savingtools.com - How to Save Money

Challenge mortgage closing fees...

savingtools — Sat, 22 Nov 2008 15:25:54 +0000

If you are getting ready to close on a loan for a house, keep a look out for those charges in the closing statement that are negotiable. Not all of them are, but insiders know the items that are up for haggling. Aubrey Clark points out how to save money by finding the most obvious places to negotiate. When you are working with your lender, they all use a standard form called a "good faith estimate". This form has numbered sections that correspond the various fees paid by buyers and sellers. The place to look at is the section numbered 800...Read the rest...

Electric Choice - Compare electric providers, switch, and save

savingtools — Thu, 16 Apr 2009 19:01:25 +0000

How to switch electric companies and save hundreds

Does your state allow electric choice and competition ?

First, you'll need to find out if your state allows electric companies to compete for your business.
At the time this article was written, the following states had programs that allowed consumer choice: New Jersey, Delaware, Illinois, Maine, Oregon, Texas, Arizona, Washington D.C., Maryland, New York, Pennsylvania, Massachusetts, Rhode Island, Michigan, Virginia, and New Hampshire.

Then...Read the rest...

ATM machines with no surcharge ... don't pay that ATM withdrawal fee

savingtools — Sat, 01 Nov 2008 17:41:19 +0000

A great money saving tip concerning no charge ATM withdrawals. According to Bankrate.com, banks charge non-customers an average of $1.78 who use their ATMs to withdraw money. That's in addition to the average $1.25 fee charged by the customer's own bank for going outside of the ATM network.

It adds up, as some banks even charge up to $3, and an ATM in a popular captive location like an airport might charge even more to withdraw money. Bank of America increased its surcharge in the summer of 2007 from $2 to $3 for non-BofA customers that withdraw cash from their network of ATM machines.

With a little bit of research, however, you can find ways to withdraw money from an ATM without paying that fee...Read the rest...

Find energy rebates and electric bill discounts

savingtools — Fri, 14 Nov 2008 17:44:32 +0000

Many state and local governments as well as utility companies offer incentives for energy efficiency and use of renewable or green energy sources...
In the past, the hard part has been finding these programs, as there wasn't a consolidated area with pointers to which programs were offered. North Carolina State University, together with the Interstate Renewable Energy Council and the North Carolina Solar Center, have created a huge database of incentives. This database is called "The Database of State Incentives for Renewables and Efficiency" or DSIRE.Read the rest...

Save $63 with CFL compact fluorescent bulbs

savingtools — Tue, 08 Jun 2010 17:55:43 +0000

You've seen them when you're shopping at Home Depot, but haven't picked any up yet, right ? They use 75% less energy, and throw off less heat. Each one you swap will last almost seven years, and save you $9/year. That's $63 for each one you swap out ! While we have a large number of tips for saving energy, very few are as simple as this one.
Read the rest...

Switch your home phone to VOIP, save $50 - $100 / month

savingtools — Tue, 02 Dec 2008 17:56:47 +0000

You can reduce your home phone bill, down to under $17 month, with unlimited long distance. Voice over IP, or VOIP, uses your existing internet connection for phone service instead of the phone company's old fashioned wires...Read the rest...

Don't Call 411 for directory information ... get 411 for free.

savingtools — Sat, 23 Aug 2008 22:12:47 +0000

Calling 411 from either your home phone or cell phone will hit you with additional charges from your carrier.

Charges on wireless carriers for 411 calls range from $1.49 for Verizon, up to $1.75 for ATT wireless. And your home phone charges you as well. That's per call, so those charges add up very quickly.

But, you don't have to pay those fees. There are several free 411 services out there to choose from. A few more digits to dial, but why not put one of them into a speed dial button ? Here's a summary of three of the best free 411 services:Read the rest...

Use a gas rebate credit card and save money on gasoline and more

savingtools — Fri, 03 Oct 2008 22:27:43 +0000

Many credit cards offer 3-5% rebates on gasoline purchases. If you are paying for your gas with a card anyway, signing up for a gas rebate card will put a few bucks back in your pocket...Read the rest...

