Prairie Eco-Thrifter

Are Peer Loans Too Risky or the Way of the Future?

Prairie Eco-Thrifter

(Photo credit: Wikipedia). If you haven’t already heard about peer lending, it’s likely that you soon will. The largest loan company, Lending Club, is getting ready to issue stock on the New York Stock Exchange and the media are already all over the story.

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The Prairie Eco-Thrifter Giveaway Extravaganza: 2nd Anniversary with an iPad 3 and over $200 Cash To Be Won Plus a Bonus Prize

Prairie Eco-Thrifter

I am still in shock. I cannot believe I started this blog just over two years ago. I started this site as a way of meeting some new people and having some interesting conversations and it has transformed into something much more than that.

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7 Ways to Follow Up After a Job Interview

Prairie Eco-Thrifter

Too often, after a job interview, we fail to follow up with the company. This can be a mistakes, since it might mean that you drop out of the consciousness of the interviewers.

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How to Impress Your Boss (Without Giving Up Your Work/Life Balance)

Prairie Eco-Thrifter

It seems that maintaining your personal life while trying to climb the corporate ladder or enhance your work life is nearly impossible. It’s incredibly hard to balance work and family, which is why it is such a hot topic.

6 Ways to Improve Your Life in the Coming Year

Prairie Eco-Thrifter

One of the great things about a new year is the fact that you can look at where you’re at, decide where you’d like to be, and then make a plan to improve yourself.

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Saving Your Pennies For A Rainy Day

Prairie Eco-Thrifter

We have all heard that age old adage “save your pennies for a rainy day,” but many of us never do it. Saving money can be a bit of a difficult challenge, especially if you are in a household that lives paycheck to paycheck like so many do.

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How Downsizing to an Apartment Has Saved Us Money

Prairie Eco-Thrifter

My family and I recently moved across the country. While the cost of living in our new town in Pennsylvania is higher than we experienced in Utah, we are actually saving money each month due to downsizing. I also suspect that we’ve lowered our carbon footprint a bit as well.

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Make One Change to Improve Almost Every Aspect of Your Life

Prairie Eco-Thrifter

Over the past year or so, I’ve probably watched twenty different documentaries , and many of them were about health, food, weight and nutrition. I also enjoy many TED Talks on similar topics and am an avid reader.

Simple Things You Can Do to Be Environmentally Friendly and Save Money

Prairie Eco-Thrifter

So often, being environmentally friendly and saving money go hand in hand. That’s good for the Earth and for personal finances. The truth is, there are plenty of things our grandparents and great grandparents did that were eco-friendly and frugal that we can easily do today.

It’s Time to Leave Your Money Mistakes in the Past

Prairie Eco-Thrifter

As humans, we tend to be hard on ourselves. When we make mistakes, we dwell on them, dredging them up, and remaining ashamed — often long after others have forgiven us and moved on. The same is true of our money mistakes.

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The Deadly Sins of Personal Finance

Prairie Eco-Thrifter

Lots of people will say that there’s no real formula for personal finance, because it’s personal. Everyone has different circumstances to take into account, whether it’s their family structure, personal situation, luck (or lack thereof), and their values.

4 Great iPhone Apps For Losing Weight

Prairie Eco-Thrifter

Despite living in an era where new, groundbreaking technologies are being developed on a weekly level, we haven’t been able to win the war on obesity just yet. Many people have a weight problem and this problem seems to be even more pronounced amongst the high-tech gadget enthusiasts.

Learn How To Eat Healthy On A Budget

Prairie Eco-Thrifter

Do you want to eat healthy but don’t think you can afford it? Everyone these days seems to be more focused on health. Many people have made it a priority to eat organic foods. However more people would eat organic if it didn’t come with such a high price. This doesn’t have to be the case.

Financial Success: It’s Not Always About Your Income

Prairie Eco-Thrifter

When I was younger, I used to think that a higher income was the solution to most of my financial issues. My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. However, this isn’t always the case.

For Better Savings: Use Sub Accounts to Differentiate Your Goals

Prairie Eco-Thrifter

One of the mistakes that we often make when saving is putting everything into one account.

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10 Ways to Save on Eating Out

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Eating in is a great and easy money saver, but it’s not always an available option, nor is it always exciting (though I do have some suggestions on how you can spice it up ). A nice restaurant meal can be a welcome and affordable indulgence if you know when and where to look. Set a Budget.

Three Expensive Sources of Quick Cash

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What happens if you are hit with an expense that you can’t afford, and your emergency fund just isn’t up to scratch yet? Chances are that you will turn to a source of quick cash to make up the deficiency.

Do You Have Enough Money to Retire?

Prairie Eco-Thrifter

This is one of the fundamental questions of finance, yet often goes unanswered by many financial advisors and most individuals. It is the most common question I get asked at Investor Junkie. It’s critical to know if you are on the right path towards retirement. The earlier in life knowing the answer to this question the better. If you are a Millennial, you have time on your side.

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Are You Letting Your Luxuries Become Needs?

Prairie Eco-Thrifter

One of the fundamental principles of savvy finances is understanding the difference between needs and wants. Part of this understanding is acknowledging that much of what we have are actually luxuries and not needs at all. Unfortunately, it’s all too easy to let luxuries become needs.

