More Than Finances

Get your finances in order!


7 Sustainable Frugality Tips That Will Help You Long Term

Learn sustainable frugality tips.Want to learn how to save money and stick with it? Here are some sustainable frugality tips.
Read More


Chicago’s Newest Start-Up Helps you Save Money by Comparing Services

Bootler Full Logo Green-01Ever feel like you want to try out some new restaurants, but do not have the time or the money? I for one know how easy it is to get into the routine of eating the same things every single day, but it gets boring quickly. Luckily, I recently stumbled upon something that has helped me mix it up and change the way I eat meals.

While at work the other day, I felt like I wanted to try something new for lunch. My usual turkey sandwich and chips from the shop down the street were just not going to cut it for me. Unfortunately, I was not left with many choices. I could walk further and cut into my lunch time or I could order something. Ordering something seemed like the better option, but I didn’t want to waste extra money on delivery expenses. I began searching online to fulfill my appetite and I came across a new website called GoBootler.

GoBootler is a new Chicago Start-Up that makes ordering food online a lot easier and helps you save money. The directions are pretty straight forward, it’s really no nonsense. You can browse through restaurants by cuisine type or even just search a place you have been wanting to try.  You click on items you want, thus building your meal and then voila, GoBootler compares different delivery companies for the best price. I seriously had no idea how many delivery companies there were. After using this new site, I have saved money and my meals keep getting better and better!


Small Investments to Save You Money

Something funny about money is that sometimes you have to spend a little to save a lot. While this may sound like a paradox, it’s the truth. We are always constantly worrying about money, even if we’re financially stable; it’s just one of those facts of life. Even after we’ve paid the mortgage bill, collateral loans payment and bought groceries we are still going to fuss about how much we pay for everything. But maybe it’s time to change the way we think.

There are a variety of consumer products on the market intended to help you save money. While you may have to fork over a little in the beginning, the savings will help you out in the long run.

“Smart” Surge Protectors

If you’re looking to save money on electricity, check out smart surge protectors. They come in a variety of shapes and sizes, but ultimately have one goal: to cut back on your electric bill. A large portion of our electric bills are a result of vampire electricity, or electricity our electronics use when we’re not in use. These smart surge protectors will automatically shut off electronics and small appliances not in use, so you can keep everything plugged while still completely eliminating the building cost of electricity.

Solar Lighting Tubes

You can completely eliminate your use of electric lighting during the day by investing in a solar lighting tube. These handy tubes get installed into your roof and, through the use of innovative non-electric technology, fills a room with light as if you’re using standard electric lighting.

Putting Trash Cans to New Use

Trash cans are used for a lot more than trash nowadays. While their production and manufacture aren’t the greenest of processes, they can be used to help cut back on various expenses. If you drill a few holes in the bottom of a trash can, you can create your own composter, where you can throw your old food waste and plant trimmings, keeping your waste production to a minimum. You can then, in turn, use the broken down compost to fertilize your plants. You can also use a trash can as a rain barrel, which you can place under the downspout on the side of your house. By collecting rainwater, you can water your plants and keep your new composter moist, and save yourself a little money off your water bill.

Trash cans are also great for collecting recycling. Instead of paying for recycling pickup, look for recycling centers near you; it may be more worth your time to bring your recyclables to the center yourself. While you may not receive much, some do pay a small amount depending on the cans and bottles you bring in to them.


This is probably the most obvious of these, but investing in a bicycle is a surefire way to save you money. A bike is relatively inexpensive–depending on the model and design–and requires no gas. The only expense is the occasional maintenance on the bike. This is most appropriate for people living in metropolitan areas, or for people who have all their resources near by. You will get a healthy dose of fresh air every day, get a little bit of exercise, and save yourself the $40, $50 or more that it costs to fill up a tank.

So by making these small investments, you are not only protecting the environment but conserving your money as well. While some of these may cost a bit in the beginning, the potential for saving money is huge. All it takes is a little motivation and inspiration to get you started on saving your money for the more important things in life.

Post by Jim


Lose Weight, Save Money

If you feel as though you have exhausted every possible way to save money each month and are still struggling to get by, you may want to consider your pant size. With obesity becoming a wide spread health concern across the U.S., many Americans are trying to trim calories out of their diets and maintain regular exercise regimens. However, losing weight and healthy living have more than just physical benefits. There are financial benefits to properly managing your weight as well. Areas in which a healthy weight will save you money include:

Health Care

Obesity can lead to a variety of high-risk health factors including high blood pressure, high cholesterol, and joint erosion. Those suffering from obesity are also more likely to suffer from heart attack and stroke, and be more prone to other forms of heart disease. To reduce the likelihood of high health care premiums and high medical bills in the future, stay within the healthy weight range for your sex, height, and age.


