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Tips — Financial Life

Are You In A Debt Spiral?

Best Budget Advice Enrich Financial Life

Are You In A Debt Spiral?

PDF | Magazine Debt Spirals... UGH! A debt spiral is pretty much like a bad nightmare where you’re falling into nothingness and can’t get yourself out of it. Many people go through at least one debt spiral in their lifetime because of unexpected expenses, loss of a job, or a medical crisis. Sometimes it’s not your fault that the debt spiral occurs. Other times it’s because your spending habits were out of control. Whatever the reason you find yourself in a debt spiral, it’s time to spend less, make more money – or both.    You're Doing A Financial Freefall......

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Time Deposits vs. Demand Deposits

Enrich Financial Life Glossary

Time Deposits vs. Demand Deposits

Have you heard the terms time deposit and demand deposit? Not sure what they mean? Let KayeCee explain... Time Deposit  An interest-bearing bank deposit that is expected to be held within that account until a certain date.  Example: Certificate of Deposit - The bank or credit union creates an account to hold the money that you deposit. The money stays in that account for a specified time. (Generally 30 days to 5 years) If the money is withdrawn early, a penalty is paid.  Demand Deposit A deposit that can be demanded by the account holder at any time. Example: Checking...

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Decluttering Your Recurring Payments

Enrich Financial Life Money Saving Tips & Ideas

Decluttering Your Recurring Payments

You're In Beast Cleaning Mode, Aren't You? Everyone's in such a decluttering frenzy with the dawn of a new year, but here's something I'll bet you've neglected to declutter... recurring payments! I've spent the last couple of years of my life decluttering because I moved from my 2,500 square foot house into an apartment. Clothes... furniture... knick knacks... you name it... I ditched it! (This post may contain affiliate links. Read my full disclosure policy here.) The Clutter Gremlins Are Out To Get Me... One thing that keeps haunting me is recurring payments. With my business, it's been too easy...

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Repurpose... Reuse... Recycle... Giving Gift Bags A Second Chance

Enrich Financial Life Money Saving Tips & Ideas

Repurpose... Reuse... Recycle... Giving Gift Bags A Second Chance

'Tis The Season To Be Frugal I saved a bunch of money at Christmas this year. Want to know how? (This post may contain affiliate links. Read my full disclosure policy here.) After the festivities last year, I took 10 minutes to gather up the gift bags that were still in good shape. I used one of the biggest bags to store all of the other bags in and shoved it onto the top shelf of my closet.  When this season rolled around, I didn't have to buy one new bag! This is definitely one money-saving tip I'll repeat in...

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Do You Have Any Side Jobs?

Enrich Extra Income Ideas Financial Life

Do You Have Any Side Jobs?

Money! Money! Money! Braces... school trips... sports... toys... that wayward eraser trapped in the nose that results in a doctor's visit...  *pause* What? I know I'm not the only parent who ever saw that last one! Raising little people is hard work and any parent can tell you that unexpected expenses seem to be a part of child-rearing.  (This post may contain affiliate links. Read my full disclosure policy here.) How Do You Meet Expenses? As a single momma with no help from the ex, I often find myself falling short of cash. To make up for it, I do side...

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