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With the click of a button you can sign up for a subscription to stream music or  your favorite T.V. series.  It’s easy to be roped in by offers for gym memberships, grocery delivery, and box subscriptions.

These relatively “small” recurring costs can add up quickly. Many times, we’re unaware of exactly how much we end up spending on these subscription services—in fact, according to a Waterstone Management Group survey, 84% of us are underestimating our monthly tech spending.

Today is the day to take audit of what subscriptions you have, see how much you are spending, and evaluate which subscriptions you may be able to go without. For today’s challenge you will need the following:

Time: 10 min
Tools: Your phone and/or laptop

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How is it already mid-February? If you’re like me, you have barely recovered from the holidays. All the dining out, celebrations, and gift-giving were fun, but now you’re stuck sewing the hole that burned in your pocket. Then, just when you think you’ve finally caught up, sneaky February 14^th is upon you vying for your love and credit cards. Yes, Valentine’s Day can very much feel like a commercial holiday and yet, many of us want to celebrate it by showering our loved ones with costly gifts. If you are looking for that kind of gift guide, this isn’t it. As the title suggests, this Valentine’s Day Gift Guide is for those who want to show their Valentine some affection while still being budget-conscious. As a bonus, these gifts take little planning and can come together in less than a day.

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Growing up my mother made us go through a process that, to my childhood brain was cruel and unusual. It was called spring cleaning. Each and every year, twice a year (in fall too), we cleaned the house from top to bottom. Ironically, I didn't have all that much responsibility until I was older, but it did mean I had to clean my room and separate my clothes for the season.

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 My favorite bicycle vendor refuses to offer a lifetime warranty on their products. Their argument is that they want to make something so good it doesn’t need a warranty. What the other manufacturers do is make something so cheaply that, with markup, they are expecting every item to be replaced by a warranty at least once and they still turn a profit. To do that, the manufacturing cost has to be incredibly low, which brings the quality down.

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