Save Water with Low-Flow Shower Heads and Other Gadgets

savingtools — Wed, 21 Apr 2010 16:51:17 +0000

The average shower head uses 5 gallons of water per minute (gpm) while a low flow model will deliver 2.5 gpm or less. For an investment of around $10 -$20 you can save $50-$75 per year on your water bill and $20-$50 or more per year on heating bills ( for the hot water ), depending on your current showerhead and utility rates. Similar to the aerators you see on kitchen sink faucets, low-flow shower heads work by restricting the flow of water and mixing more air into the water stream.Here are some other sources of wasted water in your bathroom and gadgets that can help you fix them.

Read the rest...

Install a timer on electric water heaters and save money

savingtools — Fri, 22 Apr 2011 21:45:51 +0000

If you have an electric water heater, the U.S Department of Energy estimates that you can save 5-12 percent of your energy costs by installing a timer that turns it off when you aren't using hot water. At night, or while you're at work, and during your utility's peak demand times, you don't really need it running...Read the rest...

Use online bill payment and avoid those late payment fees

savingtools — Tue, 04 Nov 2008 14:39:14 +0000

If you pay 11 bills a month, that's more than $4 each month. So, not just lower bills, but easier to pay as well. More than that, you'll save the time and hassle of all the paper, and it's good for the environment. The easiest way to get online bill pay is through your bank. But, you'll want to check out their terms first. Many banks only offer bill payment for free in certain situations. It might be a good time to shop around...Read the rest...

The top two tips for saving gas that save 14 percent

savingtools — Sat, 01 Nov 2008 14:47:26 +0000

These two tips together can provide a 14% boost in your miles per gallon, effectively reducing what you pay for gas.

Low tire pressure can reduce your gas mileage by up to four percent, as well as uneven tire wear that will cost you later. Tires lose pressure over time, up to 1 psi per month, even when they are in perfect shape. Also, changes in temperature can cause a drop of 1 psi for every 10 degrees.

The right pressure for your tires can usually be found on the data plate inside the driver's door jamb.

The second tip ? ...Read the rest...

Has your cell phone contract expired ? You could get a great deal.

savingtools — Sun, 02 Nov 2008 14:51:08 +0000

Call your cell phone provider and see if your cell phone contract has expired. The recent rash of price drops for unlimited minutes means you could be paying less now...Read the rest...

Top 12 tips for better gas mileage

savingtools — Sun, 16 Nov 2008 15:24:44 +0000

The top twelve tips for better gas mileage that will help you save fuel:

Read the rest...

Find the lowest gas prices in your area

savingtools — Sun, 19 Oct 2008 15:32:46 +0000

Use a website that allows you to comparison shop for the lowest gas price in your area. It's not unusual to find that the lowest priced gas station is charging 30-40 cents than the highest. For a full tank in a typical car, that could be a difference of $6.

These sites allow you to enter your zip code, or city and state, and a maximum distance that you are willing to drive for a better deal. Then, they return a list of the lowest prices for the grade of fuel you want to purchase, with maps and directions to each gas station.

Some popular sites:Read the rest...

Stuck in a bad cell phone contract ? Negotiate !

savingtools — Fri, 31 Oct 2008 15:39:51 +0000

Just because your have another year left doesn't mean you can't lower your cell phone bill. Call your cell provider, but have the right information. Have your last 2-3 bills handy, so you know how many minutes you are using, as well as use of data or text messaging. You'll need that to research what other carriers are offering that matches your needs. And, do your homework on what they are offering new customers.Read the rest...

Save money on the air conditioning portion of your electric bill

savingtools — Sun, 17 Aug 2008 15:41:44 +0000

Air conditioning is the single biggest driver of high electric bills in warmer areas. A 2.5 ton unit uses 3500 watt hours for one hour of use. Compare that to 75 for a television, or 350 for a refrigerator with the door open.Read the rest...

Lower your electric bill ... don't overuse your pool pump

savingtools — Thu, 04 Sep 2008 15:47:32 +0000

Many people tend to overuse their pool pump. A typical 2hp pool pump uses 2000+ watts ! At 8 hours a day, that would be 477kW Hours, or roughly $50 at national average rates.

See the chart below for an estimate of how many kWh per month typical pool pumps will use, based on how many hours a day you run the pump:

Kilowatt Hours per month used by pool pumps:Read the rest...

