Fall Bucket List

Autumn is officially upon us and soon the hustle and bustle of the holiday season will be here. But in the meantime, what are some fun things you can do with your loved ones during the fall? We made a fall bucket list just fo you.

We’ve rounded up a fantastic fall bucket list of must-do fall activities that you will absolutely love. The best thing is…they won’t break the bank. Because no one has to spend a bunch of money to have fun, Check out these fall bucket list ideas here!

1. Go Camping

Winter is on the horizon and this is the last chance you’ll have for a while to enjoy time outdoors without shivering the whole time. Make the most of it and take one last camping trip of the year.

Leave the iPads and Netflix behind and spend some time in nature. Scientists are discovering an ever-increasing list of physical and mental health benefits of spending time outdoors. Feeling skeptical? Just ask anyone who has spent some well-needed time in nature.

Worried about spending too much money on the trip? There are lots of places where you can camp for free!

National and state parks tend to be pricey, but you can camp in national forests, grasslands, and the Bureau of Land Management lands for free. You just have to be willing to forego amenities like bathrooms and showers.

2. Camp in Your Backyard

If camping in the wilderness is a little too adventurous for you, keep it closer to home. Camping in the backyard is also free and can be an exciting adventure. It also comes with a big bonus — it is accompanied by electricity and running water.

Regardless of where you camp, be sure to build up a nice fire, swap ghost stories, and roast marshmallows. There’s something mesmerizing about watching the crackles and pops of the flames while enjoying that sticky, chocolatey goodness.

Couple that with spending time with your loved ones and this is an experience you won’t soon forget.

3. Road Trip!

Camping might not be your thing, but a road trip might catch your fancy. Fall is a wonderful time for a family drive, particularly out in the country where the colorful fall leaves are on full display.

You can make it a day trip that will only cost you some gas, or book an inexpensive Airbnb in a nearby town. This is a particularly great idea if you can find a quaint little town nearby.

Go on a walking tour of the area, enjoying the fresh air and small-town atmosphere. Walk through the historic section to check out the old houses and wonder at days gone by. Stop in at the local cafe for a slice of homemade apple or blackberry pie.

You might be surprised at how relaxing it can be to get out of the hustle and bustle of the city for a little while.

4. Go Hiking

Autumn is the perfect time to go hiking. During summer, hiking gets really hot and sweaty. Fall weather is cool enough to make your trek pleasant, but not so cold that you’re fighting numb toes and fingers.

Plus, when you get to the top, the colorful vista before you will make the hike more than worth it.

5. Participate in a 5K Walk/Run

Another great way to get exercise is to participate in a 5K walk/run. It’s almost guaranteed there will be one going on somewhere nearby. Organizers like to take advantage of the pleasant fall weather for events like these.

The entrance fee for community race events is generally pretty low. Plus, many of these races are put on to raise money for a local non-profit. In that case, your entry fee will be tax-deductible.

Furthermore, you can help with the fundraising by encouraging others to participate in the race with you, or sponsor your ticket if they’d prefer.

Helping others is always rewarding and you get a fun day out of the deal as well!

6. Fall Festival

There is more than one way to party in the fall. From Oktoberfest to harvest parties to Halloween parties, there is something for everyone.

The entrance fees are usually pretty cheap, and some are even free to get in. You’ll have to pay for refreshments, games, and candied apples, or you can just stroll around and enjoy the atmosphere.

For bigger savings, consider volunteering at the event or joining the organizing committee. Usually you’ll get a few tickets as a thank you, plus the satisfaction of being a part of something that brings joy to others.

7. Make Your Own Halloween Costume

September is almost gone already and Halloween will be upon us before we know it! Get prepared (and save some money) by making your own Halloween costumes this year.

Storebought costumes can get pricey, especially if you want something that looks halfway decent. But your local thrift store is your friend when it comes to making your own costume. Get a little creative and you can craft something exquisite out of a few cheap thrift store finds.

Plus, you’ll have a whole lot of fun with your family digging through the bins and browsing the racks, looking for the perfect materials. It’s almost like you’re on a search for buried treasure!

Wondering what kinds of costumes you could possibly find at a thrift store? Here’s a big list of ideas to get you started!

