3-Day Itinerary for Helen, Georgia

Whether it's a stop on your big, Georgia road trip or the sole destination on your weekend getaway, this 3-day itinerary for Helen, Georgia is guaranteed to show you a great time in this small, Bavarian-style town nestled in the Blue Ridge mountains.Road trips are fast becoming the way to quench our travel thirst with so much international travel cut off and many people's uncertainty with hopping on a plane yet.asdfsdfd Day 1: Helen, Georgia…

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Tripcoin Review: The Travel Budget App You Need

The Roaming Economist is not a legal or financial professional and any advice or opinions expressed should be taken as general information. Please read my DISCLOSURE for more information.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. What is Tripcoin? Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Extensive Trip Features List of All Trips Taken…

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The Beginner’s Guide To Understanding Your Credit Score

The Roaming Economist is not a legal or financial professional and any advice or opinions expressed should be taken as general information. Please read my DISCLOSURE for more information. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. Add Your Heading Text Here Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.…

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9 Essential Tips for Living on a Variable Income

Living on a variable income is no easy task. No matter your profession, if it's commission-based in some way, you've probably struggled with the challenges of having a variable income. I know I have. When I first started budgeting, it took me a while to figure out how my ever-changing paychecks fit into the equation. It's not easy to plan when you can't consistently count on earning the same amount each month. How do you know what to live on when it's always different?

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8 Easy Ways to Furnish a Home When You’re Broke

Have you ever felt like that person in some coming-of-age movie, sitting on the floor alone in their new apartment? You're there in this scary, new city accompanied by one cardboard box. Did you feel like that when you started out on your own? Because that's exactly how I felt. In this post, I've compiled my eight best tips for how to furnish your living space when you're broke.

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How to Stop Living Paycheck to Paycheck

Do you find yourself in a cycle of eagerly waiting for your next paycheck, counting the days until your bank account balance will jump up from almost nothing? All the while, crossing your fingers that an unexpected bill doesn't make you overdraft? If you're living the paycheck to paycheck lifestyle of financial stress, you're not alone. Seventy-eight percent of American workers live paycheck to paycheck and can't handle a financial hardship without taking on debt.

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Financial Progress Report: May 2020

WE BOUGHT A FREAKING HOUSE!!! That's right; we finally did it. Our first rent house, yes, the one we've been fixing up for over a year, is finally in our name. Looong story. You can scroll down to read more details. Short synopsis: In-laws want to get rid of the house. We wanted it. No money. "We should have money soon. We'll start fixing it up while we save to buy it." Life happened — still, no money to buy it from them. For the record, I never recommend getting property this way.

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19 Habits Guaranteed to Cut Your Food Budget in Half

$7,729. That's the average annual amount spent on food per household in the U.S. That's around $650/month spent buying groceries, ordering take-out, or going to a restaurant. A $650 average monthly spending may not sound bad to you, considering it includes all food purchased. However, a "household" doesn't just include married couples or families with multiple kids. That's a lot of money to part with each month, especially if you're a single person literally eating through $650/month.

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Financial Progress Report: April 2020

0.5% decrease? I'll take that considering I was furloughed the entirety of April, and my husband's hours were severely reduced. This month our income came from several sources: • stimulus check • my four unemployment checks • husband's one unemployment check • my job • husband's job • state tax return • refund for my canceled dental conference • refund for the canceled wine festival We each received a paycheck at the beginning of April for the part-time work we did at the end of March.

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How To Save Yourself From An Expensive Wedding

Many of us have to foot the bill for our wedding for one reason or another. So how do you deal with this when the average cost of a wedding in the U.S. is $33,900? Although we all want a wedding-to-remember, don't go into debt or take out a loan to pay for your wedding. Instead, use these money-saving tips to make your special day marvelous without making it expensive!

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Financial Progress Report: March 2020

It surely has been a crazy month for so many people. I hope you're all staying inside and safe. Coronavirus started profoundly affecting where I live in mid-March. Restaurants closed, except for take-out. People were bulk-buying all the food they could from the grocery store, and there was no toilet paper anywhere. Although staying at home as much as possible did help us spend less, business closures started impacting our income.

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Financial Moves to Make During COVID-19

With businesses closing, many people are finding themselves laid off or experiencing a significant decrease in hours and income. It doesn’t help that we don’t know just how long this is going to last. So much is out of your control right now. But what are the things you can do right now to ensure your finances last as long as possible during this tough time? In this post, I'm going to tell you the financial moves to make during the COVID-19 crisis to help you weather this storm.

