How to Find Black Friday Deals That Are Worth the Money

Good Morning America
RICK SEANEY,Good Morning America Sun, Nov 6 10:19 AM PST
Early Black Friday Deals: Should You Buy or Wait?
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Q&A: Expert tips on how to save on a cruise

I recently found an interesting website called CruiseFever.net, which contains loads of useful information about setting sail on the seas.

I asked the editor, Ben Souza, if he’d answer some questions that cheapos like me always want to ask. Here are his insights on how to save money booking cruises.

Q: What’s the best way to save money? Is it cheaper to book early or at the last minute?

A: Booking as early as possible will get you the best deal on a cruise because if the price goes down before a final payment, you can adjust your fare to the lower price.

Cruise lines have begun to cut back on last-minute deals, although you can still find them from time to time. The only downside to booking a last-minute deal is that your cabin could be in an undesirable location. If you don’t plan to spend much time in your cabin and don’t care about location, then a last-minute deal is the way to go.

Q: Should I book the cruise line’s shore excursions or make arrangements on my own?

A: Booking shore excursions through a third party will not only save you up to 50 percent from the cruise line’s prices, but you will likely receive a higher quality and more personalized excursion than by booking through the cruise line.

Just about all third-party shore excursion companies also offer a guarantee that you will be back to the ship in time before it sails away.

Q: What’s the most economical way to keep in touch with loved ones on the cruise? I heard getting online is expensive.

A: Over the past few years, cruise lines have begun to roll out faster and more affordable internet packages. The days of extremely slow internet at 75 cents per minute are all but gone. Carnival now offers a package that costs only $5 per day and allows you to connect to all social media apps on your phone or tablet. Royal Caribbean’s VOOM internet is the fastest at sea, with unlimited packages starting at $12 per day.

Q: When are the most economical times to cruise?

A: A good rule of thumb is that prices are likely to be higher around any holidays or when kids are out of school. The most economical times to cruise are mid-January through February, early May, and September through early November.

Q: Are there destinations that are particularly good for budget travelers?

A: Carnival Cruise Line offers great deals for budget travelers on Carnival Inspiration and Carnival Imagination. Four-night cruises to Mexico are as low as $229 per person for cruises this fall (from California). Cruises to the Bahamas are also known to offer great rates for budget-conscious travelers.

Q: Any tips on Disney cruises?

A: You’ll pay a premium for a cruise on Disney Cruise Line, but they are worth every penny. The service, food, entertainment and the Disney experience set them apart from every other mainstream cruise line. The children’s area and programs are the best at sea, making Disney a great choice for families. (Marla’s note: You can monitor deals offered on Disney Cruises at disneycruise.disney.go.com/special-offers)

Q: Should I book a cruise with a travel agency or directly with the cruise line or with a website?

A: I always recommend to book cruises through a travel agent. Large agencies have group bookings on hundreds of cruises; they can book you into these groups, not only scoring you lower cruise rates but also extra amenities. These amenities can include on-board credit, free drinks, specialty dining and spa credits. Not only do you get these extra perks, but you have easy access to a travel professional who can answer all of your questions and will help you have the best cruise possible.

Q: Should I pay more (or will I pay more) for a more updated ship?

A: You’ll pay a premium to sail on a newer cruise ship due to a higher demand for ships that have the latest features on board. If your cruise is mainly about the ports that you are visiting, then save money by choosing an older ship that doesn’t have the latest bells and whistles.

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4 things to know about Black Friday

What to expect, where to find the best deals and how to steer clear of all the hype.

November has arrived, and that can mean only one thing: non-stop Black Friday hype between now and Black Friday (otherwise known as November 25).

For those new to these United States, Black Friday is the day after Thanksgiving, so named for its unofficial start to the Christmas shopping season, but today better known as the day department stores try desperately to remind people there are still department stores.

As CNET’s resident Cheapskate, it falls to me to give you a Black Friday primer, to share the secrets of this big day while simultaneously helping you avoid the hype. With that in mind, here are four things you should know about BF:

1. Every day is Black Friday

I’ve been writing the Cheapskate blog for nine (!) years this month, and if there’s one thing I’ve learned, it’s that every day is Black Friday. That’s why, on any given day, you can buy a Bluetooth speaker for $10, a Pebble smartwatch for $50, an HP Spectre x2 laptop for under $400 or — one of my recent favorites — a 3DR Solo quadcopter bundle for $379.99. (Less than a year ago, that same bundle would have cost you around $1,500. Seriously.)