Secret to lower bills ? Just ask.

savingtools — Mon, 07 Jun 2010 17:48:33 +0000

You can save quite a bit just by making a few phone calls and asking. A KCRA reporter was able to lower her bills by $318/year. She was able to secure better rates from her cell phone provider, local newspaper delivery, internet service, as well as her cable television bill. See the details on KCRA's website. Bob Sullivan, from MSNBC, also noted some similar success with getting credit card interest rates lowered. In his article at msnbc.com, he notes one customer was able to shave 5 percent from his bill.Read the rest...

Use the new flat-rate $4 dollar generic prescription plans

savingtools — Thu, 16 Oct 2008 16:55:21 +0000

The $4 prescription trend has exploded since it's beginnings in 2006. The trend has made a big difference for consumers that were paying top-dollar for the generic prescription drugs that made the list. Wal-Mart is famous for starting this movement, initially with a very limited list of commonly used generic medications. At the time, the four dollar cost was lower than what most people were paying as an insurance co-payment, and sometimes represented hundreds of dollars of savings per purchase for those that didn't have insurance.Read the rest...

Use your employer's flexible health care spending plan.

savingtools — Thu, 02 Oct 2008 16:56:37 +0000

Your employer may offer a flexible spending plan that allows you to put dollars in an account without the payroll taxes being deducted first. You are then reimbursed for your out-of-pocket medical expenses, such as copays, prescription drugs, dental care, etc. Because these contributions are taken out of your pay before federal and state taxes are calculated, you get to use pretax dollars to pay your medical bills.Read the rest...

Don't mind ads? Lower your phone bill with this free service

Jessica Bosari — Fri, 30 Apr 2010 17:51:23 +0000

A while back, SavingTools introduced you to talkster.com, a free service for phone calls. As the Internet continues to evolve at a blinding pace, so do Web-based services. This is the case with Talkster services, which are now offered by former competitor, Rebtel. While you will see some changes with the Rebtel service, you can still make local and international calls for free to participating countries.Read the rest...

Five Smart Ways to Reduce Prescription Drug Costs

Jessica Bosari — Wed, 28 Apr 2010 16:14:23 +0000

Risking your health to avoid high prescription costs is not smart. It may end up costing you a lot more than a bottle of pills when you land in the hospital because you failed to take prescribed medication. Luckily, there are some safe ways to cut back on prescription costs. Enlist the help of your doctor and pharmacist to help you bring down the cost of your prescriptions.

Read the rest...

Reduce the water your toilet uses

savingtools — Mon, 10 Nov 2008 17:05:22 +0000

At 100 gallons a day for a typical family of four, the toilet is probably the largest single factor for daily water use. So, finding a way to reduce the water usage of your toilet can have an immediate effect on water use.

Aside from the obvious cost benefit, it's also kind to the earth.

Most toilets will allow you to adjust the water level down a bit, saving you some money. But, if you can't find the adjustment, try the following trick:Read the rest...

Use motion sensors on light switches

savingtools — Tue, 23 Sep 2008 17:09:44 +0000

Use one of the new motion sensors on light switches and they will automatically come on as you enter the room, and turn off when you leave.

By automatically turning off the lights when nobody is in the room, manufacturers claim that an average of 128 hours of uneeded lighting is avoided reducing electricity consumption by 10%.

You can purchase motion sensing switches in our gadget store.

On the road ? Make calls with your computer instead of your cell phone

savingtools — Thu, 18 Sep 2008 17:24:35 +0000

Many hotels now offer free wifi service, so you can skip using the expensive hotel phone, and also skip using your cell phone minutes. Especially when you are out of town, or out of the country, your cell phone provider can charge roaming minutes.

So, just buy an inexpensive headset with a microphone, and use one of the following services to make calls from your computer: Read the rest...

