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How To Fix The Dumbest Financial Mistake Ever Made

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The Dumbest Financial Mistake Ever Made

Have you ever made a really dumb money decision? I mean, like….so stupid that you are kicking yourself later. I did that a few times, even though I’m an accountant. But there are some tricks that can help you get back on track after making a terrible financial mistake.

One of my worst money decision ever was to buy a super cheap minivan to haul our family across the country when we moved to North Carolina from Seattle. It was a hunk of junk and didn’t have many features, but we had already sold our other cars and wanted something cheap.

It cost $6,000 and we paid cash. Right when we drove it off the lot, it started making some odd noises. So we put it in the shop and paid about $750 to get some repairs done.

Then we started our journey across the United States. Somehow, it didn’t break down on the way to North Carolina. But a week after we arrived, I was driving down the road with the kids when smoke started filling the cabin. The engine was on fire! That was a bad day.

We spent another $1,000 to repair the issue, but in the end, we decided it was better to get a more expensive car with fewer problems. So we traded it in on a new purchase. The dealership only gave us a $1,200 credit for the car.

So we spent a total of $7,750 on a hunk of junk and got back only $1,200. We basically threw away $6,550 in cash.  Now, imagine me kicking myself and saying, “Do you know what I could have done with $6,550 if I hadn’t thrown it away?”  We would have been better off just buying the more reliable car to start with.

How Do You Recover Financially?

I was kicking myself for a while on that one, but the fact is: once you make a bad money decision, there is no going back. You can only go forward from there.

We all make money mistakes from time to time, like buying things we later regret, signing up for a bad loan with huge payments, or putting things on credit instead of waiting. But what really matters is what you do next.

Overcoming your financial mistakes is essential to getting on the road to financial freedom.

Here’s how you do it:

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Save Up to $1,190 per Year Making Your Own Bread

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Save a Bundle of Cash by Making Your Own Bread

Bread baking is one of the tastiest ways to save money on groceries. Especially when you have a 4-step bread recipe like mine. There is nothing better than a warm slice of mom’s buttered bread. Plus, it is a lot easier to make than most people think.

Making your own bread can save you up to $1,190 per year or more, depending on how much your family normally eats. Keep reading to get a great bread recipe, awesome freezer jam recipe, and useful bread making tips.

How Much Does It Cost to Make Your Own Bread?

Let’s do a price comparison. A regular loaf of bread usually costs between $2 to $4. Organic bread usually runs higher, around $3 to $5. And if you need gluten-free options, you are looking at more like $4 to $7.

Now, let’s do a calculation to see how much homemade bread costs. You can make 2 loaves of bread with one recipe.

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Top Online Amazon Deals For Father’s Day Gifts

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Last Minute Father’s Day Gift Guide

If you are like me, the busier you get, the more chance you forgot something. I almost forgot my daughter’s birthday this past month. Luckily, she reminded me.  Well, father’s day is in just 1 week. Have you done your shopping already? Well, it’s not too late if you shop on Amazon. They can ship your items in time for Father’s Day. I went all through their site and found you some good deals that any guy would love. There are also some other great recommendations at a few other sites.

2017 LAST MINUTE FATHER’S DAY GIFT GUIDE:

Sales on Amazon

Father’s Day Gifts

Need a tool for dad? Here are some great deals on tools for the Do-It-Yourself Dad.


How about for the tech savvy dad?


 

Here are some deals for the Sporty Dad!


Macy’s is also doing last minute shipping:

Up to 40% off plus an additional 25% off with code PRIV on Tommy Hilfiger Men’s Collections

Other Amazing Father’s Day Deals!

Best Buy:

Save $70 on Sennheiser Hd558 Audiophile Over-The-Ear Headphones, Now $79.98!

Tile (Tech tool to help you find your keys or phone):

Give dad the gift of Tile and get a free gift box with multipack purchases!

Nordstrom:

Shop Father’s Day gifts, including watches, at Nordstrom. FREE Shipping. FREE Returns.

IHG – Deals for travel.

Experience luxury for less. IHG Rewards Club members save up to 20% on hotels in select cities.

Soak in the sun! Members save up to 15% on beach getaways in select cities.

Kohls

Get $10 Off Your Father’s Day Gift Purchase of $50 or More with Code DADSDAY10! 6/5-6/18!

$5 Off Your Curve, Curve Sport, or Perry Ellis Fragrance For Men Purchase of $45 or More with Code SCENT5! Excludes Gift Sets! 5/28-6/10!

Discounted Gift Cards

See this post for info on how to get discounted gift cards for Father’s Day!

Free Printable Father’s Day Cards

There is still time to download a set of FREE printable Father’s Day cards.  There are some really cute options. 

Thanks for stopping by. Be sure to come back soon for more posts like this.

If you need help setting up a budget or you want a free printable budget workbook, click here

This post may contain affiliate links, which means I may receive a small referral credit at no cost to you while still providing you the best offer I’m aware of.  Please read my disclosure page for more information.

Save Some SERIOUS CASH with Discounted Gift Cards!

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Buy a Gift Card for Less than Face Value

Do you find it hard to shop for gifts for certain people? You know the ones… the guy who has everything or the girl who is picky. A gift card works great for people like that. But, wouldn’t it be great if you could get a gift card for way less than face value? You can! There are many websites that sell discounted gift cards.

They get these cards from people who would rather have cash than a gift card. They sell them to the site for less than they are worth, then the site sells them to the public. You can really save some BIG BUCKS by buying them to make your everyday purchases like groceries, clothes, and more. 

Top 7 Discount Gift Card Sites

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101 Ideas for FREE Summer Fun!

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101 FREE (or Cheap) Things to Do with the Kids this Summer!

Summer is the best! It’s beautiful. The pools are open. And I don’t have to get the kids up early for school anymore. (That’s my favorite part.) But eventually, the kids get a little restless and want to do something fun. This can be tricky if you are on a budget so here is an epic list of 101 free or cheap activities you can do with your kids this summer.

101 Ideas for FREE Summer Fun!

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13 Tricks to Stop Impulse Shopping Right Now!

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Are you an impulse shopper? 84% of shoppers are.

This number might surprise you, but it shouldn’t. With the flashy ads everywhere, bright displays, and colorful, must-have products, how can a person resist? The problem is, many people end up living paycheck to paycheck or going into debt because of impulse shopping. But you can stop this from happening to you.

Companies spend millions of dollars figuring out ways to trick your brain into being impulsive enough to buy their product on the spot. They employ specialists in marketing and psychology to understand how consumers think and act. Then they use that info against you to get you to purchase things. 

Here are a few marketing schemes you might have noticed.

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Number 1 Trick to Stop Worrying About Money

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Did you know that financial worries keep 62% of people up at night? According to a survey by Creditcards.com, money worries interfere with a good night’s sleep. If you are one of those people, then you know exactly what I’m talking about. But how do you get over money worries? You fix your money problem!

Don’t Wait! Fix Your Money Problems Now!

What? There’s a way to fix money problems? Yes. Money problems start because of mismanagement. When data shows that 50% of Americans live paycheck to paycheck, you know there is a serious money management problem in this country.

person with money worries

What’s the top money problem?

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