Jon Dulin - Penny Thots

How To Easily Save A Ton Of Money Fast

Everyone is concerned with how to save money these days. When you have money saved, life in general is a lot easier. When things happen, you avoid the added stress that not having money brings. And having money in savings opens doors for you. When have money saved, you have options in life. The problem is figuring out how to save money. Sadly too many people find saving money difficult if not impossible. So I decided to do something about it. I wanted to figure out some easy things for you to do that would save you a ton of money relatively fast. While there are many things you could do to save smaller amounts of money, things like packing tour lunch or skipping a daily coffee, the truth is that it will take a long time before you see … [Read more...]

5 Secret Ways Advertisers Get You To Spend

Advertisers are good at getting you to spend your money. It’s their job to get you to part ways with your money. Advertising agencies have huge budgets that they spend on research to understand the human mind and emotions more so than you or I can ever imagine. It comes as no surprise then that they are able to get us to buy things even when we had no plans on doing so in the first place. In order to beat them at their own game, you have to learn their tricks. In this post, I show you 5 of their tricks and how to beat them at their own game. 5 Ways Advertisers Get You To Spend #1. Buy More, Save More! I see this trick everywhere and I see so many people fall for it. Heck, there are still times that I fall for it as well. Here is … [Read more...]

7 Absolute Best Personal Finance Books To Change Your Life

I love personal finance. Ever since my senior year of high school when I was introduced to economics, I’ve loved the world of finance. I even went to college for finance and worked in the financial services field for over 15 years. I love personal finance so much, I even read about it in my free time. Because I’ve read so many books on the topic, I decided to share with you my favorite personal finance books. Below you will find the books I recommend as well as a short reason as to why I think the book is so powerful in helping you to improve your finances. I also link to some of these books in my resources section as well. So without any more waiting, let’s get to my list of the absolute best personal finance books! … [Read more...]

4 Effective Steps To Getting Your Finances In Order

With the new year comes resolutions and for many, organizing their lives. Most people focus on their health when the new year begins, but I want to help you with getting your finances in order. When you get your finances in order, you improve the chances of reaching your goals. You also lower the stress that money has in your life. So why wouldn’t you want to start working on getting your finances in order? Here are a few tips to help you with getting your finances in order for the new year so you can achieve your financial goals. 4 Effective Tips For Getting Your Finances In Order #1. Review Last Year’s Spending If you aren’t budgeting your money, you need to start. I know that budgeting isn’t sexy, but it is a necessary evil if … [Read more...]

What Is Bitcoin And How To Get Started

If you’ve been paying attention to the news lately, you’ve most certainly heard of the term Bitcoin being used. This is because the price of Bitcoin has skyrocketed. It began the year worth $800 for a single Bitcoin. As of today, the price is over $15,000! So what the heck is Bitcoin? Is Bitcoin a scam? Or is it a legitimate way to make money? In this post, I will walk you through the history of Bitcoin and answer some common questions. I’ll also show you how you can buy and win Bitcoin if you so desire. What Is Bitcoin? The History of Bitcoin Bitcoin began back in 2008 by a developer as a peer-to-peer electronic payment system. Instead of using paper currency like all nations do, Bitcoin is 100% digital currency. The allure of … [Read more...]

3 Giant Benefits To Going All Cash

Years ago, before credit and debit cards became so prolific, consumers bought with cash. While some of the more expensive purchases were made with a check or a credit card, the overwhelming payment for goods and services was cold hard cash. Thanks to technology, payments have switched to being mostly credit and debit card based and rarely are purchases made with cash. While there are advantages to using credit cards instead of cash, there are three distinct benefits that going all cash provides. And these benefits can have a major impact on your finances. … [Read more...]

3 Easy Tricks For Throwing A Wedding On A Budget

Weddings are expensive. In fact, the average cost of a wedding in 2016 was over $35,000. Personally, I think that is just plain crazy. I understand that it is a significant part of two people’s relationship, but it is only one day of hopefully many years of wedded bliss. The problem is that many people cannot afford this much for a wedding. What are they left to do? Many decide that going into debt for their wedding is a fact of life. But here is where thinking outside the box can save you tremendously. The following are tips for how to throw a wedding on a budget. … [Read more...]

Simple Reasons Why Debt is Bad

There is a strong movement by many people to become debt free. I personally think this is a great choice. Learning to live within one’s means is one of the keys to financial success. Too many people spend everything they earn each month and in some cases spend more. By not saving anything, they have zero shot at improving their financial situations. They are stuck financially in life, never getting ahead. For those of you that are still living beyond your means, I suggest you make an effort to get out of debt. I say this for one simple reason. Debt is bad. Why is debt bad you might ask? In this post, I am going to show you how debt limits you in life in more ways than you might think. … [Read more...]

Simple Steps To Save Money On Fees

It seems as though everything has a fee associated with it nowadays. Airlines have numerous fees. Cell phones have crazy fees. Credit cards have fees. Hotels are increasing fees. It wouldn’t surprise me if the grocery store starting charging fees if you don’t put your cart away when you are finished with your shopping. These fees are numerous, they are annoying and most importantly, they cost you money. I can’t be the only one that gets frustrated by them all. This post is all about how to save money on fees. Regardless where you encounter the fee, using these tips, you can get some fees waived or reduced, saving you money. So how do you go about saving money on fees? It’s simply really. Simple Steps To Save Money On Fees #1. … [Read more...]

3 Ways We Waste Money Unintentionally (And How To Overcome It)

There are many ways to waste money. Most times it’s because of a math error where we think we are getting a better deal than what we think. Other times, it simply because we get overly excited about something and the idea of being smart with our money goes out the window. But whatever the reason, the fact is, the more we spend money unintentionally, the further away we get from reaching our financial goals. This means it will take longer for us to have the down payment for our house, it will be longer until we get to experience the tropical vacation we want to go on, and longer until we are able to retire. The solution then is to stop all of the ways we waste money. But how do we do this and where do we typically waste a lot of … [Read more...]