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Erika Torres

Erika blogs at Newlyweds on a Budget, covering topics relevant to managing finances for newlyweds and young couples. She focuses on frugal living and trying to live a big life on a small budget.

College Graduates: How to Financially Survive Your 20s

How To Guide
Do whatever it takes to survive your 20s by making sacrifices today so you can live a better, more financially stable life tomorrow.
When I graduated from college, I was pretty broke. I didn’t land a $50K annual salary job straight out of college. And I didn’t understand how I had a college degree, but ended up living with my parents, working four …
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Home Swapping: 5 Things You Need to Know First

Budget Travel
Home swapping is great thing to consider if you want to go on vacation but don't have a large budget. Here's what you need to know before home swapping.
A few short months after my husband and I got married, we were drowning in debt. But, we realized we could really use a short weekend getaway to just escape the madness and financial frustration. Of course, the issue with …
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Summer Staycation: How to Save Money and Relax

Vacation
A staycation is where you enjoy the benefits your own city has to offer. It makes it easy to enjoy time off without spending a lot of money on vacation.
With summer around the corner, I’m constantly thinking of ways to enjoy a vacation without completely ruining our family budget. Why do vacations have to be so expensive? Even with the best tips on how to save money on vacation, …
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Are Daycare Costs Breaking the Family Budget?

Kids and College
Daycare costs can be prohibitive for many families. It's important to plan for these daycare costs before starting a family.
More millennials these days are choosing to not have children. There are lots of reasons why, but one of the main ones on the list is the high cost of raising kids. These financial costs are causing many to abstain from child-rearing. …
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5 TV Infomercial Products You Shouldn’t Buy

Shopping
TV infomercial products are expensive. The return process is a hassle. And there is no such thing as a 100% guarantee or risk-free trial.
In my recent adult years, I’ve become obsessed with infomercials. Every product that is featured seems like something I “have to have.” In short, TV infomercials were created for people like me: gullible suckers who believe everything they see on …
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Does Costco Really Save You Money?

Shopping
Does shopping at Costco really save you money or are you constantly overspending because of their "good deals"? Here's my opinion about Costco.
As a frugal person, I am always looking for ways to save money. I’ve seen many moms tout the benefit of having a Costco membership as a way to save when buying in bulk. But who has ever left Costco …
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3 Fast & Cheap Meals for Busy Families

Family and Kids
Coming up with fast, cheap, and easy food for busy families can be difficult, but it's not impossible. Here are 3 recipes to help.
As a working mom, I know how hard it is to plan fast and filling meals for a hungry family while trying to stay within your grocery budget. When you’re looking to save money, one of the top ways recommended …
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Dave Ramsey’s Financial Peace University: Scam?

Debt
Should you take Dave Ramsey's Financial Peace University to help get your finances in order? Find out my thoughts on the course and if it worked for us.
Back when I was working to pay off $45,000 of debt, I often heard about Dave Ramsey’s Financial Peace University. The course was hailed by everyone who took it. But enrolling in the course cost money. Plus, it seemed to …
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Tips for Planning a Europe Vacation on the Cheap

Budget Travel
It is possible to go on a Europe vacation for cheap and stick to your budget. Here are my best tips for saving on a Europe vacation.
When you find yourselves on a budget, vacations seem like one of those luxuries you’ll just never be able to afford. Vacations to far-off places like Tahiti, Thailand, or to visit hotels in Barcelona and Europe just seem out of price …
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Benefits of Roth IRAs for College Savings

Education, Family and Kids
Starting a college savings account for your kids is a great way to get them started on the right financial foot as a young adult. Here's how we're doing it.
One of the first things my husband and I thought about after we found out we were expecting, was how we were going to pay for college. Obviously, the college debt situation in the United States must be dire. First-time …
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