A Journey Of Cracked Cellphone Screens And Broken Dreams

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Before last year, I had never had a nice cell phone. I always settled for what was free with my upgrade or a hand-me-down. It never really bothered me.

However, when I last found myself in need of a new phone, Apple had just released the iPhone 5. I was tempted and decided to splurge some of my savings on the latest and greatest.

A friend explained that this would be great for me now and later, because my next contract would likely begin around the launch of the next iPhone in 2 years. There is, however, a major flaw in this plan: it is very, very difficult to keep one cell phone for 2 full years.…

The Hidden Costs Of Pet Ownership

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I never really “understood” pet people, likely because I was not a “pet person” growing up. (Just someone who used a lot of quotation marks, apparently.)

However, 6 months before our wedding, my wife and I started talking about getting a dog. Soon after that, an 8-week-old puggle named Deacon officially joined our family. (By the way, awful timing on our part. New puppy + wedding planning = major stress.)

Now, I have a much better appreciation of the mild obsession that develops when you get you get a pet—as well as all the hidden costs that go along with them.…

4 Points To Consider When Buying A New Car

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With college in the rear view mirror, many new grads may be thinking about the next phase of their lives—and how they can get around it in style.

A car may be a new, necessary expense if you’re entering the workforce. Borrowing your parents’ van can get old in a hurry. And, chances are, keys to a new Ferrari didn’t fall out of your graduation gift card from your grandmother. (Though that gift card to Target is perfectly nice too.)

If you are seriously thinking about stepping up to the plate to buy a new car, consider these four things before you do.…

The Dos And Don’ts Of Spending Your First Paycheck

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It’s not often that the SALT™ Blog advocates spending a little money. We generally preach about keeping the pockets tight.

But we aren’t monsters!

We know how exciting the rush of getting your first paycheck can be; I recently discovered this joy after landing my first full-time post-college job. Of course, I also discovered how easy it can be to go overboard with spending.…

The Entry-Level Employee’s Guide To Business Travel

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When I ventured into the real world, I thought I had plenty of corporate experience from working in offices for a few years at internships.

I thought I had it down; a birthday cake here, a new computer system there. All part of working in an office.

But with my first “real” job, I’ve tumbled into something I’d never seen before: traveling for work.…

3 Graduation Expenses You Should Have Been Prepared For

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Right now, it seems that everyone you know—and maybe you!—are graduating from college. My school only has a ceremony during the spring, so though I finished my studies in January, I’ll be “graduating” this week!

Graduation is a great time to celebrate your hard work and accomplishments. However, things get expensive. Some of those expenses may surprise you, but the ones below likely won’t—and you should definitely be prepared for them. Here are some tips to help you do just that. …

How To Avoid The Biggest Online Shopping Trap

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If you’re like me, and you won’t be enjoying a tax refund check this year, you probably need one good tip to get your finances back on track. Here it is: unsubscribe from retail email newsletters.

I’m not a shopaholic by any stretch of the imagination, but I do love a good sale. Who doesn’t? And isn’t it so nice of our favorite stores to send email newsletters about every sale they have? No. It’s not nice, it’s slick. Don’t fall into their trap!…

How To Deal With Your Spending “Blind Spots”

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Certain expenses seem to exist in an untouchable sphere. They sneak under the labels of “necessity” and “fixed cost”—even when we adamantly reduce our spending everywhere else.

For me, yoga is one of these spending blind spots. And after realizing I’ve already spent more than $500 on yoga classes and workout gear this year, I’m not feeling too zen about it.…