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Budget Basics: How To Create The Best Budget For You

Personal finance is personal. Everyone’s situation is different, and, because of that, so are our budgets. You need a method to help you craft a budget that’s perfect for you. I’m going to tell you the basic method for thinking through your finances so you can create the best budget for you and your situation. It’ll show you how to be intentional, creative, and attentive to your budget, so it always fits you.

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Financial Progress Report: February 2020

Life happened this month, and our Necessities section took a hit. My car broke down. We had to replace the starter, and repair several oil leaks in the engine. My annual optometrist visit added a bit to this category as well. Since my contacts are so expensive, it's cheaper for me to pay out-of-pocket than to have insurance. The last more considerable expense that killed our Necessities budget was a Continuing Education conference I booked for May.

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10 Useful Apps To Save You Money With Little Effort

I'm always looking for new ways I can save money with little effort or time commitment. Throughout the years, I've found some helpful apps that do just that! I put together this post to tell you about the ten apps I personally use regularly to save money on my everyday purchases. I haven't included any of my travel-related savings apps in this post. This list is to help you save money in your day to day life.

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4 Amazing Places For Your Georgia Road Trip Itinerary

Are you in the process of planning your next road trip, but haven't nailed down your destination? Maybe you've already chosen to travel to Georgia, but you just don't know which places you want to visit. There's a lot to choose from; Georgia has so many towns worth exploring. Do you visit the mountains, the coast, maybe hit the city scene?Well, I'm going to tell you about four must-see places in Georgia that'll help fuel your…

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4 Key Benefits Of Fun Money In Your Budget

Do you catch yourself buying little things here and there after a long day? Or maybe you find yourself never buying anything because you aren't sure what you have left that you can spend for the month. That is where "fun money" can be a game-changer for you. Having fun money in your budget has many benefits. I'm going to tell you why you need to add a designated amount of fun money in your budget right now!

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Financial Progress Report: January 2020

After a year at my current job, the practice still wasn't growing enough to keep me very busy. My schedule has had the same slow pace with no noticeable increase. After seeing things weren't likely to change soon, my employer and I made the mutual decision to part ways. I recently began a new position at a practice across town that was already busier than their doctors could handle. This move immediately yielded some fantastic results for us!

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7 Surefire Rules For Traveling Like A Local To Keep Your Budget Down

"I want to travel more, but it's just so expensive!" Sound familiar?It amazes me how many people seem to think travel is out of their reach. They have this mental roadblock that travel has to be expensive. For some reason, when people hear "vacation," they usually think of the costly hotels or fancy resorts.Travel can be anything you want it to be, but it doesn't have to kill your wallet.One of the best ways to…

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Your Annual Financial Checkup: Nursing Your Budget Back to Health

After looking at your finances from last year, you likely have several areas in your budget that need an overhaul. However, a financial checkup isn't only about looking back on your previous year to see how you did. For an annual checkup to work, you need to take your victories and defeats from last year and learn from them. Figure out how you can apply that to your new year's budget to make it better and make yourself better at sticking to your financial plan.

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Your Annual Financial Checkup: Diagnosing Your Budget Illnesses

Do you feel like you've been working hard to stick to your budget all year, but can't see much progress in your goals? A month-to-month review of your budget is useful, but come December, you aren't going to remember the details from six months prior. Well, take a broader look at your finances to see how the past year went for you. Just like you may go to the doctor for an annual checkup, give your finances a comprehensive wellness exam of their own.

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Financial Progress Report: December 2019

Despite the struggle, I wouldn't change a thing. I’ve been much happier this year after moving back home to be closer to family. The increased free time from working less has allowed me to spend time with the people I love and given me a chance to pursue hobbies (like this blog) I otherwise wouldn't have had. New changes will be coming up for us on the horizon to help increase our income to what it needs to be. Stay tuned...

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5 Questions To Ask Yourself Before Refinancing Student Loans

If you graduated within the last several years with federal student loan debt, you've probably thought about refinancing your student loans. The idea of lowering your interest rate sounds fantastic, but then there are all the benefits of a federal student loan that you aren't sure you're ready to give up! I have narrowed it down to five questions you need to answer to know if refinancing your federal student loans is the best course of action.

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Financial Progress Report: November 2019

After two rough months of decline, our income finally increased some during November. A 55% increase sounds enormous, but that was because I made so little in October. My husband was able to make his income goal. However, I wasn't for the third month in a row. We did make enough to cover our base bills but decided to live like we did in October (our worst month this year) and revert to a bare-bones budget.

