Weekly Web Round Up

From Money Talk News

Upcycle Your Beverages: 20 Uses for Coffee, Tea, Soda and Beer

"Americans consume an average of 44 gallons of soda, 27 gallons of coffee, 7 gallons of tea, and 20 gallons of beer per year, MarketWatch says.
The problem is, if your house is anything like mine, not every beverage you buy ends up being consumed. I’m always finding half-full cups of coffee, watered-down tea, or unfinished beer in my house. In a perfect world, that wouldn’t happen, but I’m a realist. Sometimes there’s going to be a little left in the bottom of the cup (or leftover grounds in the pot).
But rather than waste it, I reuse it. I like to think of it as upcycling. Here are some examples..."

From Cash Money Life

Stop Living Paycheck to Paycheck – How to Break the Cycle

"The most important financial rule to remember is that you must spend less than you earn. It’s a simple concept, but one that can be difficult to master – especially as the cost of living continues to grow faster than pay raises. This rule is even more difficult to master if you are stuck in a cycle of living paycheck to paycheck. Breaking the paycheck cycle isn’t always easy, but it’s essential if you ever want to get ahead of the game. Let’s look at a few ways you can improve your financial situation and start getting ahead of the game."

From the Simple Dollar

What Does Your Net Worth Really Mean?

"One of the most useful calculations a person can make when it comes to their personal finances is to figure out their net worth.
The actual calculation of net worth is really simple. You just add up the value of all of the things that you own – the value of your home, the value of your cars, the value of your savings accounts and investment accounts and retirement accounts – and subtract from that the value of all of your debts. The resulting number is your net worth."

From CNN Money
A Rx for retirement: HSAs

"How would you like a triple-tax-free way to save for certain retirement expenses?
No, this isn't the latest Nigerian email scam. Rather, it's the very real advantage of a Health Savings Account (HSA), an investment vehicle available to those with qualifying high-deductible health insurance plans." 

From Christian PF
MoneyWell Review | Envelope Budgeting Software 


"As many of you know, we’re big fans of the envelope budgeting system here at ChristianPF. Instead of looking at your bank account balance and estimating how much you can spend before you make a purchase, looking in an envelope you filled at the beginning of the month makes spending clearcut – you either have the money for the purchase or you don’t."