Reducing spending, the 48-hour rule, boosting credit, shacking up and more.

1. Six Ways to Reduce Monthly Spending

Budget and the Beach — Tonya admits that: “Saving money is easier said than done, and it can be quite a struggle to establish a sizable nest egg.” She’s right. Especially if you’re living paycheck to paycheck. But once you reduce your spending, your finances will change dramatically. Her second way is: “Stick to a Grocery List.”

We’ve discussed this before. If you don’t have a list, you’re more likely to impulse shop. Tonya also recommends meal planning. While you’re at it, she says buy in bulk. But don’t go crazy. Some people shop at wholesale clubs and come home with enough peanut butter for an army. Read her other tips and start saving money.

2. My 8 Step Plan to Get Back on Track Financially

Catherine Alford — Catherine is stressed. When you read this post, you’ll feel the stress through her words. She says, “To be blunt, I’ve gotten off track financially, and I want my freedom back.” She provides her backstory and reveals how running her own business and taking care of twins is causing stress and anxiety.

But those aren’t the only things stressing her. She has depleted her emergency fund (on car repairs) and has racked up some credit card debt. And she’s pissed at herself. So she’s taking drastic measures. Her first step is: “Shred all credit cards.” This is an interesting post. Catherine is opening up and I think we can all learn from her honesty.

3. How the 48-Hour Rule Can Help You Avoid Debt

Frugal Rules — I love this post. It confronts impulse buying — a huge problem for many Americans. You know how it goes: You see something you want (like a new fishing pole), or outfit and you buy it without thinking. And a month later the credit card bill arrives and you can’t fully pay it off. Chonce says use the 48-hour rule and avoid debt.

Here’s how it works: Wait two days “to figure out whether or not you really want to buy (or should buy) an item.” It’s easy and it helps combat the advertising and marketing messages that Chonce says promotes “urgency.” She’s right. Almost every commercial involves a sale or incentive to buy now.

4. Boost Your Credit Score Fast With These 7 Moves

Money Talks News — Like it or not, a low credit score negatively impacts your life. You probably won’t qualify for great interest rates or loans and you may not even qualify for a credit card. So let’s give it a boost. Maryalene notes that Americans have improved their scores “but nearly one-third still have ‘bad’ credit scores (under 600).”

The first move is: “Clean up your credit report.” It’s not hard. Simply “request a free credit report from each of the big three credit reporting companies.” She provides the companies and a link where the credit reports are available. Here’s another interesting read about how millennial credit scores have risen.

5. Shacking Up? Here’s How to Painlessly Manage Money When Living Together

Financial Best Life — Couples rarely think about finances before they start living together. They mostly worry about if they’ll get on each other’s nerves. Lauren says “Before you ever move in together, you should first have a discussion about where you are (and where you want to go) financially.”

And don’t get nervous. The money talk is essential especially if you plan on splitting expenses. Lauren provides four helpful tips you should definitely follow. The second one is: “Make a New Budget.”  If either one of you never budgeted before, she includes additional information. Check it out and then read this post about What is Your Lover Hiding.

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Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of's 'By the Numbers' videos.

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Article last modified on January 29, 2018 Published by, LLC . Mobile users may also access the AMP Version: Around the Web: Frugal Tips - AMP.