7 Must Have DIY Tools For Weekend Warriors

7 must have diy tools for weekend warriorsDo you watch shows on HGTV and think “I can do that!”? Do you idolize the work of designers like Joanna Gaines? Well, I have a great list for you below! It’s the 7 Must Have DIY Tools for Weekend Warriors like yourself.

Now, before you go trying to knock down walls or hang some old flea market find on the wall in your study, make sure you have these DIY tools. You don’t want to pull a Steve Urkel and go from “I can do that!” to “did I do that?”.

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3 Lifestyle Changes To Make While Paying Down Debt

lifestyle changes*** Hey Run The Money fans, I want to share a guest post with you today from our buddy Jacob over at DollarDiligence.com. He’s giving us some great insight on lifestyle changes he made while paying off his debt. 

Fun fact about Jacob: Aside from his teaching career, he likes to learn & write about managing money and going on road trips to new locations. Make sure to follow him on Twitter @DollarDiligence! Take it away, Jacob! ***

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If you are like many Americans, you may find yourself in debt. Whether you owe money on a mortgage, a car loan, student loans or have crushing credit card debt, finding yourself “in the red” can cause tremendous stress and anxiety.  Yet it is possible to work your way out of debt — with smart planning and changes to your lifestyle and finances to slowly by surely dig your way out of your financial hole.

Related articles that required lifestyle changes to pay off debt:

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Top 7 Most Popular Gadgets on Amazon Under $200

most popular gadgets on amazonWhat technology, gadgets and electronics can you absolutely not live without? Chances are they made the list of the most popular gadgets on Amazon — and under $200 no less!

Consider this a chance to indulge for all you techies out there. Some things you may have, some you may want, and some you may not know you even wanted (add those to your Amazon wish list).

Regardless, you can be thrilled to know you won’t need to spend a fortune on your next tablet, television, or streaming device. Oh, and I included Amazon’s own branded products as well.

Enjoy!

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Boost Your Financial Health with a Smart Investment

smart investmentMaking a smart investment is about making choices that will not only meet your unique needs in the present, but also ensure you are able to accomplish your financial goals in the future. This will likely be dictated by your personal circumstances that affect the decisions you make. Nonetheless, whether you are saving for retirement, a home or education for your children, it is imperative to have a plan that ensures the healthy growth of your finances. Therefore, before choosing any investment instruments, you need to consider some strategies.

1. Investing principles to consider

a. Know where you are

When looking to make an investment, it is important to consider where you are. For example, if you are approaching retirement, the safest bet will be to invest in risk-free instruments such as certificates of deposits or money market funds. However, these investments only offer dismal returns. On the other hand, if you are not nearing retirement, you can afford to invest in areas that pay higher yields. In addition, you need to figure out if you are investing for the long term or short term. This will help you in aligning your investments according to your needs.

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8 Money Blogs To Help Keep Your Finances in Check

personal finance bloggersDo you have any favorite personal finance bloggers?

As a personal finance (and health) blogger myself, I have quite a few that I look to for inspiration and knowledge of the subject. After all, I realize I have so much more to learn. I consider myself a constant student of the subject.

Also, I enjoy commenting on various blogs and having a chance to engage people. It’s a great way to learn from each other as well as get Run The Money a little exposure.

I thought I’d share with all of you the personal finance bloggers that I follow. What’s fun about the blogging world is everyone has a different voice and perspective. So, it’s interesting to see the view each blogger takes on all matters personal finance.

Check out my list below and compare it with the personal finance bloggers you check in with on a regular basis. Let me know more about who you follow in the comments

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10 Side Hustles Anyone Can Start Right Now

10 side hustlesI’ve always been a huge proponent of the side hustle. That’s why today I found 10 side hustles I think you’re going to love and all you can begin right away.

If you’re not particularly a fan of being chained to a desk and/or clocking in and out somewhere, it’s a way to begin plotting your escape. On the other hand, if you do like your job, it’s a way to supplement your family’s income.

Either way, side hustles are a win-win!

Here are 10 side hustles I’ve found to be particularly interesting. They can all be started today and get you on a path to earning more money! I’ve also included some of my affiliate links to help you get started right away.

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You’re Killing Your Wealth: 8 Simple Truths Sabotaging Your Finances

You’re killing your wealth. Got it?