Many who are overweight eat out at least once everyday, and eating out just once a day can quickly add up. “If you are someone who chooses to go out for lunch every work day to escape the office, you could easily be spending $50-$60 a week, or $200 to $240 a month, on lunches alone which is more than enough to cover the cost of groceries for personal breakfasts, lunches, and dinners for a month,” says Charles Bulger from Instead of eating out, cook for yourself or bring your lunch to work. Your waist will shrink while your wallet will remain fat.


Larger clothing costs more because more fabric must be used. Clothing for larger individuals also requires special tailoring and unique designs which also make it more expensive. If you have excess weight, shedding those extra pounds to fit the your body type’s healthy weight will not only make it easier to find clothes, but will also make them cheaper.

Losing weight has numerous short and long term financial benefits, and if you want to start saving additional money each month and are overweight, you should consider starting a healthy diet and exercise program. Doing so will not only help you add years to your life, but it will also help you keep money in your wallet which can be invested to enjoy the extra years you will have added to your retirement.


15 Place to Find Free Music, Movies, and Books Online

In a struggling economy, many people are looking for ways to cut back on spending. Fortunately, the entertainment department doesn’t have to take a hit. This article lists 15 online sites that offer music, movies, and books at no cost so that you can enjoy some of your favorite past-times, completely guilt-free.

Jamendo – This music community is totally free to join, and listeners will find more than 45,000 albums to choose from that are available for download. Members can also upload their own music, create playlists and widgets, and participate in a variety of forums–all at no cost.

Music Oasis – This free and legal site gives music fans an opportunity to download as much music as they want with no strings attached. All songs are downloaded in mp3 format through a program called Instant IQ.

EZ-Tracks – This website features more than 50,000 songs that can be downloaded for in MP3 format, as well as unlimited access to ringtones, widgets, and music videos–all completely free. One can browse artists, genres, popular hits, and more on this fun and easy-to-use music site.

Epitonic – With a great selection of unique genres to choose from, Epitonic dedicates itself to the independent music scene. This is a great site to find something new to listen to, and all songs can be played and downloaded for free.

Aol Music – – This popular music site offers free MP3 downloads every day, as well as free radio, music videos, music news, lyrics, tour schedules, and more. It’s a hassle-free place to enjoy your favorite tunes and stay informed in the world of music.

Crackle – Created in 2007, Crackle now offers movie fans a wide variety of movies in nearly every popular genre. All movies are free, and by signing up for an account, they can be viewed anywhere that you have internet access.

ViewCave – Here cinema lovers can watch movies for free on any device that is connected to the internet. With a large collection of movies, television programs, movie trailers, and more, this site can provide countless hours of free entertainment!

FreeMoviesCinema – This website offers members not only the opportunity to watch free movies, but the chance to be part of an online social community as well. It’s free to join, and with categories such as action, adventure, animation, comedy, horror, martial arts, noir, and more, this site has something for all movie buffs.

Hulu – This highly rated site showcases a large selection of movies and documentaries, all of which can be viewed free of charge. Search for movies by genre or title, or browse new and popular movies that are featured right on the homepage.

FreeMooviesOnline – Since its beginnings in 2007, this site now has the biggest free movie library on the web. Registration is free and easy, and users can watch unlimited movies and television shows in many different categories.

Planet eBook – Featured here is a great selection of classic titles, and all books are free to either read online or download in PDF format. The goal of Planet eBook is to provide readers eBooks that look and feel like the real thing. – Here readers will find a comprehensive collection of eBooks in more than 25 genres, all free to read online. Books can be found by author, title, or category, and excerpts and reviews are readily available to help in making a selection. This site also offers a free forum where users can suggest, discuss, and blog all things books.

Page By Page Books – With hundreds of titles in this virtual library, classic literature fans are sure to find just what they’re looking for. Basic searches and a list of newly added eBooks make this site easy to navigate- and all books are free to read online instantly. – Showcasing a wealth of treasured classic authors, this free site updates subscribed readers by email when new authors and titles are added to their library. To find a book, all you need to do is scroll down the list of alphabetized authors and click! – With the honor of being the first site to publish a classic title online (Leaves of Grass, by Walt Whitman), now provides readers with a large collection of fiction, nonfiction, poetry/verse, and reference eBooks. Here all titles are available to read immediately online and they don’t cost a thing.

Guest post from Bailey Harris. Bailey writes on many topics, including car insurance for