Saucy Ways to Eat Better and Save Money

homemade pesto

Today’s guest post is by Barney Whistance.

Everybody enjoys satisfying their taste buds and cravings by eating a scrumptious meal. Whether it’s homemade mac and cheese on a chilly night, fresh green salad with Caesar dressing or pizza with your favorite zesty ranch dip, you know you need the right sauce to elevate your food from plain nice to super yummy.

However, often at the end of our trips to the grocery store, we are left with a lengthy receipt of items bought, a big dent in our bank account and many questions buzzing in our heads. How did the bill reach that high? Did I buy things I shouldn’t have? Why does this always happen? Why are these oh-so-tempting and fancy-named sauces so darn expensive?

Well, the answer is because they are! And they aren’t expensive because of the product it contains but more so because of the brand it belongs to and the designing, packaging, and marketing that went behind it. Knowing that we wish that we could sometimes maybe try making them ourselves yet we are never able to muster up the motivation and effort to do that. Nonetheless, there are solid reasons which should encourage you to replace your store-bought sauces and dips with cheaper, healthier and tastier homemade ones.

Dipping Sauce

When you replace these commonly used dips with your own versions, you will be saving your hard earned money. Secondly, you will be healthier due to the reduction in sugars, salts, vegetable oils, and nutrition-less fillers like gum or starch. And thirdly you will enjoy a more renewed, sensitive and mature taste palate formed by tasting fresh and natural ingredients. The following are some healthy sauces you can easily make at home.

  1. Tomato Sauce: A staple in every American household as we buy 10 billion ounces of it each year, ketchup is found in around 97 percent of our homes.  But such high consumption of store-bought ketchup is unhealthy and unnecessarily expensive. Why waste money on a fancy looking ketchup when you can make the same quality sauce at home for less than a dollar? All you need are some cans of tomatoes and some simple spices. Cook it all together and add flour, or grind veggies like onions or beet for a thicker consistency and a unique flavor. To make it for a sassy dinner party you can experiment with red wine, basil, and parsley.  According to, homemade ketchup is less than half to a quarter of the cost of a store bought one.

  2. Mayonnaise: Mayonnaise is so commonly used that we just expect it to be there in our fridge all the time, although the commercial versions can be costly, not great in taste and high in calorie and sugar content. However making it is very easy and a person who doesn’t know how to cook can even do it well. With just 5 ingredients and a blender, you will do your pocket and health a big favor especially if you, like most Americans, use it often.

  3. Pesto sauce: While sounding intricate and complex, pasta’s partner – pesto – can be made with any aromatic and tasty green leaf, nutty oil and hard salty cheese. If you have lemon, garlic, salt and olive oil, then you can make this sauce for any budget that you are under. You can add kale and other greens to up the nutritional value, in addition to the standard basil.

  4. Yogurt/Greek Yogurt: Another daily use food product, making yogurt will not only be easy but very cost effective, especially in Greek style. Most people assume that it’s very hard to make Greek yogurt but in fact the opposite is true. Making both types of yogurts is simple, it involves boiling and cooling the milk, mixing in a spoon of yogurt either natural or store bought and then keeping the mixture at a warm temperature for a few hours. That’s your yogurt, now remove whey or the watery liquid from it completely through a sieve, strainer cloth or tissues and what you are left with is the exotic Greek variety. Cost savings for homemade yogurt compared to a store bought one is up to 84%.

  5. Jams, curds and concentrates: Commercial store bought jams often seem extremely cheap but when you take a look at the ingredients there’s hardly 20% fruit. That’s expensive for a load of sugary water with preservatives. Making your marmalade and concentrates at home will be much cheaper, tastier and healthier. However, the tip here is to remember to stick with the fruits with are in season so that you can find them easily and cheaply and make big batches. Curds too are highly priced at stores with low-quality ingredients whereas the same can be made with all organic ingredients at home with less than half the price.

Granola bars, croutons, bread and baby food are some other food and snacks that you can easily make at home for yourself and your family. Remember the bigger your batch the more you save. You can also easily freeze the batches of most of these for later use. This way you will cut down your needless costs and keep your body slim and healthy. In the end, you will find that making more and more of your food at home will reap many benefits to your entire lifestyle.




Barney Whistance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. You find him on Twitter.

7 Fun Ideas for Memorial Day without Breaking the Bank

memorial day

Today’s guest post is by Amy Nickson.