8. Scary Movie Marathon

Planning to stay in on Halloween? Or maybe you’re getting in the spirit before the big night comes. Regardless, having a scary movie marathon with your family can be frightful fun!

Get some fall delights like apple cider and pumpkin donuts to enjoy while watching witchy classics like Hocus Pocus or Ghostbusters.

9. Pumpkin Carving

Pumpkin carving is perhaps the quintessential fall activity. Start the adventure by taking the whole family to the supermarket to pick out their favorite pumpkin. You can pick up cheap carving kits almost anywhere this time of year. If you don’t want to buy anything, kitchen knives, pocket knives, and any other sharp tools work for carving as well.

If you have small children, you might paint the pumpkins instead of carving them. Regardless, it’s an inexpensive activity with a bonus — the finished products serve as decoration for Halloween!

Pro tip: don’t throw away the seeds, save them to make roasted pumpkin seeds. They make a delicious snack to go with your movie marathon.

10. Make a Gratitude List

Thanksgiving is just around the corner, it doesn’t hurt to sit down and think about the things you’re thankful for. This activity doesn’t cost a dime but the riches you receive from it are priceless.

Make it a fun time with your family. Take lunch to the park for one last picnic and make your lists there. Talk about the good things that have happened this year and the hopes you have for the next one.

No matter how much life knocks you down, there is always a reason to smile. Sometimes you just have to actively look for it.

We hoped you enjoyed this fall bucket list!

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Ways to Save Money on Fall Clothes

Buying new clothes, though fun, gets expensive. What if we told you there was a way to save money on fall clothes?

There is! There are five ways to save money on fall clothes, in fact. And we’re going to share them with you here.

1. Clothing Swaps

Clothing swaps are a great place to get free (or very inexpensive) gently used clothing. Attendees clean out their closets and bring clothing they don’t want anymore to swap with other attendees.

Some communities host large clothing swaps where dozens or hundreds of people come together to make swaps. Check your local Facebook group or other places that post community information to find out if anyone is hosting one anytime soon.

Even if your community isn’t hosting one, you can always organize one with your friends.

2. Thrift Stores

Local thrift stores or consignment shops are both fantastic places to find gently-used clothing. Sometimes you can even snag brand-new clothing with the tags still on it!

If you visit a thrift store, be prepared to spend some time digging. Many thrift stores are only marginally organized and some just dump the clothes in a pile or a bin and let customers dig through.

The reward can be worth the effort, though. Regardless of what you find, it will generally cost far less than what you would pay anywhere else.

An extra bonus about both these ideas is that you are helping to save the planet. Over 11 million tons of textile waste goes to the landfill each year. The bulk of that waste is from discarded clothing — much of which is still perfectly usable.

3. Sales, Discounts, and Coupons

Buying or swapping used clothing isn’t the only way to refresh your closet cheaply. You can also get brand-new clothing at certain stores for about the same price or less than you might pay at the thrift store.

What is this sorcery!?

Don’t worry, there’s no magic involved. Just a few coupons, gift cards, and a bit of savvy savings knowledge.

Start with a little online research. Sometimes you can buy gift cards to clothing stores for less than the face value of the card. The savings might not be tremendous (maybe $5 off a $200 gift card) but it adds up.

Next, look for coupons in your local newspaper, online, or in magazines. Finally, plan your shopping trip to coincide with a big sale day.

You can also check out the clearance racks at your favorite low-priced clothing stores. We’re talking places like Target, Kohls, H&M, Forever 21, and the like. Plus, if you’ve got some coupons or discounted gift cards to add on top, you can save even more.

4. Shop Online

Not everyone enjoys shopping online as much as they do going to the store. After all, you can’t try items on or touch the fabric to see what it feels like through your computer screen. However, it can be a way to score some great deals on clothing.

Plus, services like Amazon Prime allow you to try before you buy. Shipping is free and you only pay for the items you decide to keep.

Another great option is eBay, just be sure you’re buying brands you recognize. Knock-off clothing shows up frequently online and what you get is not exactly what you expected from the cute picture.