Granted, Black Friday brings out a much larger volume of deals, but the deals themselves don’t always beat what I share every day. And if they, do it’s often by just a few dollars.

Bottom line: Don’t get caught up in the Friday frenzy. If there’s something you want to buy and you spot a great deal before BF, grab it. If you miss a great deal on BF, don’t sweat it: Chances are good you’ll see it again before long. Trust me on this; I speak from experience.

2. It pays to do your homework

Suppose you’re in the market for a new TV. You’ve heard that Black Friday routinely brings good deals on them, which is true. So when the big day rolls around, how can you decide whether it’ll be worth standing in line outside a big-box store at 4 a.m.?

Do your homework. And a great place to start is with price-history site Camelcamelcamel, which shows you the highs and lows for just about every product Amazon sells. You should also check the Slickdeals Price Tracker, which provides a basic price history for several dozen stores — just paste in the URL of the product.

The more you know about any product’s price history, the better prepared you’ll be on Black Friday. Just keep in mind that those histories don’t always include refurbished items, which frequently prove to be even better deals. Speaking of which…

3. Don’t overlook refurbs

Black Friday is almost always about new products. Not new to market, but new condition. And that tends to distract buyers from potentially better deals in the form of refurbished items.

Apple products are a great example. Black Friday is often the one day of the year when Apple itself discounts Macs, iPads and the like, though you’ll often see particularly good deals from the likes of Best Buy and Walmart.

But even those deals don’t often match up to what you can get on refurbished Apple stuff. I’m not saying you should always choose refurbished over new, merely that you shouldn’t overlook the former when looking at discounts on the latter.

4. Seek out ‘leaked’ store ads

One reason I’m so sour on Black Friday is it’s no fun anymore. In recent years, pretty much every store (online and retail alike) has taken to “leaking” its Black Friday ad beforehand — sometimes weeks before. For the bargain hunter, this is actually a good thing, as it helps you plan ahead and satisfies item No. 2, above. It just means that come Nov. 25. there won’t be any surprises.

When you’re ready to scope out the ads, head to sites like Bfads.net and Blackfriday.com. Just make sure not to get sucked in by the likes of Newegg’s “Black November,” which is little more than the company’s usual batch of daily/weekly deals. Likewise, Sam’s Club is touting a splashy “One Day Only” sale — for November 12. It’s all hype, people! (See No. 1.)

Stay tuned for more Black Friday tips and tricks as the day draws closer!

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Is Expensive Gym Wear Worth the Price?

With sportswear becoming more trendy and fashionable, often times you’re paying extra for branding and marketing – not quality. Here are a few tips to help you get great gym attire…without overspending!

First, consider the type of exercise you’ll be doing. For example, if you’re going to be running a lot, you might want to consider investing in active wear made with “moisture wicking” fabrics. Unlike cotton & linen, which trap your perspiration like a sponge, these fabrics work great at pulling the sweat away from your body and up to the surface of the material, where it can evaporate more easily. At stores like Target and Old Navy, you can find breathable, quick dry tank-tops and shirts for under $20.

Next, for us ladies, a well-fitting sports bra can be well worth the extra cost. Spandex and lycra can offer the best support, and depending on your size, a higher neck can help as well. If necessary, cut costs on other aspects of your outfit (like your yoga pants for example) to get a quality sports bra. At discount stores like TJ Maxx and Marshalls, you can find some for as low as $15!

And when it comes to fitness, don’t skimp on your sneakers. Choose a shoe that’ll be compatible with the type of activities you’ll be doing most. This isn’t only for comfort – the right footwear will also help prevent injuries and reduce stress to your back and joints.

So remember, if you know what to look for, you can still find the right gym wear without the brand-name prices! Shop smart, and you’ll be getting fit without your budget feeling the burn.

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Budweiser and Lyft to Offer Free Rides on Halloween

October 27, 2016

by Freeb’ham Editors

giveadamnBeer producer Anheuser-Busch‘s Budweiser brand and rider-share company Lyft are expanding offering free rides this Halloween.  The two companies are stepping up their efforts to reduce drunk driving by offering free rides home to people who may have had too much to drink after a night out partying by offering an alternative way home for them.

The #GiveADamn Campaign is an effort to reduce the more than 10,000 drunk driving accidents annually.  Currently, less than 2% of drivers use a ride share company as a driving alternative after drinking.

