--- title: Smart Money Decisions description: Kornerstone Living guides you on how to make wise financial choices and how to avoid potential pitfalls in your finances, whether you are making decisions. --- - [Merchant Login](https://merchant.uownleasing.com) - [Customer Login](https://portal.kornerstoneliving.com/) [![KL Uown Logo](https://kornerstoneliving.uownleasing.com/hs-fs/hubfs/KL%20Uown%20Logo.png?width=170&height=96&name=KL%20Uown%20Logo.png "KL Uown Logo")](https://www.kornerstoneliving.com/home) - [Find a Store](https://kornerstoneliving.uownleasing.com/find-a-store) - [Solutions](https://kornerstoneliving.uownleasing.com/better-solutions) - [K-Protect](https://kornerstoneliving.uownleasing.com/kprotect) - [About](https://kornerstoneliving.uownleasing.com/about) - [Customer Portal](https://portal.kornerstoneliving.com) - [Merchant Portal](https://merchant.uownleasing.com) [![KL Uown Logo](https://kornerstoneliving.uownleasing.com/hs-fs/hubfs/KL%20Uown%20Logo.png?width=170&height=96&name=KL%20Uown%20Logo.png "KL Uown Logo")](https://www.kornerstoneliving.com/home) - [Find a Store](https://kornerstoneliving.uownleasing.com/find-a-store) - [Solutions](https://kornerstoneliving.uownleasing.com/better-solutions) - [K-Protect](https://kornerstoneliving.uownleasing.com/kprotect) - [About](https://kornerstoneliving.uownleasing.com/about) - [Customer Portal](https://portal.kornerstoneliving.com) - [Merchant Portal](https://merchant.uownleasing.com) [![KL Uown Logo](https://kornerstoneliving.uownleasing.com/hs-fs/hubfs/KL%20Uown%20Logo.png?width=200&height=96&name=KL%20Uown%20Logo.png "KL Uown Logo")](https://www.kornerstoneliving.com/home) - [Find a Store](https://kornerstoneliving.uownleasing.com/find-a-store) - [Solutions](https://kornerstoneliving.uownleasing.com/better-solutions) - [K-Protect](https://kornerstoneliving.uownleasing.com/kprotect) - [About](https://kornerstoneliving.uownleasing.com/about) - [Customer Portal](https://portal.kornerstoneliving.com) - [Merchant Portal](https://merchant.uownleasing.com) # Smart Everyday Money Decisions Kornerstone Living strives to provide straight unbiased information on everyday decisions impacting your shrinking wallet. [![Read Your Rights Articles](https://no-cache.hubspot.com/cta/default/4659227/interactive-165300514305.png)](https://kornerstoneliving.uownleasing.com/hs/cta/wi/redirect?encryptedPayload=AVxigLKGUn8MetXysOmDOuzlbiZgPaAk2hdUlrdSS11RdS77DtR26boA1RxunAEWLbQSg6Sdvesgj80PJMFSuRQBhTb%2BwFX6Cgw4LjkRD3t1tlgrQ%2BI3lj7sRnNIJ2RLL1cQaBrZiTcw9CHVTexBnBUKYrNzhDypNtEUCAtbH3tzvkFFlVxQNrYT5sJ%2B5TTDkT%2BVzZc%3D&webInteractiveContentId=165300514305&portalId=4659227) [![Kornerstone Story](https://no-cache.hubspot.com/cta/default/4659227/interactive-165300514830.png)](https://kornerstoneliving.uownleasing.com/hs/cta/wi/redirect?encryptedPayload=AVxigLIf77QF%2FmjHMnY6gkq%2FZjKZJpqz12OerubMLS4RDjEVNkYi2x9elLGyDAovJqX9ZReSIj%2FeGZZOCw%2B9jvcvjivzDXzPlNpJyI6jH5uqY2Xt0B%2BNsYKUPTtGu4VQdXXhMiR83cgFyXrkX2fkcrens%2FYsrxW7%2FfYwbyu%2BYoeNWeERx%2Fb7LZefmHrgBQ%3D%3D&webInteractiveContentId=165300514830&portalId=4659227) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(30).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/cutting-unnecessary-expenses-how-to-identify-and-minimize-wasteful-spending) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(30).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/cutting-unnecessary-expenses-how-to-identify-and-minimize-wasteful-spending) ## [Cutting Unnecessary Expenses: How to identify and minimize wasteful spending](https://kornerstoneliving.uownleasing.com/smart-money-decisions/cutting-unnecessary-expenses-how-to-identify-and-minimize-wasteful-spending) We all have them: those little expenses that slip through the cracks, the impulse buys, the... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/cutting-unnecessary-expenses-how-to-identify-and-minimize-wasteful-spending) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(28).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-50/30/20-rule-simplified-budgeting-for-financial-health) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(28).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-50/30/20-rule-simplified-budgeting-for-financial-health) ## [The 50/30/20 Rule: Simplified budgeting for financial health.](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-50/30/20-rule-simplified-budgeting-for-financial-health) Budgeting can often feel like a daunting task, filled with complex calculations and restrictions.... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-50/30/20-rule-simplified-budgeting-for-financial-health) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(26).