Every year, most of the Americans celebrate the Memorial Day weekend lavishly and regret later after checking their bank account.  This year, think twice before splurging money on the long Memorial Day weekend fun and frolic.  Celebrating a special day doesn’t always require spending a lot of money.

Many Memorial Day activities are absolutely adorable and won’t break your budget. Here you go:

1. Attend a local Memorial Day event

You may never notice but every year, on Memorial Day, some events usually take place near you. This year, don’t miss them. Catch your nearby Memorial Day event to have some great fun with your family. It can be a street fair, a carnival, a beach BBQ, or an open music program. These types of events are usually complementary or come with very low-cost entry fee. So, keep your eyes on the local newspaper or local listing nearby to know about the timing in detail.

2. Consider a day exploring trip

Why do you think enjoyment comes from only a long trip? Why don’t you think about a day trip to your local areas? Considering a hiking or a day trip to local sightseeing can be the best ways to get energized without spending a lot. Find out a place that is only a couple of hours away from your home. It can be fishing, camping, hiking, beach roaming, and exploring places as well. Pack some meals, water, and other supplies to enjoy some fun-filled time with your dear ones.

3. Host a sports event in your backyard

This year, invite your friends and neighbors to join a sports gathering in your backyard. Planning for a sports event can be the most fun-filled idea staying within the budget. To cut the additional food cost, you can make the event BYOF (bring your own food), or can keep only the basic stuff like lemonade and popcorn. Remember, the more games you plan, the more fun. So, keep some great sports like soccer, running with flag, Kan Jam, Cornhole or Bocce Ball. Don’t forget about little guests. Arrange some sports for children (running, baseball, softball, sit and draw) as well.

4. Have fun with kids at the nearby park

Free activities like cycling, see swaying, and swinging are full of fun for the kids. For working parents, Memorial Day weekend is the ultimate time to visit the local park with kids to experience boundless joy. Flying the kite, Frisbee, soccer ball are also great outdoor fun activities.

Family at the Beach

5. Visit the local beach

People who live in the coastal area are blessed. They can visit the local beach on every occasion for playing with salty water and sand. Enjoying a beach day doesn’t require a huge amount for having fun. You just need swimming gear, towels, and sunscreen with some snacks like sandwiches and coconut water.  However, if you want some floating fun, you can rent a paddle boat, canoe or kayak. You usually need to spend about $10 an hour for renting.

6. Enjoy a movie day on the Memorial Day weekend

The idea of catching up the latest movie with family and having costly snacks is meaningless when you can arrange an in-home movie day. By doing so , you can watch a number of your favorite movies at a cheaper rate. Rent movie from Redbox and stock up your favorite candy to enjoy some good time. You can also order your favorite pizza to say “good bye” to the kitchen for the whole day.

7. Don’t miss the parade

If catching the National Memorial Day parade in Washington DC can’t be possible for you, then check the parades scheduled in your area. At least, you can watch the parade show on TV or online while sitting with your family. Feel the vibes of the Memorial Day in your heart.

You need a break, you deserve a break. it is nearly halfway through the year, and you are busy with work, deadlines, financially stretched, puzzled with overwork; so figure out what to do, where to go and what you can actually afford. Thus you can enjoy a best ever Memorial Day without wasting your hard-earned money.


amy nickson

Amy Nickson is a web enthusiast. She completed her graduation from Oglethorpe University, Atlanta, Georgia. She works as a financial writer and she shares her expertise through her crisp and well researched articles based on money management, money saving ideas, debt, and so on. You can follow her on Oak View Law Group where she shares her expertise on personal finance field.


Home Remedies for Reducing Joint Pain and Improving Joint Mobility


Today’s post is by Katleen Brown.

Joint pain is a problem that many people face on a daily basis. Not only can this condition be painful, but it can also cause limitation in a person’s natural abilities and may even impair an affected individual’s ability to perform certain day-to-day activities, such as washing the dishes, typing out an e-mail or making a simple cup of coffee. While these activities may seem natural to many people, a person who experiences severe joint pain can confess that the tasks become much harder and even painful when the symptoms start to flare up.

