The Frugal Biddy

I feel like this entire tax reform has taken me for a loop. I have been looking at my check stubs and am trying to figure out how to adjust my withholdings so I don’t have to pay too much in taxes. I used to be the person who was happy when I got a tax refund but that almost $200 per month that I had over withheld could have done a lot for me.

This is the new year. January 2018.  Around this time people are in the beginning stages of their New Year’s Resoluton. Some of those resolutions involve finances: paying debt, saving more, etc. Rather than make a New Year’s Resolution, why not make a Financial Pledge? It’s a pledge you would keep to yourself no matter the year or the circumstances…. Read More

I often see posts on different pages asking 1. how people afford to travel and 2. how one does it as a single person. I am a single parent and my one goal in life was to take one nice trip per year with my daughter. The first trip I took was to Disney World. My family had planned for… Read More

Not many of us are fortunate enough to have enough money at the end of the month in order to put that towards savings. Many of us could, through budgeting and cutting back, commit and create our own sweep accounts. A sweep account simply is when a financial institution takes your excess money and deposits it into a savings account… Read More

There has been a lot in the news about millenials and the housing market pushing them out.  A millennial is defined as anyone born between 1977 and 1994 so that is anyone between 22 and 39 years old.  The millennial generation is also the generation saddled with the most debt because of student loans.  I would strongly encourage millenials to… Read More