want to make sure you’re saving money as much as possible on travel purchases.

Fortunately, there are several popular travel rewards credit cards on the market that can help curb travel expenses along the way. Here are three cards that we recommend, if you’re looking to get more value when planning your travel.

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The Financial Gym Team The Financial Gym Team

How Do Deactivated Checking Accounts and Debit Cards Affect Your Credit Score?

If you want to stay on top of your credit, it’s important to know how your actions affect your credit score. You might be thinking about ditching your current checking account or debit card for something better, and wonder how it affects your credit. Perhaps you’ve already closed your checking account and want to know if it’s had an impact at all on your credit score. 

Read on to learn what affects your credit score and how deactivated checking accounts factor into it. 

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Olga Lurye, FinGym Intern Olga Lurye, FinGym Intern

5 Unexpected College Costs to Add to Your Budget

Going into college, you likely had a picture painted in your head about what it would be like. You’re prepared for the general cost of college: tuition, rent, food, textbooks, clothes, and entertainment. However, many new students don’t realize the importance of investing in internship or networking attire, or membership fees for student organizations, like Greek life.

These are common and valuable activities for college-bound students, but you’ll need to make room in your budget. Here are some surprise expenses you might face as a part of the college experience.  

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The Financial Gym Team The Financial Gym Team

Traditional 401(k) vs. Roth IRA — What Makes the Most Sense for You

At the Financial Gym, we’re all about getting your assets into shape. That means thinking long-term, too, and preparing for retirement. There are various retirement vehicles to choose from which can be good but also overwhelming. Which one is the “right” one for you? It depends, but we’re going to review two of the most common retirement vehicles, the 401(k) and Roth IRA and help you decide which one makes the most sense for you.

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Jennifer Calonia Jennifer Calonia

6 Psychological Tricks to Start Saving Money Today

You already know the importance of building up a savings reserve. Setting aside funds for unexpected emergencies or a future goal can help you feel more financially grounded.

But according to the Federal Reserve’s latest report on the Economic Well-Being of U.S. Households, four in 10 adults said they’d have trouble covering the cost of a $400 emergency. Although you’re aware of how essential saving money is to your financial health, many factors impact your ability to save money, including your own brain.

Here are a few clever tricks to train your mind into spending less and saving more.

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Jennifer Calonia Jennifer Calonia

5 Budgeting Strategies to Get Your Finances Back on Track

If you completed your mid-year check-in and found that your budget is derailing your goals, it’s time to dive deeper into your budgeting strategy.

Like any other goal that involves putting in hard work and sweat, strengthening your budgeting muscles requires getting on a plan that’s the right fit for you. Learning how to budget using a technique that’s sustainable means being familiar with the many options you can try.

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