Blogger Profile

Lance Cothern

Blog Info

Money Manifesto
General Finance
Frugality/Saving, Earning More/Hustling
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Panama City Beach, Florida, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

Black Friday usually has great prices on a few key items every year. If I’m looking to buy a TV or other popular electronic device, chances are I’ll wait until Black Friday to make the purchase. The one major downside of Black Friday is making sure you get the deal. You usually have to line ... Read More about How I Get Black Friday Prices Early With Citi Price ...
Posted: Nov 17 2017 @ 6:00 AM
Many Americans have no clue that consumer debt is an enormous financial emergency. Consumer debt provides no value other than allowing you to consume more goods and services than you can afford. How does consumer debt work? You spend your future money today and pay it back later. The worst part is you pay other people interest when you put yourself in the horrible position of owing consumer debt. In order to live a financially ...
Posted: Nov 06 2017 @ 6:00 AM
When it comes to increases in compensation, almost everyone focuses on getting a big raise. But what if your yearly increase was more negotiable? What if you could choose benefits, such as more vacation time, over salary? Would you do it? The Plus Side Of Taking More Benefits Very few people consider negotiating benefits when it comes time to discuss your annual increase, but it is something you should seriously consider. Why? Some benefits can ...
Posted: Oct 30 2017 @ 11:11 AM
One reason we pay so much attention to our money is so we can enjoy our lives. Personally, we love to take cruises. We get to kick back, relax, let other people cook and clean up and we don’t have to plan much of anything. However, cruising changed for us significantly when our son was born last year. We still wanted to cruise, but we weren’t sure how it’d work out. Thankfully, cruising with our ...
Posted: Oct 26 2017 @ 6:00 AM
Have you ever thought about being a yard sale flipper? Yard sale flipping isn’t something I would have ever given any thought to as a side hustle or full time business. Fortunately, my friend’s parents opened my eyes. They ended up turning yard sale flipping into a full fledged business. Due to their awesome success, I thought I should share yard sale flipping with you. Who knows, maybe you can be the next person ...
Posted: Oct 23 2017 @ 6:00 AM
Eating out at restaurants is a luxury most of us indulge in quite often. My family usually eats out at least once a week. Sadly, we don’t always eat out because we want to eat out. Many times we find ourselves eating out because we forgot to take out something to prepare for dinner. We aren’t alone. It’s easy to see why dining out can start to take over a large portion of your ...
Posted: Oct 19 2017 @ 6:00 AM
Originally, I wrote this post about our plans for how getting married would change our finances. Today, I’d like to share what I originally thought would happen as I wrote a few years ago. At the end of the article, I’ll share what has really happened. Did I correctly predict our future of living with married finances? Find out below! My Original Thoughts On How Getting Married Would Change Our Finances Guess what happened while ...
Posted: Oct 16 2017 @ 6:00 AM
Welcome to the September 2017 edition of the Money Manifesto blogging income report. As with every income report, I hope to inspire you to start increasing your income while keeping myself accountable to my goals. This past year hasn’t been a breakout year for Money Manifesto, but I’m super happy with what I’ve been able to maintain. My life changed drastically when we had our son late last year. The fact that I’ve been ...
Posted: Oct 12 2017 @ 6:00 AM
Halloween is just a few weeks away. I know many people would say Halloween is their favorite holiday. While it isn’t my favorite, I get why some people love Halloween. We’re pretty simple when it comes to Halloween. We don’t have any older kids, so it isn’t a big deal yet. However, some families go all out and spend a ton of money to prepare for Halloween. According to National Retail Federation, last year ...
Posted: Oct 09 2017 @ 6:00 AM
If you’re finally getting serious about fixing your finances, you might be wondering how much money you should be spending on cars for your family. Cars are usually the second largest expense any family will have behind housing costs. But does it have to be that way? Should you be spending more on cars than everything else in your budget? While you can, and some people may choose to, you don’t have to have ...
Posted: Oct 05 2017 @ 6:00 AM


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