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-credit-scores-why-they-matter-and-how-to-improve-yours) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(26).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-credit-scores-why-they-matter-and-how-to-improve-yours) ## [Understanding Credit Scores: Why they matter and how to improve yours.](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-credit-scores-why-they-matter-and-how-to-improve-yours) In today's financial world, your credit score is like a golden key. It unlocks opportunities, from... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-credit-scores-why-they-matter-and-how-to-improve-yours) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(24).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/emergency-funds-101-how-much-to-save-and-where-to-keep-it) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(24).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/emergency-funds-101-how-much-to-save-and-where-to-keep-it) ## [Emergency Funds 101: How much to save and where to keep it.](https://kornerstoneliving.uownleasing.com/smart-money-decisions/emergency-funds-101-how-much-to-save-and-where-to-keep-it) Life throws curveballs. A sudden job loss, a burst pipe, unexpected medical bills – these... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/emergency-funds-101-how-much-to-save-and-where-to-keep-it) [![Creating a Budget That Works for You: Step-by-step guide for beginners.](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(22).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/creating-a-budget-that-works-for-you) [![Creating a Budget That Works for You: Step-by-step guide for beginners.](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(22).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/creating-a-budget-that-works-for-you) ## [Creating a Budget That Works for You: Step-by-step guide for beginners.](https://kornerstoneliving.uownleasing.com/smart-money-decisions/creating-a-budget-that-works-for-you) Creating a budget can seem daunting, but it's a crucial step towards achieving your financial... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/creating-a-budget-that-works-for-you) [![](https://kornerstoneliving.uownleasing.com/hubfs/EFDD74BE-62C5-44CD-A57E-EB799C7CD1AF.png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-financial-literacy-why-it-matters-and-how-to-get-started) [![](https://kornerstoneliving.uownleasing.com/hubfs/EFDD74BE-62C5-44CD-A57E-EB799C7CD1AF.png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-financial-literacy-why-it-matters-and-how-to-get-started) ## [Understanding Financial Literacy: Why it matters and how to get started.](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-financial-literacy-why-it-matters-and-how-to-get-started) Financial literacy is the ability to understand and effectively manage your money. It encompasses a... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/understanding-financial-literacy-why-it-matters-and-how-to-get-started) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(21).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/traveling-on-a-budget) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(21).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/traveling-on-a-budget) ## [Traveling on a Budget](https://kornerstoneliving.uownleasing.com/smart-money-decisions/traveling-on-a-budget) Travel doesn’t have to be expensive to be rewarding. With a bit of planning and creativity, you can... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/traveling-on-a-budget) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(20).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-benefits-of-downsizing) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(20).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-benefits-of-downsizing) ## [The Benefits of Downsizing](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-benefits-of-downsizing) Downsizing isn’t just about reducing your living space—it’s about simplifying your life and... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/the-benefits-of-downsizing) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(19).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/minimalism-and-money-less-is-more) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(19).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/minimalism-and-money-less-is-more) ## [Minimalism and Money: Less is More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/minimalism-and-money-less-is-more) Minimalism isn’t just about decluttering your home; it’s a mindset that can transform your finances... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/minimalism-and-money-less-is-more) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(18).