The number one cause for joint pain is a disease known as arthritis. This term actually refers to more than 100 different types of diseases that affect the body’s joints, with the most common types being osteoarthritis and rheumatoid arthritis, as well as gout, psoriatic arthritis and fibromyalgia. Centers for Disease Control and Prevention reports that around 22.7%, or 54.4 million, of the adult population in the United States have doctor-diagnosed arthritis. They also report that, at the rate at which the disease is currently being diagnoses and by considering the rising trend in the prevalence of arthritis, as much as 78 million American may be diagnosed with arthritis by the year 2040.

Epsom Salts Natural Remedy

Dealing with Joint Pain… Naturally

Joint pain can be treated in many ways. If you visit a physician and complain about joint pain, they will most likely prescribe a series of NSAIDs for you. Painkillers and muscle relaxants can also be combined with NSAIDs in more severe cases as they can help to further reduce the pain and stiffness, as reported by WebMD. The most common types of NSAIDs that are used for joint pain, especially when the patient has a form of arthritis, includes Aspirin, Ibuprofen, Fenoprofen, Celecoxib and Diclofenac. Unfortunately, these medications can cause unpleasant side-effects, such as constipation and diarrhea, nausea and vomiting, headaches, drowsiness and a loss of appetite. Some of these drugs can also lead to ulcers, kidney problems and excessive bleeding.  The following tips and techniques can be used as alternative remedies to reduce joint pain and increase joint mobility without being at risk of these side-effects.

Exercise Relieves Pain And Improves Flexibility

Physical exercise on a regular basis can be very beneficial if you experience joint pain frequently. Even patients who have been diagnosed with arthritis can benefit greatly from exercising. Mayo Clinic explains that regular physical activity can help the muscles that surround joints become stronger, support your balance and help you maintain the strength of your bones. Physical exercise can also increase your energy (individuals with arthritis often feel weak and experience fatigue) and reduce your body weight if you are overweight (excess weight puts more pressure on your joints, which can lead to more pain).

Epsom Salts And Some Water

An Epsom salts bath is an age-old folk remedy. Epsom salt was originally produced in the springs located in Epsom, England. Even though the name includes the word “salt”, the substance isn’t really a type of salt. It is actually a mineral compound that consists of magnesium, as well as sulfate. There are many uses for Epsom salts. People use it to relax, to improve blood circulation, to regulate their blood sugar levels and even to treat constipation. Epsom salts are also often recommended to individuals who experience muscle aches and joint pain. It is reported that Epsom salts can also reduce inflammation, which is beneficial for individuals who experience pain and reduced flexibility in their joints.

Natural Remedies

Scientists and medical experts have discovered that many herbal plant extracts, spices and nutrients have medicinal properties that can reduce inflammation, inhibit pain receptors and even help to relief painful symptoms experienced by patients with arthritis. One of the most powerful natural substances is Turmeric, which is a spice that is used in curry and many other dishes. Apart from Turmeric, other compounds can also be used, such as Ginger, Extra Virgin Olive Oil, Dandelion Leaves, White Willow Tea, and Peppermint oil. Supplements that contain a combination of vitamins, amino acids, botanical extracts and minerals can also be used. One example is Flexoplex, which contains Methylsulfonylmethane, Cat’s Claw Bark Powder, Hyaluronic Acid, Bromelain and Trypsin – all of which are naturally extracted chemical compounds that provide a relief in joint pain, increases joint flexibility and even protects joints and bones from breaking down in patients with arthritis.


Joint pain can be discomforting and interfere with your ability to perform tasks that you are usually able to perform. It can also have an adverse impact on your productivity at work. Fortunately, joint pain can be effectively treated. While the most common treatment option is medication, you should consider natural alternatives, combined with regular exercise, to experience a relief in these symptoms without the development of side-effect caused by medication.


Katleen Brown

Katleen Brown is a health, beauty and fitness writer. She loves to publish her articles on various health related websites. In her spare time, likes to do research to bring awareness. Recognizing the unity of body, mind, and outlook, she helps empower women to tune into their innate & inner wisdom to transform their health and truly flourish. 

$250 March Madness Giveaway

march madness

Score Big during the $250 March Madness Cash giveaway where you have the option of choosing between $250 PayPal Cash OR an Amazon E-Gift Card! In my neck of the woods, we all bleed blue for University of Kentucky – go UK!  But it doesn’t matter if you’re a fan of basketball or not, anyone can win this awesome giveaway!

This event was organized by The Kids Did It & The Mommy Island and sponsored by the awesome bloggers, authors, and Etsy shop owners listed below!