Adults over age 21 in Washington, D.C., New York, Colorado, Illinois and Florida are eligible for the program.  Users in these areas can visit Lyft’s homepage at 2 pm on Thursdays to download one of 6,000 ride credits distributed by the program good for a ride valued up to $10 for peak party hours between 10 pm – 2 am.  Starting today, the program is also expanding by 1,000 rides each weekend in Washington, D.C. beginning on Thursday night, in addition to the program’s current Friday and Saturday Nights. In addition, the #GiveADamn program has been extended to work on Halloween night, Monday, Oct. 31st, as well.  Current and new Lyft users are eligible for the ride credits.

“We’re thrilled at the response to the #GiveADamn campaign so far, and it’s great to be able to expand to a key market like DC just in time for Halloween,” said Katja Zastrow, vice president, Corporate Social Responsibility & Better World at Anheuser-Busch.  “We hope that the new ad sparks more conversations about the issue of drunk driving and reminds people that there are plenty of other options to help them get home safely.”

If you’re in an area not serviced by Lyft, please don’t drive yourself after you’ve been drinking.  Call an Uber, taxi or a friend for a ride home.  Act responsibly.  The life you save by not driving may be your own.

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Stanford will pay you to attend its business school — but only if you agree to work in the Midwest

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A new fellowship at the Stanford Graduate School of Business, one of the top ranked business schools, covers tuition and fees for MBA students. But the program comes with a catch: Students must be willing to take a job in the Midwest.

Students often select Stanford because they know they’ll get a great education and make contacts in Silicon Valley, where many of them presumably want to work after graduation. But the school has plans to funnel students to more “underserved regions,” where the economy could benefit from an infusion of talent.

“When we look at our country, and we think about different places where there’s still a lot of room for growth and development, the Midwest was a big part of that,” Simone Hill, an assistant director for MBA admissions at Stanford, told Bloomberg.

 

In its inaugural year, the Stanford USA MBA Fellowship will pay three students approximately $160,000 over two years to attend the university. Within two years of graduating, recipients are required to find work in the Midwest where they will “contribute to the region’s economic development” for at least two years, according to the program website.

To qualify, applicants must demonstrate financial need and have strong ties to the Midwest, which may include current or prior residency or graduation from a high school in the region.

Stanford Graduate School of BusinessStanford Alumni/Facebook; Jereme Rauckman/Flickr; Melia Robinson/Business Insider

An online summary of costs associated with attending Stanford Graduate School of Business puts tuition and fees over $111,000 per academic year for individuals living off campus. So the fellowship’s financial award might not cut it for low-income students.

The Midwest — which includes Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin, according to the fellowship’s rules of eligibility — might not seem like the hotbed of innovation that Silicon Valley is. But living in the “Silicon Prairie” has plenty of benefits, from competitive salaries to low cost of living.

The tech boom echoes across the country. Michigan and Illinois were among the five states that added the greatest percentage of tech jobs in the first six months of the year, according to an analysis of US Bureau of Labor Statistics by research firm Dice.

The Stanford program aims to find “people who are interested in bringing everything that they learned back to their region to develop it,” Hill tells Bloomberg.

After this year, Stanford hopes to expand the fellowship by accepting up to eight students and adding other regions. It’s considering the Southwest for the 2017 – 2018 school year.

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Four Sephora Hacks For Fun—And How to Get Free Products

Make the most of the beauty mecca’s promo event this weekend

Shoppers attend the opening of Sydney's first Sephora store at Westfield Pitt Street Mall on December 5, 2014 in Sydney, Australia. This is the first Sephora store to open in Australia.

Until 11:59 PDT Saturday night, Sephora is having a Beauty Insider Appreciation Event where you can earn up to four times as many points as usual on all purchases. Photo: Mark Metcalfe/Getty Images

One of the ways I try a lot of products without spending a ton of money is by sampling the hell out of anything that looks interesting. I have no qualms about asking for samples in-store. Sephora in particular has made it easy to try before you buy, both by encouraging in-store play with products and by giving generous amounts of samples with purchases. You can also use your Sephora points to buy select deluxe samples and full-size products at any time. And until 11:59 PDT Saturday night, Sephora is having a Beauty Insider Appreciation Event where you can earn up to four times as many points as usual on all purchases. So here’s what to buy while it’s going to pay off in extra points—and here’s how to maximize your sample haul now and with every purchase.

