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  • Newsletter

Birthday Freebies, Dusty Gift Cards & The Anti-Car Guide 🚘

  • March 4, 2025
  • Tagged as: emergency fund, Entrepreneurship, Hard work, investing, personal finance, saving money, side hustles
Good morning, HTM Family! Quick thought exercise based on the Charles Shultz Philosophy… (me neither 🤷‍♂️) OK, now try this…. Much easier, right? The point is: The people that make an unforgettable difference in your world...

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  • Career

How to Start A Business Without Any Money

  • March 4, 2025
  • Tagged as: emergency fund, Entrepreneurship, Hard work, investing, personal finance, saving money, side hustles
start a business without any money header
If you want to start a business without any money, it's totally doable! You just need to get a bit scrappy and think outside the box!

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Insurance

What is Life Insurance Laddering?

  • February 26, 2025
  • Tagged as: employee benefits, estate planning, Life Hacking, negotiation, saving money, term life insurance
Life insurance laddering is basically when you stack multiple life insurance policies on top of each other. The goal is to have lower overall premiums, so you’re neither underinsured or overinsured throughout various stages in...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Personal Finance

How to Combine Finances with Your Partner

  • February 26, 2025
  • Tagged as: budgeting, emergency fund, family finance, Financial Independence, HYSA, net worth
Combining finances with your partner can produce bountiful benefits to both your relationship and your overall financial trajectory. Merging money forces you to communicate more, helps with financial goal setting, and enables you to hit...

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Joel O'Leary
  • Saving money

Buy This, Not That: Car Ownership Edition 🚘

  • February 25, 2025
  • Tagged as: car costs, car lease, cutting monthly bills, investing, needs vs. wants, saving for retirement
Cars cost WAY more than most people realize. I’m not talking about the initial sticker price. It’s everything associated with cars over time… Ongoing maintenance, the odd repair bill, financing and loan payments, insurance, depreciation,...

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Joel O'Leary
  • Newsletter

Stress-Free Saving, Dividend Inflation, & Two Magic Words 🙏

  • February 25, 2025
  • Tagged as: emergency fund, Entrepreneurship, Hard work, investing, personal finance, saving money, side hustles
Happy Tuesday, happy people! A couple of reminders to kick off this awesome day… OK, let’s get on and talk about the money stuff! 👇👇👇 TO DO Try this “Market Timing” Game… Here’s a fun...

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  • Saving money

12 Frugal Habits to Save Money in Everyday Life

  • February 18, 2025
  • Tagged as: bike commuting, budgeting, frugal living, frugal vs cheap, grocery hacks, Life Hacking, mindful spending, pay yourself first, saving for retirement
Frugal habits are lifestyle creep’s mortal enemy. Lifestyle creep is that natural tendency we all have to spend more as we earn more. While it’s totally cool to treat yourself and upgrade your lifestyle (in...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Newsletter

AI Money Hacks, Taxes on CC Rewards & Flipping the Script 🤔

  • February 18, 2025
  • Tagged as: Financial Independence, investing, Life Hacking, personal finance, saving for retirement, saving money
Yo yo, HTM Family! Here’s a quick positivity hack I use to get through life’s little annoying moments. Whenever I catch myself in a negative thought loop, I try “flipping the script” to think of...

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  • Saving money

10 Frugal Values that Can Help You Build Massive Wealth

  • February 18, 2025
  • Tagged as: budgeting, frugal living, frugal vs cheap, Life Hacking, mindful spending, pay yourself first, saving for retirement
If you’re dreaming of building that million dollar retirement nest egg, or accumulating enough cash to retire early, adopting frugal values can help you to get there. While earning more money is certainly one side...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Saving money

20 Frugal Living Tips to Cut Monthly Expenses

  • February 18, 2025
  • Tagged as: biking, budgeting, debt snowball, emergency fund, Frugal hacks, frugal vs cheap, Life Hacking, negotiation, utilities
Frugal living is a superpower, and these frugal living tips will help you to harness your abilities. When you start to adopt mindful spending into your everyday life, you’ll notice that you’re holding onto more...

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
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