If you get something that wasn’t what you expected, you can always list the item yourself and resell it. You can also use this technique with the clothes you buy at the thrift store. If you play your cards right, you might buy a shirt for $5 at the thrift store, use it for a few months, then sell it for $12 on eBay!

If that’s not savvy shopping, we don’t know what is!

5. Plan Your Purchases

Another way to save money on clothing is to carefully think about the pieces that you buy. Instead of buying whatever random clothing strikes your fancy, plan your outfits and purchase versatile clothing that can play a part in several outfits.

Going to the store with a plan in place can also help you limit impulse buys for clothes that you don’t really need.

Saving Money on Clothing

Sometimes it feels impossible to keep up with all the latest trends. Shopping for new clothes is always so much fun, but paying for them isn’t.

However, by carefully choosing where you buy your clothes, shopping the sales, and being willing to buy second-hand clothing, you can get some killer deals on new and new-to-you clothing!

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Money Saving Tips for Back To School Shopping

Wow! Where did the summer go? It seems like school just got out a few weeks ago and now it’s already time to think about back-to-school shopping!

Don’t let that list and the upcoming hit to your budget get you down. There are plenty of ways to get cheap school supplies. Let’s look at our top tips for saving money on school supplies starting with the free ones!

1. Browse at Home First

How many promo pens and pencils do you have stuffed in a drawer someplace? Quite a few? There are the pens your kids can take to school! Plus, when they inevitably lose those pens, it won’t be as frustrating because they were free.

Some supplies don’t need to be rebought each year. Rummage around to find last year’s items like calculators, rulers, pencil bags or boxes, and backpacks. Dust them off and they’ll be as good as new to accompany your child to school!

2. Swapping Spree

Don’t stop by just inventorying your house. Get together with friends, neighbors, and other kids in your child’s class and have them do the same. It’s likely that you’ll have extras of something they are short on.

Families can swap their excess items to reduce waste and reduce their back-to-school shopping bills.

3. Make a List and Set a Budget

We’ve given you a couple of ideas of how to get stuff for free. Now it’s time to make a list of what else is necessary.

There will be lots of things your kids will want that aren’t absolutely necessary. Prioritize necessary items first and then add some of the wants that your kids have.

Take the opportunity to sit down with your kids and chat about the value of money. Show them the budget you have set to spend on school supplies and explain the limitations of what you can buy.

Inevitably, they will want more than just the basics but stick to your set budget. If they want anything extra, they can buy it themselves, or you both can get creative about reducing the amount you spend on the essentials. Keep reading for a few ways to do that.

4. Shop the Sales

Stores will offer ridiculous back-to-school shopping deals on certain items to get you in the store. For example, 10-cent crayons, 50-cent binders, etc. The point is to get you in the door because most people will get lazy and buy everything at one place.

Don’t do that if you want to save money.

Examine the ads before you go shopping and create a plan of attack. At each store, only buy the things on sale.

5. Shop on a Tax-Free Holiday

Raise your hand if you love paying taxes!

No one…okay.

Then don’t pay taxes on your school supplies by shopping on a tax-free holiday. Many states offer these around back-to-school time. Take advantage of this event for those big-ticket items like a new laptop, but buy all your supplies on the right day and you can save as much as 10% off your bill.

Keep in mind that these events usually apply for clothing and shoes and other items so be prepared for some serious savings.

6. Stay in the Zone and Buy Only the Things On Your List

Once you get in the store, there will be lots of banners, display stands, bright colors, and more vying for your attention. Their singular purpose is to get you to buy more than you planned on buying.

Put on your blinders and stick to your plan of attack. If you take your kids with you, be firm about only buying the things on your list.

You can choose to allow them one or two extra items or allow them to buy their own extras. Just make sure to tell them that before you walk into the store. If it sounds like you’re making exceptions, they’ll be incessant about everything they want.

7. Buy Quality Items

The whole point of this post is to save money on school supplies, but this is one spot where it makes sense to spend a little more.

Cheap items break easily and buying replacements usually ends up costing more in the long run. You’ll have to drive to the store again and won’t get to take advantage of the sales.

Invest in quality items, especially for things like backpacks that can be used for several years.

Of course, before sending your kids to school — label everything! That way, lost items are more likely to be found again.

Back-to-School Shopping…Go!