Let your out of town friends call you for free

savingtools — Fri, 15 Aug 2008 17:27:27 +0000

Did you know that you can get a local phone number in many area codes for free ? Suppose you live in California, but have a friend in Salt Lake City, Utah. Normally, they have to make a long-distance call to reach you. With services like Google's grandcentral.com, you can get yourself a phone number in the same area code as your friend, and forward it to your home phone number. Then, your friend in Utah can dial you up with a local call. GrandCentral is also great for using as a "disposable" phone number with salespeople, purchases, etc.Read the rest...

lower your heating and air conditioning bill with incense ?

savingtools — Sun, 05 Oct 2008 17:29:04 +0000

An incense stick is a great tool to find leaks around doors and windows. Light one, and you'll notice that the smoke generally travels upward. Being careful not to burn curtains, bring the incense stick around your windows and doors. Where there's a significant leak, you'll see the smoke travelling sideways towards the leak rather than upwards.Read the rest...

save on your water bill by installing a sprinkler system rain sensor

savingtools — Sat, 02 Aug 2008 17:36:59 +0000

Installing a rain sensor in your sprinkler system will save hundreds or thousands of gallons of water when it's raining outside. For example, if your system irrigates half an acre and is set to apply half an inch of water per cycle, you are using over 6000 gallons each cycle...Read the rest...

Get assistance with your heating bill if you need it

savingtools — Sun, 02 Nov 2008 17:41:20 +0000

There is a federal program available for low income families and elderly called LIHEAP. LIHEAP stands for Low Income Home Energy Assistance Program. To find out if you qualify, call the National Energy Assistance Referral (NEAR) project at 1-866-674-6327. You can also see more detail about the program on the U.S. Department of Health's Website If you do not meet the qualifications for LIHEAP,Read the rest...

check your cell phone's voicemail from a landline

savingtools — Sun, 12 Oct 2008 17:52:18 +0000

Did you know you can check your cell phone's voicemail from your home phone or another land line ? Just call your cell phone number, and when the voice mail picks up, press the star key (*). It will then prompt you for your password, and let you check your voice mail just like you are on the cell phone. If you spend a lot of time with voice mail, this could save you enough minutes to fit back in your plan.Read the rest...

save your rain water for plants

savingtools — Fri, 28 May 2010 01:05:24 +0000

Saving water is important, especially in warmer months. Rather than facing a fine during water bans or ratchet up your water bill, you can find ways to re-use water around the house for watering plants and gardens. Here are some handy ideas for catching wasted water and using it for other purposes. Read the rest...

a simple way to check for water leaks and save money

savingtools — Tue, 11 Nov 2008 17:59:57 +0000

Turn off all the water in your house, and then locate your main water meter. Most water meters are in the front yard, under either a rectangular plastic cover, or a round iron cover. Most water meters will have a small red triangle, called a flow indicator. It shouldn't be moving. If it is, go back in the house, and turn off the water supply on your toilets and sinks one at a time, until the triangle quits moving.Read the rest...

don't wash your car at home ... take it to a car wash

savingtools — Sun, 06 Jun 2010 03:52:13 +0000

You may feel like you are saving money, or being frugal when you wash your own car at home. As it turns out, it's quite expensive, both in terms of your water bill, and the impact on the environment. Professional car washes recycle the water they use, with sophisticated systems (even when the guy manning the place doesn't seem so sophisticated). Water is filtered and reused, saving about 100 gallons.

Read the rest...

Save on your electric bill by cleaning your AC condensor unit

savingtools — Tue, 14 Oct 2008 20:41:11 +0000

The outside unit of your air conditioner is a big heat exchanger. The fan inside of it is designed to pull air from the ground up through the coils and fins that are in the four sides of the unit. When those coils and fins are clogged up with mowed grass, dust, anthills, etc, they don't work that well. It can consume 10 percent more energy than it needs to. A pro will charge a little over $100 to do this job, but you can save a bit by doing it yourself...Read the rest...

Lower your cable tv bill with a polite phone call

savingtools — Fri, 08 Aug 2008 20:46:03 +0000

Cable operators are feeling the pressure from satellite companies, and you may be able to lower your cable tv bill with one simple phone call.

Check out what the current costs for satellite service are by checking out directv.com and dishnetwork.com .

Then, try the following call with your cable provider:Read the rest...

Is your air conditioner or heating unit blowing into the attic ?

savingtools — Fri, 15 Aug 2008 20:50:57 +0000

Many homes have developed leaks in the ductwork, causing your heated or cooled air to blow into the attic. Duct leakage can be as high as 25 percent, without any obvious signs. Ducts either come loose and separate at connection points, or they can develop holes and leaks in the seam areas. Read the rest...