One of the ways I get more samples is through Sephora’s website. I almost never buy in-store at Sephora, and neither do many of their employees. Several of them have told me, “We all buy online,” because the bonus incentives to do so are bigger. Here’s how you can get the most out of those Sephora online purchases:

  1. Join the Sephora Beauty Insider program if you haven’t already. Those points add up, and you get free products on your birthday.
  2. With every online order of $25 or more, Sephora gives you three free samples. Plus they have codes for bonus products with every $25+ purchase. BOOKMARK THIS PAGE.
  3. Split your orders into separate ones that are as close to $25 each as possible, to maximize your samples and bonuses, as you get three free samples and one deluxe sample (with promo code) with every purchase.
  4. Buy skincare from the Travel Size section of Sephora’s site. You can get very modestly priced products from premium lines in smaller volumes. So instead of paying $63 for a giant cleanser you might not like, you can pay $14 and use it for a month to see how it suits you.

If you want to take advantage of the Sephora Beauty Insider event, here are 10 skincare products worth investing in during this promotion:

  1. Algenist Genius Ultimate Anti-Aging Melting Cleanser—one of the silkiest, most fragrant cleansers on the market
  2. Dennis Gross Alpha Beta Daily Face Peel—the gold standard for daily chemical exfoliation
  3. Eve Lom Morning Time Cleanser—a luxurious balm cleanser that pulls double-duty as a soothing balm for irritated skin
  4. Kate Somerville Goat Milk Moisturizing Cream—a superb day moisturizer for dry or combination skin
  5. May Coop Raw Sauce—one of the most pleasant essences Asian skincare has to offer
  6. Peter Thomas Roth Retinol Fusion PM Night Serum—use retinol or your face will fall off; start here
  7. REN Glycolic Renewal Radiance Mask—a pampering yet effective exfoliating mask
  8. Sunday Riley Good Genes—you will feel this lactic acid serum start working as soon as you apply it
  9. Tarte BB Tinted Treatment 12-Hour Primer Broad Spectrum SPF 30 Sunscreen—light SPF with pretty decent coverage and a smooth look for even the most humid days
  10. Tata Harper Refreshing Cleanser—she makes some of the best cleansers on the market, but they’re not cheap, so now’s the time to buy

Jackie Danicki created one of the first and most popular beauty blogs in 2004, and has consulted some of the world’s most iconic brands on digital content strategy and innovation. Jackie blogs at http://burnedoutbeauty.com, and you can find her onTwitterInstagram, and Snapchat as @burnedoutbeauty.

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130+ Restaurants That Have Free Birthday Offers and Specials

birthday-freebiesEveryone has a birthday every year, and who doesn’t like getting a gift for your birthday?

There are lot’s of national restaurant chains, stores and websites that you can get something for free on your birthday.  By signing up for their e-clubs or newsletters you can get free ice cream, appetizers, drinks and even a free meal at many restaurants nation wide.  So do you want a freebie on your special day? Take a look at Freebham’s list of restaurants with birthday offerings by clicking here.

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How To Save For A Real Estate Down Payment: 20 Financial Experts Share Their Tips

SEP 6, 2016 @ 11:59 AM The Little Black Book of Billionaire Secrets

Brandon Turner ,   CONTRIBUTOR

I show how anyone can succeed at residential real estate investing.  

Opinions expressed by Forbes Contributors are their own.

 

It was backbreaking work for a five-year-old — but it was totally worth it.

I spent six grueling hours cutting down brush in my backyard with my dad, clearing an area that would soon become a place for Mom to send us when my siblings and I were being too loud in the house. When we finished clearing the brush, he handed me a crisp five-dollar bill. It was so much money I tried giving it back to my dad, assuming that my family wouldn’t be able to eat for a few days because of his immense generosity toward me.

Of course, he made me keep the money and used it to teach me about the power of saving money. So I put that money in a bank and continued to save – until I had $20.

Then I blew it candy, comics, or some other pleasure that I’m sure felt worth it at the time.

I realized then – I was terrible at saving money!

Like my five-year-old self, most Americans have a hard time saving money. An increase in income usually results in an increase in spending. In fact, according to the U.S. Federal Reserve, 47% of Americans do not have enough savings to cover a $400 emergency.

Savings, however, are incredibly important, especially if you are looking to someday buy a house or get an investment property loanRealtyTrac recently reported that the average American down payment was around 15% in 2015. With the median sales price for a house hovering around $250,000, house buyers may need to save $40,000 or more to buy a house. Even low down mortgages like an FHA loan can cost you 3.5% plus closing costs, requiring $10,000 or more.