Competing With Yourself To Save On Utility Bills

Prairie Eco-Thrifter

Unlike most people, I actually look forward to receiving my utility bills each month. Hard to believe? Let me explain.

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10 Nifty Ways to Eat Organic on a Budget

Prairie Eco-Thrifter

Many people have the false belief that organic foods are a luxury that only a select few can afford. This notion is simply not true. While organic foods are more expensive than non-organic foods, they can be more affordable than you might realize.

3 Tips for Getting Rid of Clutter and Organizing Your Home

Prairie Eco-Thrifter

We love decorating for the holidays at our house. I like putting out the autumn decor, and as soon as school starts, up goes the garlands with colored leaves, and the Halloween decorations.

What Money Advice Would You Give Yourself If You Could Go Back in Time

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We like to say that hindsight is 20/20, and this is especially true of money. We often think about what we would tell ourselves if we could go back in time and provide some advice to younger versions.

Save Money Exercising

Prairie Eco-Thrifter

It’s winter, you’ve been through the holidays and eaten more than your fair share of goodies. You haven’t had time to pursue exercise and with holiday indulgences coming due on the credit card you don’t have spare money to buy a gym membership.

5 Essential Money Tips for Newlyweds

Prairie Eco-Thrifter

When you first contemplate marrying the love of your life, everything seems just right. You believe you can put up with anything, and you think that any difficulties can be smoothed over if you face them together.

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5 Books with Insights that Changed the Way I Think About Money

Prairie Eco-Thrifter

When I was growing up, my ideas about money were limited. I figured the keys to financial success were: Get a good education. Get a good job. Buy a house, since it’s an investment. Save money in a bank account (or perhaps a company retirement plan). Work at said job for 30 or 40 years.

How Mindfulness Can Improve Your Life

Prairie Eco-Thrifter

Mindfulness is something that has tripped me up in the past. However, I’ve found that as I pay attention to what I’m actually doing , I make better decisions. You might be surprised at how you can improve various areas of your life when you practice greater mindfulness: Nutrition.

Christmas Reward – iPad 3 Giveaway

Prairie Eco-Thrifter

How better to finish off Christmas than by winning an iPad 3. I mean, who doesn’t want this handy little device?! This month, I have teamed up with a group of amazing blogging friends to give you a chance to win one, saving you having to spend a single penny.

Want Better Productivity? Stop Multi-Tasking!

Prairie Eco-Thrifter

One of the things I used to tell my mom was that, of course I could do my homework while watching TV. I tried to make out like I was this amazing multi-tasker, reading while I did my chores (have you ever tried to hold a book in one hand while wielding a vacuum in the other?),

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How to Limit Distractions When You Work From Home

Prairie Eco-Thrifter

There are times when I just can’t seem to focus on work. It’s too easy to get distracted and pretty soon nothing is getting accomplished. Working from home doesn’t really help the situation, since the line between work and other things can be blurred very easily.

Yakezie Carnival – Credit Cards Edition

Prairie Eco-Thrifter

Hello and welcome to this week’s Yakezie carnival. Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme.

Why Donations to Charity are Important

Prairie Eco-Thrifter

Charitable organizations exist to support and raise funds for a specific group of people. There are numerous charities that support a wide variety of causes such as children in various locations, sufferers of various diseases, homeless people and disadvantaged people at home and overseas.

Do You Have an Income Problem? Or a Cash Flow Problem?

Prairie Eco-Thrifter

I think about cash flow. A lot. As a freelance writer married to an adjunct professor, my household income is sometimes a little unpredictable. In many cases, it’s not about how much we have coming in; it’s more about when the money arrives and leaves.

Why Cheaper Isn’t Always Better

Prairie Eco-Thrifter

I’ve never been much of a frugalista. I do try to get good value for my money, and I do try to get the best possible price for what I want, but I don’t always subscribe to the idea that cheaper is better.

Which is More Dangerous: Cash or Credit Card?

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I got in to a debate with my friend last week about whether cash or credit card encourages it’s user to spend more money. My stance is that cash does – definitely! I find that the second cash enters my pocket, it’s gone in 60 seconds.

Are These 5 Investing Mistakes Eroding Your Returns?

Prairie Eco-Thrifter

It’s true that one of the most efficient ways to build wealth over time is through investing. But are you making mistakes that are eroding your wealth? There are a few things you might be doing, as an investor, that are reducing your real returns.

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How to Save Money by Greening your Wardrobe

Prairie Eco-Thrifter

If you’re like me, you are always looking for ways to save money, even if it’s only a little bit each week or month. Sometimes we need to find extra funds when big bills are due but often it is needed just to make ends meet.

The Difference Between Looking Rich and Being Rich

Prairie Eco-Thrifter

Recently, I’ve been giving a lot of thought to appearances. There have been two instances, recently, in which I have seen people I know desperately trying to look as though they are rich.

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How To Get Your Budget To Balance

Prairie Eco-Thrifter

We all know that one of the best personal finance strategies is to have a budget and you’ve probably tried to create one at some time.

Do I Really Spend US$27,288 Each Year on My Child?

Prairie Eco-Thrifter

Every year in the United States, the US Department of Agriculture (USDA) releases a report on how much the average person spends to raise a child from birth to age 18. For babies born in 2012, this number is $241,080.