The little stuff like notebooks and colored pencils are easy to find at your local stores. But what about bigger ticket items like school furniture? Check out the amazing deals on school storage items here!

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Celebrating The Country Opening Back Up, On a Budget

The COVID-19 pandemic meant that all of us were stuck home for the good part of last year. However, it was also a time that a lot of people saved money because there were fewer places to spend it. People stopped going on vacation, eating out, and spending money on other recreational activities.

With the country opening up again, the urge to spend crazy amounts of money may be strong. You’ve been stuck inside for so long that you want to enjoy this newfound freedom, right? Well luckily, you can do that while saving money too!

Here are a few tips that you can use to enjoy the country opening back up and still save money!


Budgeting is an instrumental skill and, if done correctly, can help you get the most out of your income. Unfortunately, most people confuse budgeting and associate it negatively. They feel like budgeting means that they won’t be able to go out and have fun.

However, that’s simply not the case. If you budget your entertainment expenses, you’ll be able to enjoy yourself while maintaining a certain amount of your income as savings. The best thing about budgeting is that you need to know no real advanced techniques to start. 

With the advancement of technology, there are so many free applications that you can download that let you create a budget and track your spending at the same time. But, of course, if you don’t want to use any of these applications, you can just as easily manage with a pen, paper, and a calculator. 

Be Analytical 

When you’re looking to spend money after the pandemic, it’s a good idea to be very analytical about your purchasing decision. Being analytical means that you have a set series of questions you ask yourself before purchasing. 

The primary question that you should ask before making a purchase is how much utility the new product will provide. After that, ask yourself whether you already have a similar product. By being analytical, not only will you be able to make the most out of your budget, but you’ll also get excellent products. 

Tracking Spending 

It seems like an obvious tip when you state it in writing, but you’d be surprised at how many people skip out on tracking their spending. Without keeping track, you put yourself at significant risk of going over the budget. 

The main reason why many people don’t keep track of their spending is that they don’t understand how. Staying on top of it with a pen and notebook is too troublesome. A much easier way to keep track of your spending is by downloading an app for your smartphone. 

There are so many different options that you can choose between. If you want all the fancy features, a paid application is the best option. Most free ones contain enough about them to help do the job. By tracking your spending, you’ll always be able to stay on top of the budget you set. 

Tracking your spending also has another advantage. Most applications allow you to store your spending data and analyze it later. That’ll allow you to identify patterns in your spending and then make the necessary changes. 

Maintain Savings Goals 

Even though everything’s opening up again, it’s essential to ensure that you still maintain certain saving goals. The pandemic has given you a chance to build up a certain amount of savings. Instead of blowing out all these savings, use them to plan towards a future. 

That doesn’t mean you can’t enjoy yourself; set out a certain portion of your budget to entertain yourself, then set aside the other portion for your savings. There are two main types of goals that you can adopt, short-term or long-term. 

One option available to everyone for their savings needs is putting the money they’ve set aside in an IRA or a 529 savings plan. Even though they represent a certain amount of risk, they also represent an excellent opportunity for growth. With everything opening up, the economy is going to indicate significant growth in the short run. 

These long-term goals aren’t the only ones that you necessarily need to adopt. It’s even possible to take on smaller goals. For example, you can look forward to saving up to buy a new smartphone or maybe some designer clothes. Whatever your need may be, setting up saving goals is an excellent way to enjoy yourself while not fully losing control. 

Look for Ways to Treat Yourself 

One of the most effective ways to reign in yourself from overspending is by actually treating yourself. The desire to overspend after the pandemic primarily stems from the overall stress experienced during the lockdown. Therefore, by appropriately treating yourself, one can easily avoid the urge to overspend. 

While you were in lockdown, you likely managed to earn many loyalty credits on your reward programs. Now’s the time to use these loyalty credits and reward yourself. Use these points as much as you can to cover as much of the spending you can. 

That way, you’ll be able to treat yourself without having to spend too much money and deplete your savings too much. 

Invest in Yourself 

Instead of just trying to invest in yourself, another great option is to spend the money on stuff that would better yourself. For example, you could join a gym or a fitness program to help you get into the physique you desire. 

