You don’t want identity theft. Believe me.
One of the scariest moments of my life was when my data was stolen. A woman walked around Sacramento with a drivers license with her picture and my data. Since she had my Social Security number and date of birth, along with false documents, she opened up instant credit (or tried to) with over 15 retailers including Target, Lowe’s, Best Buy, and Home Depot.
The police recommended I report this to all three credit reporting agencies. When I tried to create an account with TransUnion online, I was told that I already had an account but it was locked out.
A shiver of fear went up my spine. I’d never been on the TransUnion site before.
Continue reading “Take The Equifax Data Breach Very Seriously. Take These 5 Steps.”
Our financial lives can get complicated, and sometimes things slip through the cracks.
I forgot about an old account when I moved from California to Utah a few years ago. I kept $140 in a checking account at a credit union to maintain membership, since credit unions often have great auto loan rates. The account slipped my mind, and I never notified them that I had moved.
I often run “missing money” searches for my clients, and for fun, I ran one for myself. Lo and behold, I got a hit! I found that old checking account. So I called them to prove my identity, and they sent me a check for a little over $140.
According to the National Association of Unclaimed Property Administrators, in 2015 $3.2 billion was returned to its rightful owners by unclaimed property administrators.
Could you unknowingly be owed money?
Continue reading “Missing Money: How I Found $140 In Five Minutes And You Can, Too”
Have you been thinking of trying online clothing consignment and thrift store – ThredUP?
I tried it and here’s the review of my experience for Tightwad Tuesday Episode #13
It’s amazing how much money slips through our fingers.
Once I started tracking my spending, I found my frequent trips to discount retailers added up. Buying a dress or blouse for $25 – $30 seemed like no big deal but take all together, the purchases added up to $120 – $150 a month. Until I started tracking my spending, I didn’t even realize I was spending so much money on “extras.”
Continue reading “3 Simple Questions To Ask Yourself In The Dressing Room That Will Blow Your Mind And Save Money”
I used to be excited when I bought something on sale. The “deal” was my indication of success. In hind sight, I wasted a lot of money with this mindset. Price is only one part of the equation.
A better way to think about your purchases is to determine the cost per use.
For example, when I changed jobs 3 years ago, I needed a lap top bag for client appointments. Professional looking was a must and something sturdy was vital. I decided on a black Michael Kors tote so it could double as a purse. I’ve used it just about every day for three years now and it looks brand new. I anticipate it will last at least another two years.
That tote was a great purchase. It was about $250.00 at the Michael Kors factory outlet store (not on sale.) Since the purse is a classic style, made to last many seasons and goes with everything I own, it was a winner.
Continue reading “Smart Shoppers Guide: Look Fabulous For Less Money”
In Episode 10 of Tightwad Tuesdays, I share thinking behind making a major purchase.
Skiing is my favorite sport so I bought new boots this season.
Were they an expense or an investment? You tell me!
What was your very best sporting goods purchase?
Have you heard of The Project 333 Challenge: Reduce your wardrobe to 33 total items?
The system consists of paring down the clothes in your closet to the items you love the most, fit the best and go together well. Now that’s a sensible idea! Courtney Carver, the mastermind behind Be More With Less, recommends 33 total items including footwear, accessories and jewelry. Workout clothes, pajamas, and sportswear are exempt.
Why would I pare down my closet to 33 pieces?
Continue reading “5 Benefits Of Building A Winter Wardrobe Capsule”
I am not one for buying on Craig’s list.
First of all, it’s time consuming. Once you finally find something fabulous, you have to connect with the seller. If the treasure hasn’t been sold yet, you still have to coordinate a meeting to take a look. By this time, you’ve already invested hours.
Continue reading “Tightwad Tuesday: How To Save 75% Off Retail Prices On Furniture”
I hate wasting money on stupid stuff.
The worst is when I buy the wrong thing at the store. Does that ever happen to you? Items look alike and there are so many choices. It’s easy to make a mistake and come home with the wrong thing.
There is a solution!
In this episode of Tightwad Tuesday, I share some money saving tips at the grocery store that can save you thousands of dollars every year.
Share with friends using this link – https://youtu.be/Kh5hY0Oeihc