So, how can people save up the massive down payments needed to purchase a property? Rather than getting just my ideas and opinions, I asked this question to a variety of financial writers and bloggers to share their top tips, which you’ll find below.

1. Prioritize It

“I think people need to get laser focused and remember their value system with every purchase. Every time they make a purchase (at Target), they need to realize that the foolish purchase is making their goals get pushed further and further away. They need to make their spending a reflection of their value system and put that down payment at the very top of their value list.”

Lauren Greutman | Author of the book The Recovering Spender, Financial Counselor, and Founder of LaurenGreutman.com

 

2. Automate It

“Create a separate savings account and name it ‘down payment.’ Automate savings deposits from your paycheck or checking account into the account each month. Start with a small amount and increase the amount over time once you get comfortable with the process. Banks require a down payment for a reason; they want to know that you are financially responsible enough to live within your means. Prove it!”

Phillip Taylor, CPA | PTMoney.com, Founder of FinCon

 

3. Gamify It

“We had monthly challenges to raise money for our down payment. Keeping things friendly, relatively short, and competitive motivated us to build up our savings faster.One month was about recurring bills. We dug around and managed to slash our car insurance in half, get faster service with our internet (and shave some money!), and cut the cord while still catching our favorite shows.”

Elle Martinez | CoupleMoney.com

 

  1. Set Aside Unexpected Money

“Put any extra unexpected money into the down payment fund! I.e. Christmas money, birthday money, bonuses, tax returns. It will snowball before you know it.”

Tiffany Alexy | TiffanyAlexy.com, Real Estate Broker & Investor

 

5. Build a Side Business

“The best way to save money is to supplement your income with a small business or side hustle. Most of us work 40-50 hour weeks, which means that there’s plenty of time to make some extra money on the side. For example, you could sell on eBay or freelance. With the law of compounding interest, every little bit counts.”

Steve Chou | Bumblebee Linens and MyWifeQuitHerJob.com

 

6. Budget for It

“The best way to save for your down payment is to build it into your budget. Start by determining what your monthly house payment will be, then subtract your current mortgage or rent from that number (tip: don’t forget to add homeowner’s insurance and taxes to your expected mortgage payment!). For example, if you expect to spend $2,000 per month on your mortgage and your rent is $1,200, you will save $800 per month. Not only will this help you save for your down payment, but it will solidify your future mortgage payment in your budget. This will help you make sure you can afford your mortgage once you buy your home.”

Ryan Guina | CashMoneyLife.com

 

7. Increase Your Income

“When my husband and I were building up for our down payment, we did the following things:

  1. Looked for ways to increase income. In particular, I took on some overtime at my full-time job.
  2. Bumped up my rates for my freelance work. When I realized that I needed to get to $42k for our down payment, I started to increase the rates for my services since I couldn’t create more time for a ‘by the hour’ service.
  3. Asked for repayment of loans that I made. When a friend or family members knows that not repaying you is literally taking you out of house and home, there’s more urgency attached to repayment.”

Kara Stevens |  The Frugal Feminista

 

8. Live with a Roommate

“When I was saving for a down payment, I lived with roommates for a couple of years instead of getting a place of my own. I was just out of college so I didn’t mind the discomfort since it was what I was used to anyway. It wasn’t perfect, but allowed me to save $500 per month.”

Pauline Paquin | ReachFinancialIndependence.com

 

9. Maximize Earnings on Your Stuff

“Perhaps you have a spare room that sits empty. You could earn income by renting that room out, on your terms, through a service like Airbnb. Got items sitting around the house that you don’t use and will never use? Sell those items on a site like eBay or take them to the consignment shop. Do you have a vehicle that is just sitting around in your driveway doing nothing? You can rent that vehicle out using a peer-to-peer car sharing service like GetAround.”

Anna Sergunina, CFP | Money-Library.com, AdviceOnly.Net

 

10. Rent Cheaply to Save Up

“Rent for cheap and save up! My wife couldn’t find a job when the real estate market tanked. We had just moved to Texas and thought we would be staying with my in-laws for 2-3 weeks. She never found a job, and we ended up paying $430/month for one year for a bedroom at the in-laws’ house. We saved up 50% for the down payment on a new house.”