Reduce Your Cell Phone Bill Minutes With Wi-fi Calling

savingtools — Wed, 05 May 2010 19:55:46 +0000

TMobile has introduced new cell phones that can use your home's wireless internet connection to make and receive calls. The technology is called UMA, or unlicensed mobile access. It does cost an extra $10 a month, but you might be surprised to know that they don't count those minutes against your plan. So, depending on how often you use your phone at home, you can move to a lower cost plan and save way more than the $10 charge.Read the rest...

insurance money saving tip - raise your deductible

savingtools — Sun, 16 Nov 2008 21:07:07 +0000

Many people are afraid of a higher deductible because they don't want to pay a big sum if something happens. Did you know, however, that you can lower your insurance bill up to 25% by moving your deductible up to $1000 ? For many people, that would allow them to put the cost savings in the bank to cover the risk of the increased deductible, essentially allowing this tip to pay for itself in the first year or two. Anything you save after that is money you can spend. Using this chart with ficticious numbers an an example...Read the rest...

electric money saving tip: upgrade your nightlights

savingtools — Wed, 08 Oct 2008 21:12:24 +0000

Have you seen the newer nightlights that look like a glowing blue square ? Unlike old nightlights that use 7 watts or so, these new lights use about a tenth of a watt, and cost just pennies a year. They are also relatively inexpensive at under $10 each, and are cool to the touch, so no safety issues to be concerned about...Read the rest...

compare pre-paid mobile cell phone plans before you buy

savingtools — Thu, 09 Oct 2008 21:14:13 +0000

The market for pre-paid cell phones is very crowded, and the various companies that sell them are taking advantage of the confusion that creates.

For example, if you compare just on the cost per minute, you could end up making a mistake. Some providers charge an additional dollar per day over and above the per minute charge. With such a variety of carriers, like T-Mobile, ATT Go Phones, Net10, Tracfone, Virgin, etc, it's also even hard to tell who offers service in your area....Read the rest...

Save Money with Kids Clothes That Don't Wear Out...Ever!

Jessica Bosari — Tue, 04 May 2010 14:55:50 +0000

Wouldn't it be nice if you could be sure that the pair of sneakers you buy your eight year old would still be intact when it came time to buy a bigger size? Well, now you can, at least until your child nears pre-teen. Sears has a program that few know about, even though it has been around for a while. It's the KidVantage program. It's easy to enroll and can save you 15% on clothes and offers replacements if the clothes wear out before your child needs the next size.Read the rest...

Can You save on Cooling Costs with a Lighter Color or White Roof ?

Jessica Bosari — Thu, 13 May 2010 14:11:20 +0000

Short answer: Absolutely. Danny Parker, a senior scientist at the Florida Solar Energy Center in Cape Canaveral, conducted a variety of tests on homes in Florida over a period of several years. In the experiments, he noted a reduction in roof temperature of more than 50 degrees. The savings on energy costs varied from 10 percent to 40 percent. And...all this research is from the late 1990's, but more recent studies confirm the findings as well. So much so that the U.S. Secretary of Energy, Steven Chu, asked Americans to replace roofs with white materials or at least paint their roofs white. Read the rest...

Cooling Paint: Reduce your heating and cooling bills

savingtools — Fri, 07 Nov 2008 21:19:18 +0000

Choosing the right color for your exterior walls plays a big role in your energy-saving strategy. There's a significant difference in the "reflectance" between dark paints and light paints. It's this reflectance that causes the paint to either absorb and hold heat, or to reflect and dissipate the heat.

Darker Paints to retain heat from the sun...Read the rest...

Save 10 Percent on Your Heating and Cooling Bills With a Programmable Thermostat

Jessica Bosari — Tue, 18 May 2010 00:17:20 +0000

According to the U.S. Department of Energy, turning your thermostat back for eight hours a day will save you as much as 10 percent a year in heating and cooling costs. See the DOE website for more details. Since a good entry level programmable thermostat costs only around $25 or so, that means it could pay for itself in the first month you own it.Read the rest...

Sign of the Times - Interest Free Purchases Not as Great as They Once Were...