Give some love to the March Madness sponsors and follow them on social media:


March Madness Sponsors:

The Kids Did It
The Mommy Island
Zombie Parenting
Healthy Happy Thrifty Family
Parenting Healthy
Easy Enter Sweepstakes
Savvy Sweeper’s Tidbits
Mom To Grandma
Home Jobs By Mom
Krazy Kat Freebies
PaulaMS’ Giveaways, Reviews, & Freebies
Author Mary Ting
Misadventures with Andi
Nicki Elson’s Not-so-deep Thoughts
Miss Molly Says
Confessions of a Frugal Mind
Hip Mama’s Place
FROG Reviews and Ramblings
Thrifty Mommas Tips
Jennifer Lane Books
MumbleBeeInc Deals and Steals
Reviews And More By Rosey
Jenny at dapperhouse
Still Blonde after all these YEARS
Imperfect Women
Coupons and Freebies Mom
Your Strong Tower
Mom Does Reviews
Sonya’s Happenings…

ONE entrant will be selected by the entry form to win $250 PayPal cash OR $250 Amazon e-gift card. Open for entry WW, 18 years and older from 03/14/17 thru 04/03/17 at 11:59pm ET. No purchase necessary. Void where prohibited. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. See Rafflecopter for official rules. The Kids Did It & The Mommy Island are responsible for sending the winner their prize via PayPal or Amazon. The winner has the option of choosing between PayPal and an Amazon gift card. Please contact Amanda ( if you have questions or you’d like an event organized.

a Rafflecopter giveaway

$25 Target Gift Card + ESCAPE Book Giveaway!

Disclosure: No compensation was received. 
Please note: This is a religious based book.

Who’s ready for another giveaway?  I’ve personally read both of Heather’s books and you are going to LOVE them!

Lil’ Blog and Your Strong Tower are very excited to bring you this
giveaway from Best Selling Christian author, Heather Rae Hutzel. There
will be two prizes up for grabs!

The grand prize is a $25 Target
gift card plus signed copies of both of Heather’s books, ESCAPE: Break Free from Mediocre Christianity and Embrace the Radical, Set-Apart Life You were Made for and The Book of Life: The Greatest Story Ever Told.
Second prize is a signed copy of ESCAPE. 

If you are resolving to
go deeper in your walk with God this year, reading ESCAPE will help you
do just that. To read a detailed review on the book, click here

And a big thank you to the helping co-hosts, as well: Forever Dreamin’, Cha Ching Queen, Michigan Saving and More, and Live Learning, & Baking with Valerie.


The Giveaway

Heather Hutzel  had graciously agreed to giveaway 2 prizes, to 2 lucky winners!
The contest runs from February 9, 2017 through February 24, 2017.  Open to US residents age 18 and up. Winners will
be contacted via email and will have 48 to respond and claim their

Entering to win is super easy (as always) with the GiveawayTools form, below:


The bloggers involved in this giveaway were not compensated, and are
not responsible for prize fulfillment.  This event is sponsored by Heather Hutzel.  Must be 18 years of age or older to enter this giveaway.
This giveaway starts February 9, 2017, and will end on February 24, 2017 at
11:59 pm. The winners will be emailed, and have 48 hours to respond, or a
new winner will be chosen. Once a winner is drawn and confirmed, the
name will be announced on the GiveawayTools form.

Wakey Wakey Giveaway

The Perfect Cup Of Coffee With Wakey Wakey KCups Giveaway from Java Factory!

Deliciously Savvy is hosting a giveaway in which one lucky winner will win a 40ct box of Wakey Wakey KCups from Java Factory Roasters. Enter Today & Good Luck! Read My Review Of This Delicious Brew HERE.

Sponsored By: Java Factory

Hosted By: Deliciously Savvy

Co-Hosted By: Heartbeats ~ Soul Stains

Plus a Big Thank You To All Of The Amazing Bloggers Helping To Promote This Delicious Giveaway ~ You All Rock :)


The Details:

1 Lucky Winner Will Receive A 40Ct Box Of Java Factory Roasters Wakey Wakey Light Roast KCups

Read My Review Here


And Now The Giveaway!

Giveaway Dates: Live Now until 02/18 11:59PM EST

Entrants must be 18 years old to enter and giveaway is open to US residents only.

Any Questions Email Me At mcushing7 (at) hotmail (dot) com.

