MORE than Finances

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3 Ways To Stop Spending Too Much Money When You’re Sad

3-ways-to-stop-spending-too-much-money-when-youre-sadWhen I have a bad day, I come home and order food, books, or whatever else I think will make me feel better. Sad people often do this and call it retail therapy. But there has to be another way, something else you can do.

A Study On Sad People

Studies show that when people are sad they spend more money. This is especially bad if what make the person sad in the first place is their finances.

Imagine that you get the credit card bill, or an emergency comes up costing you more than you have. Instead of dealing with the problem you go out and buy something that will make you feel better. In the study it was simply a bottle of water, but what if that something was a new outfit or even a new car.

So how can you avoid spending more when you are sad?

Change How You View Spending

Instead of feeling like buying something new will make you more important. View spending as it truly is, something that will enrich your already amazing life.

One suggestion is to think of every expense as a part of your autobiography. Every time you spend something think “is this who I am? Will people really think more of me if I buy this? Or, worse will they think less of me?”

Sad people want to feel better, spending won’t do that so change how you view spending.

Put Your Wallet In The Freezer

When you’re sad if you don’t have easy access to your money then you can’t spend. You could do something as drastic as freezing credit cards. Or,  leave your money at home not allowing yourself to even be tempted to spend.

Regardless of how you decide to keep your money away, if you are truly sad and depressed and can’t stop yourself from spending. Then removing the ability all together is probably the best option.

Do Something Fun, Different, and Free

The best way for sad people not to spend money is to simply stop being sad. That can require as little as going for a nice walk or as much as seeking professional help.

But you can curb spending and increase your happiness by simply changing what you typically do. If you would normally binge watch Netflix all night, then get out of the house. If you live on the beach then go to a park. The important thing is to do something different.

Odds are that there is plenty of fun free things to do around your town. Pick up your local newspaper and find out what’s going on. Some places have movies in the park that are free. Or if you want to get some exercise some places have running groups. Perhaps you could even just go out with a friend.

Change your surroundings, change what you typically do with something that is no cost curbing your spending and decreasing your sadness at the same time.

It’s true that sad people spend more, but with just a few changes you can stop this cycle.

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Three Way’s To Explode With Confidence And Avoid Selling Yourself Short

How to not sell yourself short

How to not sell yourself short

When I started my own business I was eager to bring in any type of income. What I didn’t realize was that by selling myself short I was really hurting myself in the long run.

After more than a year of running a business I have learned a few ways how not to sell myself short.

Demand What You’re Really Worth

Starting out we are shy, maybe too shy, thinking any money people are willing to pay is worth it, even working for free if we are asked.

Likely though you are selling yourself short. Even those who work in fast food make minimum wage. We never want to work so hard on something and find out we could have made more per hour working at a job like that.

Even if we think there are hundreds if not thousands of other people that can do the same thing we do, we don’t charge less. In fact by selling yourself short people will think that you aren’t good enough and you likely won’t get very many clients.

We don’t want table scraps, we want to be at the table. So ask for what you’re worth.

Grow The Confidence To Not Sell Yourself Short

Lack of confidence can make us sell ourselves short. Thinking we’ll be turned down for what we are actually worth, is the worst thing that could happen to us.

Instead of looking at it like that though, look at it this way. They can’t afford you. You’re so valuable so good at what you do that the price you gave is too high, but that’s because you’re too good for them not the other way around.

Those who will value you won’t think that the price is to high, they’ll never belittle your work, and will treat you better than those who want to lowest price possible.

If you really think your work isn’t good then have others look at it. Friends and family will boost your confidence telling you how great you are, how important. If that isn’t an option join groups of like minded individuals, there are always freelance groups that will make sure you have the right mindset to not sell yourself short.

Don’t Succumb To Giving In And Giving Up

Most of us would rather go into a deep dark cave then put ourselves out their. And when we do put ourselves out there and are turned down we never want to do it again.

But, well not selling yourself short, don’t ever give up. There are going to be dark days where you ask yourself what’s the point. You aren’t worth it, no one wants to work with me. That’s a normal feeling, one we all go through but if you continue, not giving up, you will see the light at the end of the tunnel.

