Kali Roberge headshotCourtesy Kali Roberge


My parents taught me great savings skills growing up, and I didn’t take on any debt until I bought my first home at age 30.
But I realized I didn’t learn about investing from them, because they never really had to invest. 
So I set out to learn, blogging about my experience along the way, and settled on a passive investment strategy and a Roth IRA to start.
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I was lucky to grow up with parents who constantly talked about the importance of saving money. Their advice helped me get started on the right financial foot as an adult.

They instilled in me the belief that I should never spend money I didn’t have, something I took so seriously that I managed to live debt-free until the age of 30 (when I took out a mortgage to buy a house).See the rest of the story at Business Insider

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The average pet insurance policy premium in 2019 for dogs was $48.78 per month for dogs, and $29.16 per month for cats. 
Accident-only policies are cheaper than accident and illness policies, according to data from the North American Pet Health Insurance Association.
Your pet’s breed can also influence your price for coverage, with pricing varying widely by a dog’s breed. 
Get a pet insurance quote from PetPlan »

Most pet owners know just how expensive a trip to the vet can be, and how much a major health scare with your pet can cost. If you’re considering getting pet insurance, your monthly cost of pet insurance can vary widely. 

There are a few factors that can change how much your pet insurance will cost, including the type of pet you have. In general, insurance for dogs is more expensive than insurance for cats. And, for dog owners, the cost can vary widely by breed. See the rest of the story at Business Insider

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woman using cell phone at homeWestend61/Getty Images


My savings strategy is simple: I transfer money out of my checking account into an online savings account with a higher rate of return — and then pretend it doesn’t exist.
I learned this strategy when I worked a full-time job and taxes, insurance, and retirement savings would come out of my paycheck before I even saw the money.
Now, I’ve been able to fund trips abroad, cover expensive car repairs, and build a robust emergency fund by pretending I don’t have any money.
Read more personal finance coverage.

To save money, I act like I don’t have any. 

That may sound odd. Let me explain. First, I actually like putting away money. As a child, I had my own little bank in the shape of a mailbox. I remember it being a gift from my grandfather, who’d worked for the United States Postal Service. I’d slide coins into the shiny mailbox and grew up learning that it was important to have my own money so I could take care of myself.See the rest of the story at Business Insider

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Last year I was $30,000 in debt, but a 2-part strategy helped me pay it off and put $28,000 in my savings accountI worked as a vet tech for years, and I don’t think pet insurance is worth the cost. Instead, I have a simple strategy for protecting my 4 pets.6 signs you’re using the wrong savings account

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4 financial experts told me how to cut my spending while my income is down so I don’t blow through my savings
4 financial experts told me how to cut my spending while my income is down so I don't blow through my savings

4 financial experts told me how to cut my spending while my income is down so I don’t blow through my savings

I’ve been a full-time freelancer for the past five years and haven’t had much issue keeping my income steady.

But thanks to the coronavirus, many of my clients have cut back on assignments.

My emergency savings fund is in good shape, but I don’t want to drain it before the pandemic is over.

Since I’m still making some money, I asked four financial experts how to cut my spending so I can live on the money I’m bringing in and not have to blow through my savings.

I’ve been working overtime to build up my savings account since 2015, after I was laid off from my job and realized my finances were a big mess. When I switched from a full-time job to being a full-time freelancer and business owner, I made it a point to add to my savings account and emergency savings fund every single month.

But due to the shakeup caused by the coronavirus, my projects have thinned out and my clients have taken a few steps back and put work on hold. The money isn’t coming in as steadily as it was before the virus, which made me panic about dipping into and depleting my savings account.

Original Source: 4 financial experts told me how to cut my spending while my income is down so I don’t blow through my savings

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