Wait. Let me back up.

killing your wealth I wanted to write this post as a list of the top 5 to 10 things you need to do to become wealthy. Then, I realized that writing something like that isn’t going to help anyone. Sure, it’s nice to think about building wealth and day dreaming about how that might look.

But, in reality, most of us aren’t even close to that reality. It’s a pipe dream.

We want to blame the government or our upbringing. Maybe we blame our boss for making us slave away at a job when we rather be building a business. Or, hell, maybe it’s just the fact that we now have a ton of responsibility in terms of mortgages, student loans, credit card debt, and raising a family.

Regardless of what you want the reason to be, you are the reason you’re killing your wealth. There, I said it. You are killing your wealth.

Rather than bore you with some long introduction, I’m just going to be frank with you. For whatever reason, I’m in that type of mood as I write this.

So, here it goes.

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What We Can Learn From People with Bad Credit

Do you know people with bad credit? Do you happen to have bad credit yourself?

people with bad creditWe often discuss here the concept of mindset.  Run The Money was founded with the idea that it takes the same degree of discipline, mental toughness, and personal growth to succeed in both personal finance and living a healthy life.

I once saw a blog post or comment (can’t recall the source) that equated being in debt with being overweight.  You’re in the hole with your money and you’re in the hole with your weight.

Well, if that’s the case, then think of your FICO score as your financial weight.  Instead in this case, the higher the better!

In a recent U.S. News and World Report survey of 1,500 people with credit scores under 640, 35% of the respondents said they don’t do research before applying for a new card. While this might not be earth-shattering news, it does give a glimpse into the mindset of people with bad credit.

Rather than look for credit cards that charge lesser interest rates or have better terms, they don’t do anything. Then again, it’s not like those who do any research are hitting it out of the park. U.S. News also found that 60% of people spend “less than an hour researching fees, interest rates and terms and conditions when applying for a new credit card.”

WTF? Seriously? No wonder they have bad credit, right?

The survey findings give us a chance to delve into the mindset of these individuals. Bad credit comes from bad habits. So, I think it’s important to explore this and see what it can teach.

There’s always hope I believe. But, it comes at a price. That price is education, failure, correcting course, and putting in the hard (but very necessary) WORK.

Let’s explore this more deeply. Shall we?

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Back-to-School Buying Guide: Top 5 Items to Save Money on This Year

Back-to-School Buying Guide

The summer always seems to go by so fast these days. Once the middle of July rolls around, you’re probably already seeing the “back-to-school” sales being advertised. As a kid, we all hated this of course. But, as parents today, it’s essential to know what’s on sale and that’s why I put together this Back-to-School Buying Guide (with our affiliate links).

I compiled a list of the top 5 items on your back to school list that should be purchased one time. That’s it. Buy it once and these items should last. Well, within reason of course.

According to the National Retail Foundation, families with elementary to high school kids will spend an average of $687 in back to school purchase. Yes, that’s right — $687! That’s insane.

While it may not work for every item (I get it, pencils break and kids grow out of shoes), you need to be on the lookout for simple ways to save. And, if it requires a bit of investment now to save money later, do it if you can afford it!

I included links to products from Amazon, Target, and Jet below for your convenience. See which products work for you and let me know how you make out! I want to hear how much you’re saving and what your kids enjoyed.

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31 Life Hacks to Save Money Quickly

How would you like to save $1,000 fast?  We are all looking for ways to save more money to fund family trips, our own retirement one day, and the kids’ college fund. That’s why today I’m sharing some life hacks to save money quickly. These are things we all can do to bring in extra money or stop spending money in certain areas.

life hacks to save money quicklyBefore we dive in, tell me if this sounds anything like you. You’re constantly trying to pay the bills and have just enough to cover the necessities each month.

Your monthly visitor, the credit card bill, loves dropping by or sending you emails to remind you how long you will be BFFs.   Student loans continue to be an albatross around your neck and there really is no end in sight.

Sure, you want to save money and put your family in a better financial position, but every time you get a little momentum, SOMETHING ELSE goes wrong. And it’s … here we go again!

I get it. I know it sucks and I’ve been there countless times.  Heck, Anna and I still run into problems and struggle with our budget.  I’m right there with you and I’m by no means perfect.

That said, I have learned a thing or two about saving, budgeting, and making money. So, let me share some of those ideas, tips, techniques, and methods with you.  This is not an exhaustive list, so if you want to chime in please do so in the comments.

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