June 24, 2017 naturallyfrugaldoc

How to Christmas shop on a budget Hey everyone, It may seem too early to talk about the holidays that are in the months of November and December, but it’s not. We all know each holiday comes once a year during the same time frame, but we still spend as though it is an unexpected event. This post will show you how to set aside money for a debt-free Christmas/Holiday. Holiday Account I open a holiday account at my local bank. There are other financial institutions that have holiday accounts, who transfers that money into the primary…

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May 28, 2017 naturallyfrugaldoc

  Hey everyone, CD(Certificate of Deposit) laddering is when you open multiple CDs at once, but have them end at different times. The time frame may be 6 months, 1 year, 2.5 years and 5 years. This allows you to take advantage of the good rates whenever they come by. Today, CD rates are not the best. Another advantage, is it will allow you to receive money every few months, in case you are running low. This can also be used to prevent yourself from spending money. If you take money out earlier than planned you will be fined. This…

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May 27, 2017 naturallyfrugaldoc

Hey everyone, I didn’t know just how important accountability is until I really started having an accountability partner. Let’s break it down. Having someone there to check in on your progress towards your financial goal or other goals, is really helpful. Some may take pride in being very motivated in completing a goal, but there is always that moment where you are weak. This is when an accountability partner comes into play. Everyone who knows me, understands how in love I am with sweets, primarily cake. Like, if I am mad at them all they have to do is provide…

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May 13, 2017 naturallyfrugaldoc

In the beginning of this year I realized I did not have enough money to make it through August. As a full-time graduate student, taking medical school courses, it is difficult to find time to work. Until… my class load decreased to 2 classes in early March. Now I am able to work a part-time job. If you are a student without a job or an adult with a job, there are many money saving challenges out there for you to save money. There is the: No Spend Challenge You are pretty much not spending money, except on the fundamental…

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May 1, 2017 naturallyfrugaldoc

Hey Everyone, Today’s post is all about how couponing 15 minutes a week can get you things for free. Many of us have seen Extreme Couponing, which can be overwhelming for a college student or any adult with a full-time job. In this post you will find efficient ways to use online and printed coupons for maximum savings. But first, there will be two scenarios that illustrate the power of couponing. Rebates Rebates are a secret treasure not many people take advantage of. Some companies have a try-it-free or $10 off rebate. Some of them will allow you to use…

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April 23, 2017 naturallyfrugaldoc

Hey everyone,   The title says it all, you will find ways to build an emergency fund. Recently, I have lost my keys to my apartment. Of course the building manager was off and I needed to be at work the next morning. I flew back the night before around midnight and saw I didn’t have the keys. Now what? Call friends and ask if I could stay the night, call a locksmith and notify my boss I have a high chance of being late in the morning. Thankfully, everything worked out, but what if I didn’t have the funds…

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April 15, 2017 naturallyfrugaldoc

Every year people make New Year’s resolutions about saving money and losing weight, but after a couple of months they fall off the bandwagon. This post will guide you on how to accomplish your goals even when motivation is lost. The key is to make a plan and to have an accountability partner. Create a goal that is : Measurable a set amount Has a time frame can be days, weeks, months or years Has a purpose you’re saving money, because… (a vacation, big purchase, retirement, etc) Can be reinforced   Here’s an example: You want to put aside $5,000…

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April 9, 2017 naturallyfrugaldoc

Hey everyone, You may have been told that you are paying for all of your education or that it is close to impossible to win scholarships. I am here to give you a few pointers on how to win multiple scholarships. This past week I found out I won a scholarship worth $6,000. Jackpot!!! When you think of the grand scheme of how much medical school will cost, many people will shy away from applying. (And that’s perfect for you and I) So far I have won 3 scholarships worth $8,500. Doesn’t sound like much, especially when you notice it…

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March 12, 2017 naturallyfrugaldoc

In case you have never heard of it, Swagbucks is amazing. Swagbucks is a site that gives money through a variety of gift cards. They give us the opportunity to take surveys, watch videos, play games, receive “cash back” by online shopping through them, and many other things. Every month there is something called a Swag Team challenge. This provides us with  “swag ups: at the end of the month. The challenge lasts for a week at a time. The home page will alert you when there is a challenge. Every Tuesday there is something called Ispy Tuesdays. You have…

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March 12, 2017 naturallyfrugaldoc

As I mentioned in other posts, I go grocery shopping once a month on the last Saturday of the month. The next day, Sunday, I cook a month’s worth of meals. While creating my grocery list on that previous Friday, I meal plan. This allows me to see exactly how much food I need to buy on Saturday. The food I will eat for the week stays in the fridge and the rest goes into the freezer. Every cooking session involves a pack or two of chicken being cooked in the slow cooker. This allows me to be hands off…

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