This giveaway is in no way endorsed, affiliated or associated with Facebook,
Twitter or any other Social Media Networking Site. This giveaway is valid only
in the United States. Entrants must be 18+ years of age to enter.
This giveaway will end at 11:59PM (EST) on 02/18/2017.

Good Luck! Enter Below

Also we all “love it if you like us” on Facebook!

By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!

Deliciously Savvy did not receive any form of compensation for this giveaway other than receiving this above items in order to facilitate my review. Once winner is selected via the Giveaway Tools process, the product will be shipped. Winner has 48 hours to respond or another winner will be chosen. No other blog associated with this giveaway is responsible for the product shipment. Java Factory will be providing the prize above to the winner. Thank You for stopping by! Any Questions or Concerns email me at mcushing7 (at) hotmail (dot) com.

If you have any questions or are a brand/company and would like to work with Deliciously Savvy please contact us here.

As Always…. Thank You For Visiting Deliciously Savvy Today and Leave Some Comment Love While You Are Here!

Save Money on Your Next Car

Save Money on Your Next Car

Today’s guest post is by Barney Whistance.

Buying a car is a big decision. There’s much to consider. You have to decide which make and model you would prefer to buy, how good its resale value is, how economical the car would be for you. As you are weighing all these pros and cons you are also planning your budget for the automobile. There is no denying that vehicles don’t come cheap. Therefore it’s necessary you make a choice that suits you perfectly.

 A car that will last you for more than 150,000 miles without giving you major maintenance headaches is a good investment.  How many miles do you drive in a year? Some drivers might hit 150,000 in a matter of 5 years, and some aren’t even to 100,000 after 10 years.  Cars vary widely in fuel efficiency, which is why you should prefer to have a cheap but stable option. There are many things to consider when deciding on a budget, your method of payment, and your car model and manufacturer. Here is what you need to do in order to get the best deal and get the most out of your next car or truck.

Bargaining on the Internet:

You can buy just about anything on the internet today: a holiday gift, a stationary set for your office, your groceries, and yes, even cars. The Internet can be a convenient way to get the best deal on your car. This is because most sales people on the internet are hired on a salary and earn bonuses on volume instead of commissions based on the sale prices. This means that these people will have the incentive to give you the best price to make a sale.

Bidding War:

When purchasing a car, have as many options available as possible. When you are selecting a car dealer, talk to every dealer in your area that sells your preferred make and model. Then ask them to pitch you their best deal. Make a point in telling the dealers that you have also received offers from other dealers. This might even get them to give you an even a better deal. The offer could be in your budget or over. But a lower offer does not mean that you take their offer at once; take some time to think about and then make your decision.

Right Timing:

Don’t always go for this year’s model.  Dealers are under pressure to clear their sales floors of last year’s stock.  Not only will you save thousands, but you will also have a better opportunity to get more consumer reviews and feedback on the car’s performance. Two to three months after the new models come out is when prices start to drop on the previous year’s models.

Trading In Your Car:

Lastly, keep your car for as long as possible. Don’t trade your automobile after only a few years. Cars are one of the fastest depreciating assets on the market. Their values decrease as soon as you drive your new car off the dealer’s lot to your house.  Reap maximum benefits by owning it for as long as possible. When the car starts giving you more trouble than you can afford, only then plan on selling it. Most times, you will get more for your old car when you sell it to an individual versus trading it in at the car dealer.

Having a new car is a luxury that not all can afford, so make the best use of it. Purchase it with proper research on the car models and the deals you are getting on it. Pay cash if you can!  If not, put as much money as you can as a down payment and finance the rest for the shortest period of time that you can reasonably afford.  Remember, it is a financial decision that you and your family will have to live with for some time.


Barney Whistance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. 

Love Your Pet Giveaway

The Love Your Pet Giveaway! 2 Winners! Ends 1/26

Deliciously Savvy is hosting a giveaway for all the pet lovers out there!  Those of us with pets know that they are like kids to us.  Our cats, Peanut and Little Tiny have been a part of my family for 13 years.  And we love to spoil our fur babies!

There will be 2 winners in this giveaway (One 1st place winner and one 2nd place winner ~ TRV of $80). Enter Today & Good Luck!

Sponsored By:


Hosted By: Deliciously Savvy

Co-Hosted By:

Amy & Aron’s Real Life Reviews // Your Strong Tower // Moms Gone Nerdy // My Silly Little Gang // Oh My Heartsie Girl // Best MMORPG 2017 // Heartbeats ~ Soul Stains // Michigan Saving & More // Capri’s Coupons // PaulaMS’ Giveaways, Reviews, & Freebies

PLUS a Big Thank You to all blogs that are helping to promote! We can never do it without each and every one of you!