Or you could choose to invest in yourself by applying for specific online programs and certifications. By investing in yourself, you’ll put yourself in the best position to increase your earnings in the future. 

Resist the Urge to Spend Online

One of the worst habits that people developed during the pandemic is clicking on and buying stuff online. Its convenience is what makes the habit dangerous. Because it’s so easy and accessible to spend money online, people tend to do it recklessly without worrying. That means they can end up racking a huge credit bill without even realizing it. 

It’s essential to take a mindful approach when shopping online because if you don’t, you can easily overspend. Take a few minutes to ask yourself whether the product will provide you with a significant amount of utility before making your purchase. 

Streamline your Spending

There are many ways to streamline your spending to enjoy the benefits that modern-day technologies offer. For example, instead of spending significant amounts of money on a cable bill, you can choose to go with a Netflix or Amazon Prime subscription. 

Things like this can help you save a significant amount of money while living your best life!

While it’s important to treat yourself post-pandemic, those that aren’t careful can easily end up overspending and putting themselves in a bad position. By following these tips, consumers can ensure that they can spend in the best possible manner. As a result, you’ll save yourself from overspending post-pandemic with ease!





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Save Money This Summer

Due to COVID-19 and quarantine, many people were able to save a lot of money on travel and other expenses. However, many other costly activities depleted our savings (such as the countless hours spent online shopping). As summer approaches, chances are your spending will increase due to extra utility bills, upcoming vacations, or other summer activities.

That’s why we wanted to give you 10 money-saving tips that will guarantee that you save a lot during the summer, while not missing out on any fun.

So, without further ado, let’s begin!

10 Money-Saving Tips For Summer

Buy Your Groceries In Bulk

This is one of the most useful tips that you can follow during the summer. Many people tend to just buy what they need at the moment and head home. However, buying your groceries this way dramatically increases your spending.

That’s why it’s always better to buy your groceries in bulk. Simply make a list of the things you’ll need for the next week or month. Then, head over to the store and buy in bulk. Buying bulk quantities is cheaper, and this will save you gas money since you won’t have to go to the store as much!

Use Your Bike For Your Daily Errands

Buying groceries is just one errand among many. There are many tasks that you will have to perform daily such as visiting your office, going out to eat, or going out to buy other essential stuff. Simply using your bike to go to places can save you a lot of money on gas, and it’s also more environmentally friendly.

Even though it tends to get hot in the summer, you can get a lot of vitamin D while out in the sun. Biking is also a great way to get your daily exercise in. Just ensure that you are wearing your helmet and other safety equipment!

Start Gardening

There are so many amazing benefits of gardening, such as saving money! A nice garden is pleasant to the eyes, but you can also grow fresh fruits and vegetables during the summer season. You can grow many vegetables such as cucumbers, beans, squashes, tomatoes, and peppers in the summer. So, you won’t need to splurge on crazy grocery store prices that tend to run high in the summer!

To save money through gardening, all you have to do is to make small investments in the seeds and plants that you want to grow. And of course, you will have to give a lot of care to your garden. But in the end, it will be worth it.

Turn Off Your Air Conditioner

Many people end up spending a significant amount of money in the summer on their utility bills when they can easily save all of that. Now, this doesn’t mean that you will have to sit in the heat this summer. Instead, you just have to know when to use your air conditioner and when not to. There will be some instances when you will have to use your air conditioner, but it doesn’t have to be on 24/7.

For instance, if the temperature at night is cooler, you can just leave your window open before you sleep. You can also maximize the cooling effect by installing exhaust fans in your home. Having a good ventilation system will eliminate the need for an air conditioner in many cases and will help you get a good sleep.

Spend Time Outside

Summertime is a good opportunity to spend time outdoors. Spending some time outside is one of the best ways to save your money on those pesky utility bills during summer. You can get some much-needed fresh air when you are outside playing a sport or just walking around your neighborhood.

If the area you live in tends to get really hot, you can wake up early in the morning to enjoy some time outdoors. Temperatures are usually cool earlier in the day, and there’s a lot you can do at this time! Whether it’s hiking, running, swimming, barbequing, camping, or walking your dog, it’s always good to spend time outside in summer.

