Penguin Thoughts
Your money-saving prodigy penguin writes
8 Tips to Score the Best Deals on Amazon Prime Day
The summer equivalent of Cyber Monday is just around the corner. Here are 8 tips on scoring the best deals on Amazon Prime Day without busting your budget.
Latest Articles
How to Know if You Should I Pay Off My Car Loan Early?
Here are the pros & cons of paying off your car loan early. Get the most flexibility with your budget and weigh the benefits of being loan free.
How Much to Save for Car Maintenance?
Learn how much to save for car maintenance each month. Be prepared for the expected and unexpected costs of keeping your car up and running.
How to Save Money at Disney World
If a trip to Disney World is on your bucket list this year, it’s time to start planning now. Whether you’re traveling with friends or family, the costs of a Disney World vacation can start to add up quickly. While you might be tempted to spend money on all the bells...
How Will a New Credit Line Impact my Credit Score?
When applying for a new line of credit, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. However, it can still be a smart move! Your credit score is meant to be used (within reason) The entire point of...
Should I Use a Debt Relief Company?
There’s a big issue when it comes to debt relief companies: it’s hard to tell who is a good guy. Heck, even the language is confusing because debt relief, debt consolidation, debt settlement and credit counseling often get used interchangeably, though they’re...
What is a Personal Loan and How to Get One
You’ve considered debt avalanche and debt snowball and you’re a little freaked out about taking out a new credit card to pay off existing credit card debt with a balance transfer. Channel your best infomercial voice and say “there’s gotta be another way!” And...
What to Watch Out for When Getting a Personal Loan
With fixed-terms and set monthly payments, a personal loan can be a more attractive option than a balance transfer for those who fear the temptation of a credit card. However, a personal loan isn’t without its potential pitfalls. You need to understand all the...
The Ultimate Birthday Freebie Guide
We’ve searched the web to find the best birthday freebies out there, and compiled a list of our findings. Here are the results.
Top 7 Banks That Have Free ATMs and ATM Refunds
You might think that all banks are created equal, but being charged for withdrawing cash at an ATM can be incredibly frustrating. Even seemingly minor fees can add up to a lot of money over months and years of using ATMs. This article will cover some of the...
How to Pick a Balance Transfer Card
You now understand how a balance transfer works and the ways you can maximize the benefits without falling victim to a trap. Now it’s time for us to talk about how to actually go about picking your balance transfer credit card! It starts with finding a good...
How Will a Balance Transfer Impact My Credit Score
When applying for a balance transfer credit card, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. And notice, I said “will” not “could” or “if” or “may”, because getting a new line of credit is definitely going to...
Tricks and Traps of a Balance Transfer
A balance transfer is one of the most efficient ways to slay credit card debt -- but that’s not profitable for the banks! Surprise, surprise, banks looooove when you pay oodles of money in interest. So even though banks allow you to transfer your balance and...
Latest Articles
12 Bathroom Decoration Ideas on a Budget
Your bathroom is so much more than a place to hide away your toilet. Even if you’re only in the shower for a few minutes, your brain has the rare opportunity to work without the constant input you have to deal with the rest of the day. The best approach with...
5 DIY Baby Shower Decoration Ideas on a Budget
As exciting as a new baby can be, it can also be a time of stress anxiety. That’s why baby showers are so important! Though the gifts, games, and themes can be silly, they give parents (or parents-to-be) the opportunity to be surrounded by loved ones. It’s a...
4 Ways to Decorate Your Dining Room on a Budget
When it comes to decorating, the only way you can really get it wrong is to skip it altogether. You want your home to feel like yours, and the best way to do that is to make thoughtful choices that reflect your personal style! So whether you’re starting from...
10 Tips for Home Decorating on a Budget
When you’re making plans to decorate your home, the toughest challenge is usually trying to stay within your budget. Even though you have dreams of making it look like a home straight out of an HGTV reality show episode, your bank account can’t handle the...
Online Focus Groups That’ll Pay You for Your Opinion
These tried-and-true, paid focus groups are excellent opportunities to start a side hustle with.
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