The Details:

2 Lucky Winners For This Giveaway! 1st Place wins a Pair of HandsOn Bath and Grooming Gloves ($25 RV) PLUS a Pet Giftbox (for either a cat or dog) full of treats, toys and fabulous products for your furry BFF ($30 RV). 2nd Place Winner will receive a Pair of the HandsOn Bath and Grooming Gloves ($25 RV)!

HandOn Bathing / Grooming Gloves (1st & 2nd Place Winner $50 TRV)

Pet GiftBox ~ Subscription Box for Cats or Dogs! Customize it to fit your needs! (1st Place Winner Only $30 RV)

And Now The Giveaway!

Giveaway Dates: 01/04/2017 9PM EST until 01/26/2017 11:59PM EST

Entrants must be 18 years old to enter and giveaway is open to US residents only.

Any Questions Email Me At mcushing7 (at) hotmail (dot) com.

This giveaway is in no way endorsed, affiliated or associated with Facebook,
Twitter or any other Social Media Networking Site. This giveaway is valid only
in the United States. Entrants must be 18+ years of age to enter.
This giveaway will end at 11:59PM (EST) on 01/26/2017.

Good Luck! Enter Below

Also we all “love it if you like us” on Facebook!

By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!

Deliciously Savvy did not receive any form of compensation for this giveaway other than receiving this above items in order to facilitate my review. Once winner is selected via the Giveaway Tools process, the product will be shipped. Winner has 48 hours to respond or another winner will be chosen. No other blog associated with this giveaway is responsible for the product shipment. The Various Sponsors Above will be providing the prizes above to the winners. Thank You for stopping by! Any Questions or Concerns email me at mcushing7 (at) hotmail (dot) com.

If you have any questions or are a brand/company and would like to work with Deliciously Savvy please contact us here.

As Always…. Thank You For Visiting Deliciously Savvy Today and Leave Some Comment Love While You Are Here!


The Cure for Money Headaches

Today’s guest post is by Barney Whistance.

Planning a solid financial present is centered around four basic stages of financial management; creating an emergency fund, paying off debts, saving for larger long term goals, and investing in your financial future. Any sound financial plan also includes planning, foresight, and budgeting to get in the clear.

Here is a breakdown of the four stages of financial management that will get you on track to reach all your personal financial goals and dreams.


Cure for Money Headaches

Build an emergency fund

Your first step to eliminating money headaches will be saving enough for an emergency fund. This will give you and your family peace of mind to handle much of what life may throw at you in the coming years. This initial savings goal should include enough money to get through at least three months of living expenses in the event that you get laid off or have some other type of emergency, like a car or water heater breakdown. Even if you can’t get this saved straight away, keep it as a target to aim for. Also, make sure that the money is in an easy to access account. In an emergency you will need instant access to these funds. If you have not done so yet, create a workable monthly budget, with a line item for saving.   Tuck away as much as you can each month to stock up your emergency fund as quickly as possible.

Pay off debts

Debts are liabilities. They throw your finance in the red and set you up to pay more than the actual amount of the loan in interest payments over time. The second step, then, in creating a workable long-term financial plan, is to eliminate consumer debts completely. Throw all of your resources at your debts and you will be saving a large chunk of money in interest over time that you can then apply towards other parts of your plan.

When it comes it debts it makes sense to tackle the ones with the highest interest rates first. This usually starts with any retail credit cards you may have, and then goes on from there. Just make sure that you don’t neglect the minimum payments on your other loans and debts while you pay down the first. Any budget you have should include at least the minimum monthly required payments on all of your loan agreements.  Bank credit cards, student debts, and other personal loans should also be on this list. 

If you’re facing heaps of student debt in addition to credit card and personal loans, examine your loan types and current occupation to determine if you qualify for federal loan forgiveness or other types of loan reductions due to your career of choice. Government employees, teachers, those working in the non-profit sector, and certain healthcare workers – like those working in critically identified facilities, community clinics, and hospice care support settings – can qualify for loan reductions or even forgiveness after a period of two to ten years.

