How to Save Foran Emergency FundAn emergency fund is something that everyone should have. Life is very unpredictable. Things can happen in the blink of an eye. When those things happen you may not always be ready for them financially. An emergency fund can help you become better prepared to face them. That fund can help you to not accumulate new debt or get stressed about your situation.

Dave Ramsey states that a beginner’s emergency fund should start with at least $1000 in it. Sometimes people will look at that number and wonder how they are supposed to save that amount when they are living check to check. It’s not easy, but it can be attained. I know that everybody is busy, but saving $1000 for an emergency fund must be done. Below are three things you can do to help you save for your emergency fund.

The first way that you can save money for an emergency fund is to have a particular amount of money automatically deducted from your paycheck each pay period. Any amount helps. Even saving $5 per month is better than not saving anything at all. The point is to start saving! You may have to change your budget around depending on how much money you make, but it will be worth it.

If you want to save money for an emergency fund faster you can make money by learning a side hustle. Side hustles can be done before or after you go to work. There are literally thousands of side hustles that you can do such as freelancing, selling candy or sweets, blogging or selling items on eBay. In my life, I have done a lot of side hustles to help bring in some extra money whenever I needed it.

Another way that you can save money for an emergency fund is by getting a part time job. To some, that doesn’t sound like the most attractive thing to do, but it’s about saving that $1000 right now. People may think that they don’t have the time to work a part-time job. That couldn’t be further from the truth. There are many people that work a part-time job for a few hours after they get off of their full-time job. You can also work Saturday’s and Sunday’s as well. Remember, you don’t have to work the part-time job forever. You just want to work it until you have enough money in your emergency fund.

Having that emergency fund can give a piece of mind. Earlier this year I had a small situation happen. I had two flat tires in back to back months. In the past, that inconvenience would have me stressed out a bit. I would have had to use money from my regular checking account or worse my credit card.  This year I didn’t have to worry about any of that. I had an emergency fund. I was able to go to the ATM and withdraw that money to pay for those tires. It felt great to not stress about something like that for once. Without an emergency fund, it would not have happened.

Do you have an emergency fund?


Disease Called Debt

How to Stay Focused!

by Jason Butler on November 25, 2015 · 0 comments

unclesamFor some folks, it is very easy to stay focused. They have a laser-like tendency when it comes to focusing on things such as creating a side hustle or learning a foreign language. For other people, they have a hard time with focus. Their mind can be all over the place. Today, I discuss five different ways that can help you stay focused.

Get enough rest

The first thing you can do to help you stay focused is to get enough rest. Technically, you’re supposed to get at least 8 hours of sleep each night. I’m not sure how many are able to do that. I’m lucky if I can get between 5 or 6 hours each night. One way that you can get more rest is to start going to bed earlier each night. Going to bed an hour early each night will definitely help. Another way to get more rest is that you can keep your nightlife activities to a minimum.

Watch less television

According to the New York Daily, the average American watches 34 hours of TV each week. That’s a lot of time being wasted. A lot of those hours could be used to work on a business or a side hustle. I personally know that minimizing TV will help you get more focused. I used to waste valuable time watching countless hours of TV a few years ago. I started replacing some of that TV time with other activities such as reading and planning out my day. I noticed a mental shift. I had less mental clutter and was able to focus much more.

Being organized

Another thing you can do to become focused is to become more organized. Organization is one of the keys to success if you ask me. In today’s day and age, people have a lot of things going on. Many have full-time jobs as well as side hustles. Without being organized how could they expect to stay focused and get things done. Using a planner is one of the ways that I stay organized. I jot down things that I need to complete each week and each month in my planner. I also use a content calendar for my blog. This helps me make sure I don’t discuss one topic too many times in a row. Finally, I write things down on post-it notes. This helps me remember small tasks that I need to complete.

Use social media less

Social media is wonderful, but in my opinion it is one of the main reasons that people aren’t focused as much as they could be. I still struggle with my social media usage from time to time. There are way too many sites out there to distract you such as Facebook, Twitter, Snap Chat and Vine. One minute you could be focused on something, then the next minute you’re on Instagram liking multiple pictures. Below are 3 ways that can help you use social media less.

