The 2015 Savings Challenge

by in Personal Finance on Dec 16th, 2014

Last week, Graham from Moneystepper launched the Moneystepper 2015 Savings Challenge where anyone, from anywhere in the world, in whatever financial situation they may be in, is invited to come together and work as a community to accelerate their journey on the path to financial freedom.

To keep things succinct, the key points of the challenge can be summarized as follows:

  1. Everyone strives towards the same two goals. These goals are designed to be appropriate for EVERYONE. They are:
    1. % Increase In Net Wealth
    2. Savings Rate %

These percentages have been designed to be appropriate (and comparable) for everyone: from people paying down mountains of debt to multi-millionaires.

  1. Each participant submits their two percentages before the start of the year, and their progress against their goals each month.
  2. The results are released monthly and everyone will be “grouped” with people who are of a similar net wealth (although participants’ net wealth will never be published) and who have similar goals.

Simple enough, right? But, hugely powerful – believe me! Read More

Four Important Hardware Peripherals for Your Mobile POS

by in Personal Finance on Nov 4th, 2014

So you’ve decided that a mobile Point of Sale system will work better for your small business. You already have your iPad (or other tablet) and have picked out the ecommerce software provider you are planning on using. But now you need to figure out which hardware add-ons you need. Unlike the older, cumbersome cash register terminal systems you are used to seeing, a mobile system provides an unprecedented level of mobility and flexibility.

You can use just the tablet and a cash drawer or you can outfit your system with all the hardware peripherals you’d expect to see with a regular register terminal. But what are the peripherals you should definitely get your hands on? Truthfully, that depends on your personal desires and the type of business you are running. However, there are some items that could be considered absolute necessities in any situation. Read More

How to Use Coupons to Cut Down on Medical Bills

by
51[?]
in Personal Finance on Sep 30th, 2014

Whether you’re seeing the doctor for some allergy relief or even the common cold or you need some lab tests done, you would be surprised at how medical bills can get so expensive. Fortunately, there are a number of ways that you can reduce your healthcare costs. If you’re a coupon clipper or the type who doesn’t mind the extra effort in finding a good price on the products you buy, then you will be glad to know that one of the best ways to cut down on your medical bills is to use coupons.

Now, there are many pharmaceutical companies that have made it one of their direct-to-consumer marketing tactics to offer free trial periods or coupons for their best-selling drugs. While there is some debate that surrounds the use of drugstore coupons, there are healthcare advocates who encourage consumers to take advantage of these money-savers for drugs that are marketed directly to consumers. Supporters also argue that drug coupons make medications affordable for patients with medical conditions that cannot be treated by generic or non-prescription drugs.

Free Trial Periods

Read More

Smart Couponing: How to Maximize Your Savings on Amazon

by in Personal Finance on Jun 30th, 2014

Coupons. The very word conjures up mental images of being stuck in line behind an elderly lady rifling through her purse for an eternity to save 2¢ on a package of gum. Fortunately for all of us, thanks to the global superstore of the future, the Internet, today’s shopping experience is far quicker and more efficient. Consequently, coupons have also received a makeover and are much more popular with Americans. No more waiting in line behind Queen Save-A-Lot.

Conversely, your local supermarket just got a few light-years bigger. As such, the prospect of online shopping is a potentially time consuming, not to mention hazardous concept. For instance, one of the kings of the online shopping arena, Amazon, is a venerable one-stop shop for everything you could possibly need, ever. Sites with online coupon deals have considerably lessened your workload, helping you get the most out of your online shopping trip by locating the best deals and conveniently listing them in one spot. This makes the store of the future a much more manageable, far less scary place to venture.

With the tips in this article, you will learn how to develop a smart savings strategy and get the best deal every time. Read More

Implementing Chip and PIN Technology For Credit Cards To Protect Against Fraud In The US

by in Personal Finance on May 27th, 2014

Though chip, or EMV, technology for credit cards has been around since the 1990s, the United States has continued to rely on the traditional magnetic strip on the back of cards along with a signature for point of sale (POS) transactions. Some companies have “upgraded” their cards to include a chip but still require a signature, as opposed to a PIN, to complete the transaction. If you are a frequent traveler abroad, this technology isn’t as useful as many foreign countries employ a chip and PIN system to verify payments, which effectively renders a credit or debit card useless in certain places. However, from a security standpoint chip and PIN technology thwarts fraud better than the traditional swipe-and-sign method. 

How is Chip and PIN Technology Different? Read More

How To Make Money Quitting Your Job
  • BARBARA FRIEDBERG: Sounds good! Sometimes having accountability will help you grow your wealth more consistently....
  • Untemplater: Great initiative. It feels good to set financial goals that have specific targets as that really helps...
  • moneystepper: Thanks Sam! I can’t wait to get started in January and hope that I have hundreds of people in the...
  • moneystepper: It’d be great to have you along Jakub. As I cover in our FAQs podcast, the challenge may be even...
  • Financial Samurai: Great initiative Graham! It’s a no brainer to try and achieve financial goals together.
  • Jakub: Sounds interesting, will think about it. I quit my job a month and plan to travel around Asia for 6+ months...
  • HappySimpleLiving: Great article and good for you, Brian, for methodically testing your decision to drop Disqus....
  • Nik @ Midlife Finance: Since 2013 I stopped using a blog commenting system for my blog. I also used Disqus that time...
  • Michelle: I really dislike Disqus from a user perspective because I always seem to get logged out and then have to...
  • Brian@Luke1428: Agreed Maria…please no captcha. Sometimes I can’t interpret those and have to reset them...

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