I’ve Disappeared Again, Where Was I This Time?

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So if you’ve somehow kept following my blog all these years you have certainly noticed there hasn’t been much updating since 2013. I didn’t give up on blogging but wanted to focus more of my time on my true passion which is starting my own business. Now I wrote about MoversAtlas (which is still trucking along) in another post but I have since started a new venture that I wanted to share here as well.  So without further ado I introduce Vamori and the story of how it all started.

Changing the way you store, wear and wash your clothes!

When I landed my 1st professional job after college I realized I was spending way to much time and money washing the clothes I wore to work. The office environment was business casual so that meant slacks and a button up shirt every day. Originally I would wash everything I wore to work after only one wear but I quickly realized that was unnecessary. I began wearing my clothes multiple times between washes but then I ran into another problem, how do I know how many times I’ve worn something and when it needs to be washed?

To solve this problem I created a manual method of tracking how many times I wore each shirt and pair of pants. I decided 3-4 wares struck a good balance between wearing and washing. About a year into using my manual method I thought, “ya know, wouldn’t it be really cool if I could just log this information on the hanger itself?”. While I thought that was a great idea I had no idea how to make such an item so I kept using this manual method for over 5 years.

That is, until this Summer, when I decided I was going to learn how to hand make a hanger that would track how many times I wore an article of clothing myself! After learning the process, making a closet full and showing a few hangers to friends and family, most thought they were pretty cool so I decided to put them online and see if any would sell. Which lead me to opening my first Etsy shop! You can take a look at my shop and the actual products here.

I am excited to see where this new venture will lead, hopefully I’ll be back soon with positive updates!

 

My Long Hiatus Finally Explained

Mover's AtlasIt’s been an awful long time since my last blog post, over a year ago actually. I didn’t intend for it to be this long and some of you may be wondering what happened or what I have been doing during this time instead.

Well, I am excited to share with you the side project, now business, I have been working on for the past year. Mover’s Atlas! A website dedicated to helping individuals moving to Florida or within Florida learn about an area online without actually having to visit.

The site is similar to Zillow or Trulia, less the houses, plus community info. We use a Google map based interface and allow users to toggle on and off different map features they are interested in. Some of the information we provide includes, schools & school grades, public parks, places of worship, safety information like the nearest police or fire station, and demographic info such as median household income and home ownership rate.

Those are just some examples, I encourage you to check out the site to see all we have to offer http://www.moversatlas.com/. If you do, let me know what you think , the more user feedback the better!

41% of U.S. adults give themselves a C, D or F on their knowledge of personal finance

I stumbled upon a great article over at Forbes yesterday that I thought was worthy of a post. It speaks to America’s lack of financial literacy and shares some eye opening results from various financial surveys taken in the past few years.

Financial Illiteracy Is Killing Us

My favorite quote of the article:

“The good news is that most college graduates are financially literate. The bad news is that only 28% of Americans graduate from college, leaving nearly three quarters ill-equipped to make critical financial decisions”.

The author makes a point to state that financial education needs to be taken more seriously in our schools and I agree 100%. What about you, do you think personal finance is something that should be given more emphasis in the educational system?

11 Ways to Creatively Save Money in Your Daily Life by Debt.org

America’s Debt Help Organization at Debt.org is a company that helps people become more knowledgeable about their financial well-being. Each staff member is an IAPDA Certified Debt Specialist and Certified Credit Counseling Specialist who works to set, meet, and exceed your financial and life goals. They believe strongly in financial literacy and have been kind enough to write a guest post sharing a list of everyday ways to save money, after all one of the first ways to stay out of debt is to never get in debt. Here is

11 Ways to Creatively Save Money in Your Daily Life

Saving money is a long and arduous task for many people. It takes a certain level of patience, dedication and sacrifices. But that doesn’t mean these sacrifices have to be big. Small changes to your daily routines can add up to big savings. Here are 11 ways to save money in your everyday life.

1. Bring lunch to work

You may be spending an average of $6 a day eating lunch out when you could be spending about half that by making your lunch and bringing it to work. This would save you $60 a month, or more than $700 in a year.

2. Quit smoking

If you’re a pack-a-day smoker, you spend around $200 a month on cigarettes alone. You may also have higher medical and life insurance costs. Even just cutting down on the amount you smoke can put hundreds of dollars back in your wallet each year.

3. Rent and borrow movies and books.

Instead of going to the movie theater, rent a movie overnight. And instead of buying books and movies, borrow them from your local library.

4. Make your own coffee

Save a few dollars every day by brewing your own coffee before you leave home. If you’re a daily coffee drinker, investing in a coffee maker can pay for itself within just a few weeks.

5. Carpool, bike or ride the bus to work

With the ever-rising price of gas, avoiding extra miles in your car can mean major savings. Try out public transit, get a simultaneous workout by commuting by bike or get to know your coworkers in a carpool. It’ll also save you some money on car maintenance.

6. Pay cash

Bring a set amount of cash with you when you go shopping and use it to pay for nonessential items. You’ll be more aware of price tags and your actual spending, and it’ll be more difficult for you to go over your budget.

7. Freeze credit cards

Freeze your credit cards — literally. Place them in a cup of water and put your plastic in the freezer. It’ll make it more difficult for you to make big purchases on impulse. You’ll have to plan ahead when you want to go shopping, and it’ll give you time to change your mind. And once you implement this in your monthly routine, you’re likely to stick with it and establish your financial future as a priority avoiding future pains such as debt settlement.

8. Use coupons and buy off-brand products

Coupons are a great way to save a few dollars on your shopping list. Likewise, skipping over the name-brand groceries and trying out the store brands can also trim your grocery bill. You may not even notice a difference in the products.

9. Cancel unused gym memberships and magazine subscriptions

Check your credit card bill for needless recurring payments. Cancel your gym membership if you haven’t used it in months, and unsubscribe from magazines you no longer have time to read.

10. Plan a “staycation” or no vacation at all

Skip those plane tickets and that expensive hotel or cruise. Rediscover your own area or state by planning a “staycation” close to home. Or if your company offers a payout for unused vacation time, consider forgoing a vacation altogether in exchange for an additional week’s pay.

11. Don’t spend your tax refund

Instead of buying a large item like the newest LED TV or going on a vacation with your refund check put it away into savings or start a retirement account like a Roth IRA, this will help kick start your savings into high gear only a few months into the year.

Get Your Finance On!

I just came across a neat little fact that I was completely unaware of; April is National Financial Literacy Month. A month aimed at helping Americans get educated about their personal finances. Having a career in finance and having went to school for finance I am surprised I never heard of this before. Seeing as taxes are due on April 15th financial literacy seems quite fitting for the month of April. For the occasion I will be publishing a few new posts and sharing some of my past favorites on Facebook, Twitter, Google+, etc. Spread the word about National Financial Literacy Month by sharing this post! (Hint use the buttons below ;))

For more information check out: http://financialliteracymonth.com/

Your finances are your responsibility

Check out this article I found last week on Yahoo! Finance. It stress’s the importance of understanding your financial decisions and taking responsibility for educating yourself, an opinion I strongly agree with.

“Using the recent financial crisis as an example, Leibowitz says there’s ample blame to go around, not just the predatory behaviors of big bad banks, but also as a function of people that took out mortgages they really didn’t understand”

http://finance.yahoo.com/blogs/breakout/back-school-nyse-euronext-coo-stresses-financial-literacy-131210002.html