Take the apps off of your phone.

You can turn the notifications off.

Use a website such as cold turkey or one that is similar to block social media sites for an extended time.

How do you stay focused?

Shopping galleryBlack Friday will be here in a few days. If you’re one of the people that like to brave the crowds to find deals, then today’s post is specifically for you. I will share with you a few tips that will show you how to get the best out of your Black Friday experience.


Planning for Black Friday is very important. You should plan out everything. You should ask yourself the following questions. What stores do you want to go to? Do you want to start shopping early in the morning? Do you want to shop in the afternoon? Who are you buying gifts for? What is your budget for Black Friday? Those are just a few of the many questions that you should think about. You don’t want to be at a packed store or mall without a plan.


Researching can save you a lot of time and money. By researching, you can find out what stores have the real Black Friday deals and which ones only have a few. The last thing you want to do is go to a store and waste your time. I’ve heard about places that have so called deals where they will only have a certain amount of the item for sale. An example of this practice is a store selling the latest flat screen television for dirt cheap. They may only have 50 of the TV’s for sale. Once they are gone, that’s it. That would suck to be the person who missed out on them because they didn’t do enough research.

Map out your destinations

After you’ve done your research the next thing you want to do is map out where you want to go. If you live in a big city, you don’t want to waste time driving around all day. You want to get to and from each location in a timely manner. You don’t want to backtrack.

Get enough rest

If you’re going to be out there running around on Black Friday please get enough rest. There is a good chance that you will be out and about for a while. Getting enough rest will allow you to have the energy to stand in those long checkout lines.

Eat a good breakfast

Make sure you eat a good breakfast before you start your shopping. If you plan on visiting a lot of stores, the last thing you want to do is miss out on a deal because you became hungry. If you eat a good breakfast but think that it will not be enough you can always pack a small cooler with snacks and leave it in your car.

Get mentally prepared for crowds

Some people don’t have a problem with large crowds while others despise them. Regardless of if you’re one or the other you have to get your mind ready for the crowds. People go crazy for Black Friday deals. The news shows that people get trampled, run like wild animals and even start fights just to make sure they get that last PS4 or I-Phone 6. Most of the time the crowds are cool, but get your mind prepared for anything

How do you get ready for Black Friday shopping?

If you are thinking about shopping on Black Friday, you can find out everything you need to know at The Penny Hoarder.

Money Scams to Watch Out For!

November 20, 2015

Criminals are getting more bolder every day. They prey on the elderly and the uninformed through numerous scams. I don’t want anyone that is reading this to ever become a victim. Money scams come in all shapes and sizes. Today, I will discuss 4 money scams that you should watch out for. Foreign Lottery Scam […]

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4 Things You Can Do to Save Money Today!

November 18, 2015

Many people have a hard time saving money. I have had up and downs with money over the years. Some years I had decent savings while others I didn’t. Over the past couple years, I started doing these things to help me save more money. They are easy, but a few of them take discipline. […]

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4 Ways to Stay Out of Debt

November 16, 2015

A lot of people including myself have debt that we are actively trying to get rid of. We are trying different things such as side hustling or looking for part time jobs to help us pay it off sooner than later. Once it’s paid off I know that I want to stay debt free. If […]

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How to Get Your Dream Honeymoon with Credit Card Rewards

November 13, 2015

Your wedding is one of the greatest days of your life, but it’s also one of the most expensive. However, there’s a way to make this day of major spending into a reward opportunity, like I have. By selecting the best credit card, you can actually use your wedding to help pay for another major […]

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7 Things You Need To Know About Money In Your 20s

November 13, 2015

This is a guest post from fellow blogger, James from Too many investors say they wish they could go back in time and change the way they handled their money. You can make sure you don’t make those mistakes in the first place! My biggest inspiration for launching this site was seeing how clueless my […]

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5 Things I’ve Learned from DINKS

November 11, 2015

This post has been six years in the making.  I started on this journey with Dinks Finance back in 2009 and to say my life is in a completely different plan now than it was back then would be an understatement. Back then I was recently unemployed because of the market crash and in the […]

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