To help, think of a time when you felt successful, you had made it. Whether a project you completed on time and on budget that the client was ecstatic about, or when you helped someone in your Facebook group get the final key to what they were working on, think of this and remember how it felt. You can feel like that again, but only if you don’t sell yourself short and don’t give up.

Selling Yourself Short Doesn’t Sell

Putting the lowest price possible doesn’t mean you’re going to make money. Many times you actually make less money then if you put a higher price on it. It’s important that you ask for what you’re worth, boost your confidence, and never give up.

By following that then you will always sell yourself, but never short.

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3 Painless Money Challenges You Can Start Today


Saving money is something people try everyday. Some have the discipline to follow the old adage to “pay yourself first”, but for most of us we need to find other ways.

We are a competitive people so when we make something a “challenge” or “contest” we are more likely to do it in hopes of winning. That is why a money challenge could be the best thing for you. But which one would work best?

The Tried And True 52 Week Money Challenge

Most people have heard of this money challenge. It’s popularity and ease make it the perfect first choice. How it works is that the first week of the year (or anytime you want to start it) you save $1. That’s it just a dollar, then the next week you add another dollar. Every week after you continue to add a dollar so on week 38 you would be saving $38.

This is a easy to follow saving challenge that will leave you with a total of $1,378 at the end of the 52 week challenge.

You can make this easier by automating the challenge. Transferring money from your checking to a savings account every week, or even every month to make it come out to the correct amount at the end. Averaging it throughout the year ($114.83 per month) having your bank automatically take that out.

The weekly cash method works great though, you don’t feel the burn as much at the beginning, and by the end you’re used to putting money aside. Not only that but you have all that cash you can then take to the bank, or just go on a nice night out.


The Under Appreciated 365 Day Change Challenge

For some the weekly money challenge is too much, but who doesn’t have a few pennies to spare?

The 365 day change challenge is daily but requires much less money. On day one you put 1 penny in a jar, the following day 2 pennies, and so on and so on. On day 365 you are putting $3.65 in the jar (less then week 4 of the 52 week challenge).

At the end of the year you will have saved $667.95, less than half then the weekly challenge, but still a nice amount of money. With that you could go out to a very nice dinner, you could go on a long weekend getaway, or get new tires for your car.

The Unlimited Potential Dime Challenge

If you use cash to make purchases this may be the best money challenge for you. Every time you come across a dime in your daily life you set it aside. When you get home you put it in a empty 2-liter bottle, or a jar, or anything else available. Some days will be more profitable then others, but you may find yourself finding ways to get more dimes.

When getting change you may ask for it all in dimes, or you may buy an extra pack of gum so that you will get more dimes.

This challenge doesn’t have to be dimes either, you could choose pennies, nickels, quarters, dollar bills, or five dollar bills. The basic part is to pick something that you put aside and never spend and save it.

 Image courtesy of pakorn at



Budget Pulse – The Answer To Financial Worries, Goals, and Frustrations


Budget Pulse is the perfect tool for helping you start and keep with your budget. If you’ve ever tried and failed then this is the tool that will help you succeed.

The word “budget” is a terrible, terrifying word for some. However, if done right it’s not scary it’s fun even exciting.

The first thing most people do is write down all of their expenses, which does help. But the internet provides tools to help track our spending and create a budget without writing anything down.

You may be wondering why it is you haven’t heard of Budget Pulse. Or what makes it better than the alternatives, the answer to this is that many people feel that they can automate the process by connecting your accounts directly with their service. Although that sounds good in practice, it leads to other problems such as the connection constantly needing to be fixed. Or worse identity theft.

Most budgeting tools require that you provide your account information, passwords, account numbers, etc. and this can be a bit discomforting.

For this, and many other, reasons Budget Pulse is the choice. You never give any actual account information. You input each account, and each transaction into the Budget Pulse program. Then you adjust the budget to fit your needs and wants.

Some people prefer to use programs that tie directly into your accounts and put the transactions in for you. The truth is that tools such as that are not 100% secure, nothing is. Budget Pulse however never takes any information and thus can never share any information.