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/side-hustles-earning-extra-income) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(18).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/side-hustles-earning-extra-income) ## [Side Hustles: Earning Extra Income](https://kornerstoneliving.uownleasing.com/smart-money-decisions/side-hustles-earning-extra-income) With full-time jobs now becoming a thing of the past, side hustles are trendy because everybody is... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/side-hustles-earning-extra-income) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(16).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/frugal-living-maximizing-value-in-every-purchase) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(16).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/frugal-living-maximizing-value-in-every-purchase) ## [Frugal Living: Maximizing Value in Every Purchase](https://kornerstoneliving.uownleasing.com/smart-money-decisions/frugal-living-maximizing-value-in-every-purchase) Living frugally does not mean taking away from any good times and simply being cheap, it means... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/frugal-living-maximizing-value-in-every-purchase) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(17).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/living-debt-free-steps-to-financial-independence) [![](https://kornerstoneliving.uownleasing.com/hubfs/Frugal%20Living%20(17).png)](https://kornerstoneliving.uownleasing.com/smart-money-decisions/living-debt-free-steps-to-financial-independence) ## [Living Debt-Free: Steps to Financial Independence](https://kornerstoneliving.uownleasing.com/smart-money-decisions/living-debt-free-steps-to-financial-independence) Being debt-free is one of the strongest financial and emotional stepping stones available to... [Read More](https://kornerstoneliving.uownleasing.com/smart-money-decisions/living-debt-free-steps-to-financial-independence) [1](https://kornerstoneliving.uownleasing.com/smart-money-decisions) [2](https://kornerstoneliving.uownleasing.com/smart-money-decisions/page/2) [3](https://kornerstoneliving.uownleasing.com/smart-money-decisions/page/3) [4](https://kornerstoneliving.uownleasing.com/smart-money-decisions/page/4) [5](https://kornerstoneliving.uownleasing.com/smart-money-decisions/page/5) Every day, from fast food to phone plans, we are faced with variety of choices, special offers, and a lot of fine prints. It is getting harder and harder to make the right choice and avoid all of the pitfalls. Kornerstone Living strives to provide straight unbiased information on everyday decisions impacting your shrinking wallet. We are not affiliated with any of the companies or do we earn any referral fees. With the help of our writers and contributors we seek to provide relevant information to make smarter decisions and save money. We welcome your comments, corrections and new insights to share! [![Kornerstone Living - Smart Everyday Money Decisions - Housing](https://kornerstoneliving.uownleasing.com/hubfs/_KornerstoneLiving/2-4.png "Kornerstone Living - Smart Everyday Money Decisions - Housing")](https://blog.kornerstoneliving.com/smart-money-decisions/tag/housing) [![Kornerstone Living - Smart Everyday Money Decisions - Auto](https://kornerstoneliving.uownleasing.com/hubfs/_KornerstoneLiving/3-3.png "Kornerstone Living - Smart Everyday Money Decisions - Auto")](https://blog.kornerstoneliving.com/smart-money-decisions/tag/auto) [![Kornerstone Living - Smart Everyday Money Decisions - Credit](https://kornerstoneliving.uownleasing.com/hubfs/_KornerstoneLiving/5-2.png "Kornerstone Living - Smart Everyday Money Decisions - Credit")](https://blog.kornerstoneliving.com/smart-money-decisions/tag/credit) [![Kornerstone Living - Smart Everyday Money Decisions - Banking](https://kornerstoneliving.uownleasing.com/hubfs/_KornerstoneLiving/4-2.png "Kornerstone Living - Smart Everyday Money Decisions - Banking")](https://blog.kornerstoneliving.com/smart-money-decisions/tag/banking) ### Subscribe Here! 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Not available in MN, NJ, WI or WY. Merchant participating locations only. \*90-day purchase option includes a markup over Cash Price (except for 3-month purchase option in CA). While no credit score is required, Kornerstone Living obtains information from consumer reporting agencies to verify identity in connection with a lease application. Not all applicants are approved. Acquiring ownership through leasing costs more than the retailer’s cash price. See lease for details.   Copyright © Mollie, LLC, dba Uown Leasing dba Kornerstone Living 2025. All Rights Reserved. | [Privacy Policy](https://www.kornerstoneliving.com/privacy-policy)