How Much Does Your Car Payment Really Cost You?

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It’s no secret that we believe spending too much on a monthly car payment is one of the worst things you can possibly do with your hard earned money.  For millions of people this takes the form of leasing a car, buying a new car every few years or just buying an expensive car they…

A Lifetime of Financial Advice in your Wallet

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

We read a recent newspaper article that discussed simple rules for a financial lifetime that would fit on just one index card, and while many of them were incredibly similar to concepts we describe here on RichmondSavers.com, some of them were too specific even for the average person. With that in mind, we came up…

Saving Money with Amazon Prime and Subscribe & Save

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

We use Amazon.com for essentially all of our online shopping; it’s hard to beat their rock-bottom prices and free shipping with any $25 order.  Well, much to our surprise, they have managed to top themselves with both Amazon Prime and Amazon Subscribe & Save! Update: We also wanted to pass along an important update for…

Save at Least 20% of your Income to Live Within your Means

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

In our opinion, if you aren’t saving 10% of your income for retirement and at least another 10% of your income for savings/emergency fund/college/investing/etc., then your financial life is out of balance and you are definitely living beyond your means. Most people start with their take-home pay, deduct out all their various monthly expenses and…

How we each only spend $4 a Month on Cell Phones

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

Laura and I each spend approximately $4 a month on our cell phones for a grand yearly total under $100 combined!  This means we’re paying at least $1,500 less per year than most similar couples who have the latest cutting-edge ‘smart’ phones (“poor phones”?) attached to their bodies at all times. As you can probably…

Beginner’s Guide to Saving Money

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

We think the best investment advice anyone can give you is this: Save as much money as you possibly can and make saving your number one financial priority.  This is the fundamental underlying concept behind everything we advise here at RichmondSavers.com. It all starts with saving money.  Stop buying useless garbage you’ll never use, expensive…

Use the Public Library to Save Thousands of Dollars

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

We’re a family of readers.  We used to spend serious money each year on new books and we amassed a lovely collection that was “worth” thousands of dollars.  But you know what?  They were just taking up a lot of space and they seemed like more of a museum than anything relevant to our lives. …