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Contiki Tour Review: Italian Espresso Venice Itinerary

This is the third and final post in the series which details our travels in and around Venice, Italy. Saying that Italy did not disappoint is an understatement. Having this country as my number one bucket list destination for over a decade, of course, made me wonder if I had built it up so much in my mind that there's no way it could live up to my expectations. It turns out, Italy and Contiki exceeded them.

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Contiki Tour Review: Italian Espresso Florence Itinerary

This series will not only tell you what you can expect from Contiki as a company but also give details about our adventures during our free time on the tour. I want to share all our experiences to give you an impression of the trip as a whole and spark ideas for your next adventure. This second post in the series is all about our experiences and adventures in and around Florence…

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Contiki Tour Review: Italian Espresso Rome Itinerary

After reading many reviews and countless descriptions of individual tours and tour companies, we decided to book Contiki's Italian Espresso Tour. This eight-day tour around Italy takes you to the major cities of Rome, Florence, and Venice with stops in smaller towns of San Gimignano, Pisa, Verona, and Burano along the way. In this post series, I'll detail our entire experience on our Contiki Italian Espresso Tour. Due to the length of the tour, I'm…

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Financial Progress Report: October 2019

A monthly report forces me to look into my spending for the month, see where I went wrong, and make a plan to fix it. Rather than merely noting I fell short and moving on, I have to take time going through my expenses, kind of like a deliberate "think about what you've done" moment. I look at all our income, our spending in each budget category, how we're doing on savings, and how much debt…

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19 Epic Tips To Save Money On a Cruise

Have you ever almost booked a cruise, and then changed your mind after thinking of all the other costs besides the cruise fare? I know I have. I can't tell you how many times I've daydreamed about booking a particular cruise only to reconsider once I thought of the other costs involved. If the cruise fare were all-inclusive, I'd be a frequent sailor by now!Unfortunately, it's not, and the other little costs along the way can…

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9 Affordable Ideas For A Date Night In

Needed a date night with your significant other lately, but don't want to spend a lot? Maybe you don't even want to leave the comfort of your sweatpants? I get it. I've been there.In fact, I'm there now. My husband and I have been on a strict budget since I switched jobs this past January. We are keeping a close eye on every penny that comes and goes, but we still want to keep having…

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28 Essential Things For Your Next Road Trip
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28 Essential Things For Your Next Road Trip

How many times have you packed for a trip, crossed everything off your list, and still felt like you forgot something? I think it's one of those inevitable parts of life. I bet everyone feels like this every time they pack for a trip no matter how many vacations they've taken. I know I do.I find this especially true for road trips. Most of us don't take a road trip on every vacation. We forget which…

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How The “Extra Paycheck” Can Be Your Secret Weapon

What if twice a year you opened your wallet and found someone had put several hundred dollars in there? I bet you just started picturing what you'd do with it. Well, if you get a paycheck every two weeks, that's essentially what happens to you twice a year. You get an "extra paycheck." This hidden money can be a tool towards achieving any number of financial goals. In this post, I'll outline for you what…

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Financial Progress Report: September 2019

I think you'll agree that a major part of successfully attaining your goals is tracking your progress. How many times have you thought you were sticking with your budget only to realize at the end of the month you weren't very diligent at all? If you're like me, this happens much too often. So how do we fix this problem? I need a more significant motivator than trying to make my spending align with my…

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Mealime App Review: Simple Recipes and Meal Planner
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Mealime App Review: Simple Recipes and Meal Planner

It's a relief knowing ahead of time what's going to be for dinner - no stress of throwing together a meal last-minute. That's where the beauty of meal planning for the week comes in. I like the idea of meal planning, of not having to think of something when I come home from work every night.However, I was finding it took me at least two hours or more at the beginning of my week to…

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Weekend Trip to Memphis: 9 Interesting Things to Do

Sometimes you find yourself just needing to getaway. The travel urge hits and you have to go somewhere. It's been too long since your last trip, and cabin fever is starting to set in. You don't want to wait until you leave on your next big vacation, but time and money are limited.That's exactly how I felt not too long ago when a long weekend at work was coming up. We didn't have a lot…

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9 Mind-Blowing U.S. Student Debt Statistics in 2019
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9 Mind-Blowing U.S. Student Debt Statistics in 2019

Does the harsh reality of student loans hit you around the same time each month? Feel like you're drowning? Well, you're not alone in that feeling. Being overwhelmed by student debt seems to be a right of passage for our generation, unfortunately. That's how I feel if I stop and think about it too long - overwhelmed. Every 14th when it's time for me to pay another chunk of that expensive education I got, I'm...

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