Our $231 Luxury Bermuda Trip using Travel Rewards Points

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A few years ago, we took our summer vacation to New York City and Bermuda, and it is a great example of how you can save thousands of dollars using travel rewards points. We saved $5,500 off our luxury vacation, and only paid a net $104.79 for the hotel plus $126.50 on unavoidable flight taxes…

Beginner’s Guide: Best Hotel Loyalty Programs Part One

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One of the awesome perks of pursuing credit card rewards is that they help you experience things you couldn’t afford otherwise. Hotel loyalty programs, for example, allow you to spend the night in hotels you would never actually pay for and experience the opulence and class of a four-star or even five-star property. Most of…

Travel Rewards 101: A Beginner’s Guide to Credit Card Rewards

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I’ve racked up tons of free travel and thousands of dollars in statement credits over the years, and it’s all due to my complex relationship with credit card rewards. Basically, I’m obsessed with them. Family members and friends see me taking weekend trips, traveling abroad, and landing free hotel rooms, yet remain skeptical that any…

Time Is Your Most Valuable Resource

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I just read an article from my friend Mr. 1500 about what “Enough” means in life, and it got me thinking about what is truly valuable in my own life. Once my family is clothed, sheltered and fed, the most valuable resource to me is Time. We only get a finite amount of time in…

The What, Why, and How of Saving for a Down Payment on a Home

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Home ownership is often marketed as the cornerstone of the American dream. But it doesn’t come cheap. You need to make sure you’re financially prepared before considering buying a home, and that means having an emergency fund already in place, a steady source of income, and the ability to continue contributing to your long-term financial…

Ask the Readers: How do you Teach your Children about Money?

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We’d like to turn the tables with this article and ask for your advice as we embark on a new part of our lives as parents. Our oldest daughter is coming up on her 6th birthday, and we believe it is time to really start making her aware of the concept of money. Our question…

True Life: I Went to a Small College – and Was Still Successful

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You know how one of the easiest ways to cut back on your grocery bill or on how much your spend at Target is to swap name-brand products for generics? It’s such an effortless way to save money, and it just makes sense: 99% of the time, the generic or store brand is nearly identical…

The Most Important Question: Is This Useful?

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I’m always looking for books that challenge the reader to look at the world differently, and I usually satisfy that urge with the latest Malcolm Gladwell or Michael Lewis book.  Since I just read David & Goliath and the wait at the library for Flash Boys was significant, I picked up two excellent books that…

Stress-Free Cooking Installment 5: Mexican Shredded Chicken

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This is, without a doubt, my new favorite recipe to make for three reasons: (1) it’s SO easy, (2) it makes a LOT and (3) you can use the chicken in several different ways so you’re not having the same meal over and over again. And of course, you can freeze any leftover chicken and…

A Realistic Look at Ideal Days in Our Future Financially Independent Life

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We talk a lot here at Richmond Savers about saving money and why it is so important in order to make your life easier and more financially stable. Money is a tool that you can use to give yourself power over your life that most people living paycheck-to-paycheck will never have. Life is simply much…