Jessica Bosari — Tue, 18 May 2010 22:09:48 +0000

Back in October 2008, one SavingTools writer had a great idea: Get free money by using interest free offers on major purchases and investing the cost of the purchase in a CD. At that time, it was common for furniture stores, home improvements stores, and electronic stores to offer big ticket items like couches, plasma televisions, and appliances on a 12 month, no interest plan. The economy was slouching and they had to do something to pull in consumers.

Back then, the 4.8% 12-month CD rate meant you could take the money you were going to spend, and put it into a CD, and pocket the interest earnings. A $5,000 purchase would net you $209.72 worth of interest. It just goes to how you how much things have changed...Read the rest...

Save money...don't buy crutches or braces from the hospital

savingtools — Sun, 07 Sep 2008 21:22:25 +0000

Hospitals will make money any way they can, and items that you need when leaving are a prime target for them. For items like crutches, braces, etc, you are much better off getting them on your own.

Best bets are a local independently owned drugstore, or a medical supply store. Some will even rent items like crutches, which can save you money if you only need them for a week or two.

If you happen to be on Medicare, they will cover crutches in most situations. Their rules for crutches:Read the rest...

Don't need the emergency room ? Save money with an urgent care center

savingtools — Fri, 19 Sep 2008 21:23:03 +0000

If you find yourself with a medical issue that needs immediate attention, but isn't a real medical emergency, you have options.

Urgent care centers are almost always lower cost than the emergency room, even when you do have insurance. Typical copay amounts for an emergency room vary from $75 to $300. The urgent care co-pay is much smaller, from $25-$75.

Plus, many urgent care centers allow conveniences like online check-in. You submit all your information to a website, and they'll call you at home when it's time to drive in. No waiting in the lobby for hours.Read the rest...

At risk of home foreclosure ? Get the right kind of help.

savingtools — Fri, 28 May 2010 21:59:04 +0000

Unfortunately, foreclosures are continuing to plague the market. Today, home of borrowers who had secure, fixed rate 30-year mortgages are even in danger because of job loss and rising expenses. If you are having debt problems, and are at risk of home foreclosure, turn to the right kind of help. Unfortunately, there are a lot of places out there claiming they want to help you that aren't sincere.

What many "foreclosure rescue" professionals are really after is a bargain basement price on your home. You may see ads presented to look like real news reports saying the government has implemented plans to help you. They use such veiled half truths and sometimes, outright lies, to sell you on services that promise quick relief. Their main goal is to make a quick buck via the fees or mortgage payments they collect from you, and they may not not pass these fees on to the lender. Even worse, there are some scams, where they can assume ownership of your home by deceiving you.

So, what to do then? How can you make sure you're getting the right kind of help?Read the rest...

Save on your appliances

savingtools — Mon, 28 Jul 2008 21:26:25 +0000

First, if you need a new appliance, try to purchase during the month of May. Retail stores tend to discount appliances for Mother's day and Memorial day. Also, many states offer a "tax holiday" during this time.

Don't forget to negotiate. These big ticket items are sold on commission, and the salespeople have the ability to make you a deal. Leverage price matching offers where the store will meet or beat advertised specials from their competitors.Read the rest...

Save money on your next household move

savingtools — Sun, 12 Oct 2008 21:33:56 +0000

Saving money on your next move

This article by Ricardo Gonzalez from uShip.com

Ricardo Gonzalez is a content writer for uShip.com, a very successful online business that aims to change the experience of moving by letting various suppliers bid for your business. Ricardo contacted us to share some ideas on how to save money on your move.

Making a big move can seem like a daunting task. Whether you are moving across town or across the country, it's expensive and time consuming. There are many ways to make small savings that add up, and a few ways you can save big.

If your moving schedule is flexible, you have a great opportunity to save a lot of money, in some cases up to 75% or so. Transporters, especially smaller owner operated ones, often have to deal with half-empty trailers (less-than-truckload) and "empty miles" where they drive long distances with nothing to haul...Read the rest...

Store brand diapers ...cheaper than name brand, but are they good ?

savingtools — Thu, 28 Aug 2008 06:00:00 +0000

You can save quite a bit of money by purchasing certain store brands of diapers instead of buying a brand name like Huggies, Pampers or Luvs.

Target brand diapers worked very well for us, and we weren't able to tell the difference between them and the more expensive Huggies brand.

