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Money Saving Tips

Tips that save you money!

Money Saving Tips

Cold Getting Too Much? Choosing a Safe and Affordable Space Heater

Posted In:  energy saving tips

space heater tipsBe Safe, Be Warm, Be Frugal

As people suffer through one of the coldest winters on record in recent years, many are seeking additional ways to heat their homes at the lowest cost. Fuel prices continue to soar and electric bills rise as family members battle over thermostats, attempting to keep the temperatures inside comfortable when the air outside is frigid. One method for keeping the temperature comfortable throughout the home is by using space heaters, but be careful to use them correctly.Read the rest...

Relax, You've Got Time - Two Great Options to Replace Windows XP

Posted In:  other

Windows XP users, you’ve known this day was coming eventually. 

You resisted Vista and Windows 7 and you were right to do so. Windows XP turned out to be a reasonably robust platform with few of the more laughable problems in the Windows history. But Microsoft really, really wants you to move to the Windows 8, make that Windows 8.1, operating system, which costs $120 - $200 depending on if you need the regular or Pro version. Then there are all the peripheral devices that may not be compatible with the new operating system. See the problem? Already there’s a fix.Read the rest...

Watch Out for this Scam - Small Charges a Big Scam

Posted In:  credit cards

Scammers try to fly under your radar by charging small amounts on your credit card.

When logging on to your credit card account, have you noticed any peculiar charges that you can't remember making? The Better Business Bureau recently released a nationwide notification about potential fraudulent activity on credit card accounts across the country. Make sure to review your bill carefully, because the charges are minimal.Read the rest...

Looking for a Cheap Way to Invest? How Does Free Sound?

Posted In:  retirement

New stock-buying options for those with just a little to invest.

Regular consumers have been cautious about investing in stocks for years. While there's a lot of money to be made, the potential comes with a great amount of risk. With the steady rise of the market after the 2008 recession, a new form of stocks have begun to take shape: Bundled stocks trading with no fees attached. Read the rest...

Power Budgeting - Use this Essential Business Principle to Save More Money in Less Time

cutting costsGet more from your money saving efforts!

Sometimes, a nifty rule-of-thumb rule can be a handy reminder to do things that are either difficult to imagine or hard to remember. Ideas like the Pareto Principle are one of those that can help break through the background noise and help you focus on saving money where it can have the greatest impact.Read the rest...

Payday Loan Scams - Don’t Become a Scam Victim!

Posted In:  mortgage

How I side stepped a debt collection scam.

I know better than to mess around with payday loans, so when I received a threatening email from a New York attorney claiming I had to pay $700 now or face $10,000 in costs and legal fees later, I knew right away something was up. What disturbed me most about this email was that it contained my personal information. It had my full name, address, date of birth, Social Security number and driver’s license number on it. After getting over the shock of a total stranger having this information about me, I realized this probably started when my credit card information was stolen two days before Christmas. Here’s my tale of what could have been woe had I not known the right steps to protect myself.Read the rest...

Cheap and Healthy Finally Go Together

chickpeas for valentines5 Chickpea Recipes to Save Money

Healthy food isn't always the most economical. These days many of us are on a budget, so we tell ourselves we can't afford to eat a diet that's good for us on a regular basis. The humble chickpea offers one solution to the dilemma of finding cheap but healthy food. And, if you look carefully, you’ll see the convenient little shape of a heart in each one. Seems like whipping up a chickpea salad is a great thing to do for your sweetheart on Valentine’s Day.Read the rest...

Obama's New MyRA Program – A Step in the Right Direction

Posted In:  retirement

MyRA will at least get more people thinking about retirement, even if it won’t really prepare them.

Saving for retirement is one of the most important things you can do to secure your financial future. Unfortunately, many Americans do not do so. One reason is that half of all workers don’t have access to traditional 401(k) retirement programs. President Barack Obama recently introduced a new program to give more people access to 401(k) programs. Called the MyRA, the new program has some shortcomings, won’t really prepare anyone for retirement, but is still a step in the right direction.Read the rest...

Would You Believe It? Tax Breaks for Pet Owners!

Posted In:  family

pet tax deductionsAmericans spend more than $45 billion each year on pet care. Cut those costs through tax breaks.

True story: One man approached Wyoming CPA Mike Lovelett for some free advice about his taxes. "I've got this problem, and I'm really starting to get nervous about it," he told Lovelett. "Several years ago, I was going to owe some tax, so I put an extra deduction on my tax return. I put my dog on as a dependent." It’s hard to believe someone would get away with such a blatant tax lie, and it’s likely this little “faux paw” (sorry, couldn’t help myself) got the man in a lot of trouble. But there are ways to deduct pet expenses on your taxes without breaking the law.Read the rest...

Rice and Beans: A Great Cheap Meal if You Do It Right

Cheap and easy meal ideas using rice and beans.

Prices across the board seem to be rising rapidly. It seems everything just keeps getting more expensive these days. It's a struggle, especially keeping up with the cost of necessities. One of the biggest things that may be cutting into your monthly finances is the cost of groceries. We all have to eat, and most of us like to eat well, with a little variety. Fortunately, you can shop frugally and to really stretch your dollar, while eating tasty and healthy foods.Read the rest...