Cook Outdoors

Another way to save money is to take your cooking outside. When you cook in the summers, heat tends to build up in your home and has nowhere to go to especially when you have a poor ventilation system. This can make your house warmer and cause your energy bills to rise.

That’s why you should take your stove or grill outside when you want to cook. This will not only save you a lot of money on utility bills, but it will also be more fun to cook outside.

Clean Your AC filters

Many people tend to overlook this important money-saving strategy. To put it simply, maintenance is essential if you want to save costs on repairs or replacements. A dirty air conditioner filter increases your cooling costs, restricts airflow, and undermines the efficiency of your air conditioner. A dirty air conditioner filter means a higher run time and thus a higher utility bill.

So, you should take the time to clean dirty air conditioner filters. Filters are also cheaply available in the market, and you can replace them if you want.

Block The Heat Source

Another simple strategy to save money and improve your summer experience is to block heat sources. This will save your money on utility bills and will reduce the sweltering heat in your home.

Close all the curtains or buy sunshades for your windows. Also, ensure that you are blocking all the other heat sources, such as glass panels, on your door.

Air Dry Your Clothes

One of the benefits of summer is that you don’t have to use your dryer to dry your laundry. This can save you a lot in terms of energy costs!

Simply start hanging your laundry outside with the help of a clothesline. The sun’s scorching heat will do the rest for you. This will not only dry your clothes but will also kill bacteria.

Opt For A Staycation

One of the best ways to save money this summer is by going for a staycation instead of a usual vacation. Even if you normally don’t find your area particularly interesting, it may still have a lot to offer if you look around.

Make a list of some popular destinations nearby and give them a visit. This could include zoos, museums, parks, or camping sites in your area. This summer will be a great opportunity for you to explore your area while also saving travel costs.

Summer is one of the best times of the year but also one of the most expensive. However, if you follow these tips and tricks, you can save a lot of cash this summer and make this season truly enjoyable for you and your family.



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Free Activities for Spring and Summer

In today’s post we are going to highlight some of the ways to save money this Spring and Summer. We will also be listing some free activities that are fun to do in the Spring and Summer as well!

Ride your Bike

Bike riding is cheaper than paying for gas or for public transportation. It’s a bonus that it’s a great workout too!

Planting a Garden

You have to spend a little initially to buy gardening tools and seeds, but the return on your investment is huge! You’ll save money on groceries all summer long.

Cancel Your Gym Membership

If you’re a runner, walker or biker then the nice spring and summer months are the best time to cancel your gym membership. Exercising outside is enjoyable and saves you money!

Free Activities for Spring and Summer

  • Visit a public park
  • Go for a hike
  • Free concerts
  • Go to a beach (If you have one nearby)

We hope these suggestions and activities help you have an awesome Spring and Summer!

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Saving more and spending less in 2021

If your New Years’ resolution was to save more money, then hopefully you’re off to a great start! However, If you’re struggling, here are some great suggestions on how to stay in the green this year.

Lower Your Utilities

Utility bills can start to add up in 2021. One way to reduce it is by replacing your light bulbs with LED bulbs. More on that here.

Buy Store Brand

Store brand products can potentially save you up to 30% off, and that is without using coupons. Pair those two together and you’ll be saving lots of money at the grocery store! It also helps when you buy in bulk. If you have the space, buying larger packages of goods or supplies can reduce the overall long term price.

Go Paperless

Lots of places where you may have bills offer a discount for you to pay online and receive paperless statements. With all the bills life throws at us, any additional discount helps.

Group Cell Phone Plan

Sharing a cell phone plan with roommates, friends or family can make everyone’s cell phone bill cheaper.

TV Re-evaluation

Maybe it’s time to take a look at those streaming packages and cable. Are you really using all those channels and providers? If not, see where you can downgrade or perhaps even cancel.

Hopefully these tips were helpful, and if you need a little extra cash we can help with that too! We offer installment loans. Installment loans are very simple. They are loans that are paid back conveniently in installments. Our loans may be paid back early at any time with no prepayment charges!

What makes us different than other companies, is that we have an easy applications, you receive quick results and you get your cash fast! Apply today, and feel free to chat with one of our live agents with any questions you may have. APPLY HERE

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