A Simple Online Checkbook That Is Always With You

Who wants to carry around a checkbook with them? Carrying something extra around is no fun, not to mention needing a pen. Budget Pulse is like a online check book, you input your income as well as your expenses keeping track of how much money is actually in the account.


Where Budget Pulse beats the hand written check book is that you can access it from anywhere at any time as long as you have internet. Also you can put in your regular bills, think internet, phone, car payment, as a recurring payment one time and forget about it. The Budget Pulse will add it to the transactions for you.

Tracking Your Net Worth Made Easier Then Ever2016-11-08-00-40-22

We love to know exactly how much we are worth, some of us are worth very little or even negative. Others are worth thousands if not millions of dollars based off of what they own.

Budget Pulse keeps up to date with your net worth without you having to sit down and crunch the numbers. A time saver, and something to brag about to your friends.

Set Clear Easy To Follow Goals

Budget Pulse makes it easy to set goals where you see it on a regular basis. You can even input where the funds will come from, the date that it must be finished, how much you’re going to save every month.

Keeping this in front of you will help you maintain focus on the goal.

Budget Pulse Review – Summarized

Whether you’re a financial nerd, or just want to get your finances in order we all need to have a budget. There are many ways to create this budget but unless it’s easy we aren’t going to even start let alone continue to follow it.

With Budget Pulse we can not only get started easily, but we can continue to follow a budget and reach whatever financial goals we have.

We’ll also have the confidence that our information is safe. Our online check book will make keeping track of everything just a click away. And we’ll be finally accomplish our financial goals, because we have a constant reminder.

Why wait, sign up today.

Image courtesy of Stuart Miles at


The Art of Writing Dispute Credit Letters

Many power users of credit have black marks in their history. When they show up, you need to know how to knock them off your credit report. Therefore, learning how to write a dispute credit letter is essential to repairing your credit.

You need to know exactly who to contact, how to frame your argument and what credit report errors are more important than others. Identity theft is very common and it is vital that you jump into action at the first sign that someone may have stolen your info. With those types of errors on your credit report, you are going to writing plenty of dispute credit letters. That is exactly what this post is for.

Know How Mistakes Happen

Furnisher Error

The banks, loan institutions and collection agencies that are considered “data furnishers” for credit reports are all staffed by human beings. Which is to say, they are not perfect. Errors made by data furnishers, such as attributing a missed payment to your report that was in fact missed by someone else, actually do happen.

Mixed files

Someone with the same name or a similar name may have their credit actions show up on your report. Be on the lookout for those types of screw-ups

Identity Theft

If someone has stolen your Social Security number and opened up a credit card in your name or applied for a loan, that could end up on your report. You need to know how to craft dispute credit letters in order to combat ID theft.

Old Debts Popping Up

Collection notices are supposed to age off of your report seven years and 180 days after first being noted as delinquent. However, sometimes those debts can change hands to third-party agents, which can muck up the start date of collection notices. Keep a sharp eye out for debts that should be off your report by the letter of the law.

Writing Dispute Credit Letters

There are a few hard & fast rules you want to follow:

Be clear and direct. Know exactly what you want to dispute and how you are going to go about it, before you even start writing. Spell out exactly what is inaccurate about the mistake on your credit report, so the credit bureau you are contacting has the right info. Provide a fix for the mistake.

Don’t start spouting off about federal statutes. The credit bureaus know the laws backwards and forwards. Just stating that you want to initiate a dispute is enough.

Be sure to include your return address. You need the bureaus to send their response to the correct place so you can respond in kind.

Send it by certified mail. Dispute credit letters need have documentation that they reached the right place at the right time.

Provide copies of documents that support your claim. Do Not Send Originals! They can get lost easily.

Be Wary of Credit Repair Companies

Especially ones that claim a guaranteed 100-point rise in your credit score. No company can make claims like that happen and such claims are illegal. Most typical errors can be fixed by writing dispute credit letters, filled with the correct information and making your care politely and concisely.

Utilizing a credit repair company may be necessary if there are errors or items on your credit report that require an additional dash of expertise and experience. Large, complicated identity theft cases, perhaps or a messy divorce settlement.

The bottom line is, learning how to write dispute credit letters is important for the health of your credit report and the fullness of your bank account. It is a very important skill to learn.