Currently, only about one percent of the 33 million people employed in the non-profit and government sectors are benefiting from the Public Service Loan Forgiveness (PSLF) program. Check into the Federal PSLF and the Health Resources and Services Administration (HRSA) Health Professional Shortage Areas (HPSA) debt reduction programs to see if you qualify.

Build up your savings

Once you’ve built up your emergency fund, and paid off your consumer debt, you can concentrate on funding additional extras and loftier goals. These immediate savings goals might include:

  • Having enough money to go on a vacation and not have to worry about bills.

  • Saving up some extra cash to have on hand so you don’t have to worry about finances during maternity or paternity leave.

  • Putting together a down payment on a house or other property.

  • Buying a car with cash instead of taking out a loan.



The last stage of the journey is to ensure that you are putting money aside each month for important long-term goals like your children’s college education, pension plans, retirement savings accounts, and other long-term investments.

Consider diversifying your investments into physical properties. You don’t have to have a ton of money to break into the property market. With the explosion of crowd-sourced real-estate funding, like Fundrise, CrowdProperty, and Exceedant, just to name a few, you can now invest in part of a property or development project with as little as $20 and earn as much as 12 percent annual return. Diversifying into property investment early on is a great way to maximize your earnings over time.



Barney Whistance is an enthusiastic Finance and Economics blogger who is most interested in global economic climate. Apart from doing majors in Finance, he is also a Chartered Accountancy Student and planning to complete his Ph.D. in Finance before he turns 30. You find him on Twitter.

Falls River Soap Company Deluxe Gift Basket & $100 Amazon Gift Card Giveaway

Welcome to the Falls River Soap Company Deluxe Gift Basket & $100 Amazon Gift Card Giveaway!! 

Hosted By

Amy & Aron’s Real Life Reviews

Sponsored By: 

Falls River Soap Company

~1 Winner~

Open to US

12/02 (12am) to 12/16 (11:59pm)


 1 Deluxe Gift Basket $100 Amazon Gift Card
A special shout out to my awesome co-hosts for this event 
Deliciously Savvy IMHO Views Reviews and Giveaways~ Michigan Saving and MoreInezbyDesign~ Heartbeats ~ Soul Stains~ Dorky’s Deals~ Finding Sanity in our Crazy Life~  Just Happiling~ Babushka’s Baile~ Your Strong Tower


Thank you to all of the bloggers promoting this giveaway. All of our giveaways are so much fun when we do it all together.

Don’t want to wait for the giveaway to end to do some holiday shopping?

How about something until then?15% OFF + FREE SHIPPING  Click Here to get your Falls River Soap Company items now. Use the Code”WINTER16” for 15% OFF & Free Shipping on all orders $35 with Coupon!!

Find Falls River Soap Company on social media

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If you are looking to forever change the way you wash and experience the pleasure of the perfect bath or shower using the finest natural ingredients, it is time to discover Falls River Soap Company! Right now you can enter below for a chance to win a $100 Amazon Gift Card and a Deluxe Falls River Soap Gift Basket!  Personally, I only use all natural personal care products, so I’m very excited about this giveaway!

Falls River Soap Company is a small family owned business located in Ohio, specializing in handcrafted artisanal soaps since 2004. At Falls River Soap Company they use organic and high quality natural essential oils, herbs and botanicals sourced from all over the world to create homemade soaps the old-fashioned way, through the cold-process method of soap making.

Unlike mass-produced commercial soaps sold by those “other” companies you find in your local supermarket or drugstore, it takes a little extra time to create a Falls River Soap. The soap makers at Falls River Soap Company are busy working by hand in small batches at a low temperature and aging the soaps for up to four to six weeks to preserve the natural glycerin, producing the most luxurious, pure and gentle moisturizing soap imaginable for every skin type, scent or texture preference.

The eco-friendly natural soaps created by Falls River Soap Company do not contain harsh chemicals, animal fats or synthetic preservatives. They do not test products on animals and their handmade soaps are 100% vegetarian.

Falls River Soap Company uses earth-friendly ingredients like fresh goat milk, olive oil, shea and cocoa butter, coconut and avocado oil. Natural exfoliates include lemon peel, ground coffee and calendula petals and more.

And that’s just about it, natural ingredients and a whole lot of love combine to make the best handmade soap available anywhere at any price!

Now for the fun stuff. This giveaway is open to US. There are daily bonus entries so please check back tomorrow. Share it with your family and friends, they’ll want to enter to win too!!

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