Scott Alan Turner | Financial Rock Star PodcastScottAlantTurner.com

 

 

  1. Think Long-Term

“The trick is giving up short-term desires (eating out, expensive vacations) for the long-term goal of a home. So hang a picture of your dream house where you’ll see it everyday. Then put aside money in a separate account immediately on payday.”

Rob Berger | DoughRoller.net

 

  1. Out of Sight, Out of Mind

“Open an account outside of your normal day-to-day financial institution (free of fees, of course) that you bank with. Reducing visibility and minimizing accessibility to the funds is critical to staying focused on the savings goal. Why do you think traditional piggy banks had to be broken in order to access the money? If they were ‘see through’ and you had easy access to the coins inside, you probably wouldn’t save any money. Same concept here. Out of sight, out of mind!”

Taylor Schulte, CFP | DefineFinancial.com

 

  1. Pay Off Debt to Maximize Savings

“Actually, I’m a fan of the 100% down plan. When we finally got out from $500,000 in debt in 2009, we were really able to save. Since we were making HUGE payments at the end of our debt of $3,000/month (almost all of our money), we found that we could really start saving. You got it, in just 3 years we had enough to buy another house. Huh? Six years a $200k house, double huh? Think of the possibilities.”

Christine Odle | ChristineOdle.com

 

  1. Be Realistic

“It’s also important to be realistic about what kind of home you can afford. Watching HGTV’s House Hunters might not be in your best interest if it just causes house envy and causes you to be dissatisfied with homes in your budget.”

Mike Delgado | Experian

 

  1. Live Frugally

“Live as frugally as possible. Cut out items that provide for the “latte factor.” You’ll be surprised how much money you can save just by staying in more and eating out less. Buy used whenever you can until you save enough money for your down payment goal. Go over your income and expenses, cut as much as you can. Set aside a set amount to save every month to contribute to your down payment. Though it make take some sacrifice and a bit of time to save up, it’ll be worth it in the end.”

Rachel Hernandez | AdventuresInMobileHomes.com

 

  1. Use Your Work Raises and Bonuses

“My favorite way to increase how much you’re saving is to do it each time you get a raise (or bonus). Figure out how much the raise increases your paycheck, then set up an automatic contribution to savings in that amount, or half that amount. Do it with the first higher check so you never get used to that higher amount (even a little taste can make it harder to do this later).”

Arielle O’Shea  | NerdWallet.com

 

  1. Use Partners for Investment Properties

“For investment properties, I like to use partners and private lenders for my down payments. I find a good deal, they put up the cash, and we share the profits. Sometimes it’s a 50:50 split, and other times, I pay them interest. It’s worked well for 14 years!”

Chad Carson | CoachCarson.com

 

  1. Stay Focused

“My tip is to be focused. Saving up enough for a down payment is going to take some time. Because of this, you have to stay focused throughout. Always keep in your mind your goal. When you are out shopping, question a purchase as to whether or not you really need it.”

Jon Dulin | MoneySmartGuides.com

 

  1. Look Beyond the Down Payment

“The most expensive part of buying a home is not necessarily the down payment, but the interest rate you will pay over the life of the mortgage. Your interest rate is determined by your credit score, and that can mean the difference between affordability and a cash hemorrhage. It pays to check your credit score early to make sure all is accurate, and allow yourself time to improve in order to qualify for the best rates.”

Megan Brinsfield, CPA, CFP | FoolWealth.com

 

  1. Master Your Credit

“Finally, treat credit cards as an important tool in your journey to homeownership. It can take a while to figure out how to use it correctly (I’ve definitely stumbled), but building strong credit now helps you get lower interest rates, approval for higher credit limits, and better credit card rewards and insurance rates later. Start learning how to properly manage your credit early on.”

Lisa Rowan | ThePennyHoarder.com

When I was five, it was tough to save a lot of money. And today, for a lot of people, it’s not much easier.

However, if your goal is to purchase a home or investment property, it’s time to get serious about your saving up of a down payment. Use the 20 tips above to start increasing your savings today.

Finally, if you have other tips for people trying to save up a down payment, be sure to leave a comment on this post and let the world know.

Brandon Turner is an active real estate investor, author of The Book on Rental Property Investing, and the co-host of the Bigger Pockets Real Estate Podcast.

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Never Forget.

never-forget

We remember and honor those lost on Sept. 11, 2001,

and all those since who have defended our liberty.

 

To show your respects, please pass this on to a friend.

 

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