Saving Money

Building Credit: The Impacts of Credit History

Building Credit: The Impacts of Credit History

Credit history is a record that holds the past circumstances and behaviors of the borrower. Lenders use this data to determine whether the borrower is trustworthy or if he or she is capable of returning the money. Individuals with a history of on-time payments are […]

Top 4 Money-Wasting HVAC Mistakes

Top 4 Money-Wasting HVAC Mistakes

When you’re thinking about saving money, your HVAC unit usually isn’t a priority. However, your HVAC system can make a big difference in your monthly energy bill in all sorts of ways. Avoid the following common mistakes that can end up being big money-wasters. Not […]

4 Ways to Save On Your Heating Bill

4 Ways to Save On Your Heating Bill

Your heating bill can be an unpleasant surprise during the cooler months of the year. Not every person or a house owner can afford to have an internal heating system working for them 24/7. People like to save as much as they can from everywhere, […]

5 Energy Efficiency Improvements for Your Home to Reduce Utility Bills

5 Energy Efficiency Improvements for Your Home to Reduce Utility Bills

With the cost of gas, groceries, and most other things on the rise, it’s important to take measures to save money wherever possible. The less energy you use each month, the lower your utility bills will be. Actualizing energy proficient innovation and practices in your […]

How Much Money Should I Keep in Savings for an Emergency Fund?

How Much Money Should I Keep in Savings for an Emergency Fund?

This is a sponsored post. What is one of the first forms of financial advice you always hear? You need to have an emergency fund. However, Americans don’t seem to be following that advice.  About 40% of people would have to turn to loans or […]

9 Easy Ways to Save Money

9 Easy Ways to Save Money

This is a sponsored post. It can be difficult to create and maintain habits that will allow you to save money. However, if you start small with easy-to-manage tasks and stay determined to maintain them, time will tell that they are working by showing the […]

8 Ways to Make Your HVAC System More Efficient & Save Money

8 Ways to Make Your HVAC System More Efficient & Save Money

This is a sponsored post. You collect your energy bill at the end of the month and suddenly wince. The monthly charges are through the roof, and you instantly suspect that HVAC unit. That winter must have been long. Energy prices seem to be on […]

5 Embarrassing Money-Related Facts About Me

5 Embarrassing Money-Related Facts About Me

As you might already know, I am a very frugal person. Sometimes it can be a good thing because I’m able to save a lot of money and don’t make huge financial mistakes on a regular basis. However, in some cases, what seems normal to […]

7 House Rules That Can Save Us $7,000/Year

7 House Rules That Can Save Us $7,000/Year

Whether you’re renting or owning a piece of property, you might have rules for guests and even members in your family. Before and after getting married, I have lived with almost 20 roommates (all females), most of whom I got along with pretty well. We […]

My Review of Instant Pot – Why It Didn’t Work For Us

My Review of Instant Pot – Why It Didn’t Work For Us

A state of emergency About this time a year ago, our Aroma rice cooker suddenly stopped working. For others, it might not me a big deal. But for Mr. FAF and me who eat rice at least twice a day every day, it was declared […]

10 Expensive Things Worth Buying

10 Expensive Things Worth Buying

Frugality has become part of my lifestyle and identity. I try to make and save money in every way I can. I think about how to cut costs and invest for the future every day. When I go shopping, I usually choose inexpensive items without […]

6 Things Americans Do That I Don’t Get

6 Things Americans Do That I Don’t Get

I was born and raised in Asia and came to America at the age of 18 for college. I have been living in the US for 12 years. Although it’s almost half of my lifetime, it’s definitely not long enough for me to absorb and […]