Check out this comparison chart:

Brand     Count   Price  Price per diaper

Pampers      88  $19.00  22.7 cents
Huggies     112  $16.99  15.1 cents
Target      112  $10.59   9.4 cents

Of course, the quality does vary, so you may have to try a few brands first.

Combine your auto and home policies and save

savingtools — Thu, 27 Nov 2008 01:48:16 +0000

Many people still maintain insurance with separate companies for their auto and home. Negotiating each of them separately may seem like a good deal, but the insurance companies offer significant discounts when you combine more than policy with them.

A 10% discount is fairly common, and makes it fairly unlikely that you'll be able to get a better price negotiating them separately.

As an added bonus, your billing will get simplified, and your insurance company can usually align the policy expiration dates as well.

14 tips to improve your FICO credit score

savingtools — Tue, 14 Oct 2008 06:00:00 +0000

Trying to raise your FICO credit score is like getting into good physical shape...it takes a bit of time and you won't see results immediately. But, a bit of time and work will pay off.

An excellent FICO credit score will allow you to get the lowest interest rates on loans of all types, including auto loans and mortages. And, likewise, a poor or low FICO credit score can cause you to either pay a high interest rate, or maybe not even qualify for a loan at all.

While there's no quick fix to raise your score, there are steps you can take that will improve your FICO score...we've listed 14 of the top tips here, in several categories:Read the rest...

Top Ways to Improve your FICO credit Score: 14 Tips

Find all the insurance policy discounts that are available to you

savingtools — Wed, 01 Oct 2008 06:00:00 +0000

When comparison shopping, many consumers are not aware of all discounts that are available to them. Not all insurance companies offer every type of discount, but it does pay to ask them about any that could apply to you.

Be sure to ask about discounts for the following items when you are comparison shopping:Read the rest...

Higher than Average Deductible
Multi Vehicle ( more than one car )
Anti-Theft Devices
No Accidents in 3 Years
No Moving Violations / Traffic Tickets in 3 Years
Student Driver Training Courses

Top 6 tips on getting the right homeowner's insurance coverage.

savingtools — Thu, 27 Nov 2008 14:08:14 +0000

In the market for home insurance, or considering switching your home coverage to another provider? Here's six great tips to make sure you are asking for the right amount of coverage. Too much will cost you in policy payments, and too little may cost you later if you need to make a claim.Read the rest...

7 great tips for saving on car rentals

Jessica Bosari — Mon, 03 May 2010 13:28:57 +0000

Whether you are planning to go on vacation or traveling for another reason, you probably want to rent a car for the convenience and privacy it offers, as opposed to public transportation. You'll get the most value for your rental car by using discounts and promotional codes, and by making some smart choices. Here are seven ways you can save on your next rental car.Read the rest...

Find hotels that offer free breakfast

savingtools — Sat, 01 Nov 2008 06:00:00 +0000

When you are deciding which hotel to stay at, the rate doesn't always tell the whole story. Especially if you are traveling with a family. Breakfast for four can easily cost $30 or more, even at a reasonable chain like like Denny's. Many hotels offer breakfast buffets for free, which could change your mind about booking a room that's a few dollars cheaper.Read the rest...

Did your credit card company raise your interest rate ? Opt Out !

savingtools — Sat, 13 Dec 2008 23:13:12 +0000

Credit card companies raising rates...

In these tough economic times, the big credit card issuers like Bank of America, HSBC, Chase, Citi, Capital One, and Discover, are all under tremendous pressure to bring in new revenue, and one of the ways they are doing that is to increase interest rates for their existing customers.

If your credit card company chooses to increase your interest rate, they do provide you a period during which you can reject the higher interest rate. If you do choose to opt out, they will probably close the account, but you will be able to repay the remaining balance at the existing interest rate. You do have to act quickly, as the opt-out period is quite short...Read the rest...

Credit Card Interest rates matter ! Comparison Chart.

savingtools — Sat, 29 Nov 2008 23:47:26 +0000

Any of the following happening soon ? If so, you may have an opportunity to save quite a bit of money on credit card interest rates.

Are you applying for a new credit card ?
Considering doing a balance transfer from one card to another?
Received a notice from your bank that your credit card interest rate is increasing ?
Trying to negotiate a lower rate with your credit card provider?

In any of those situations, it's important to know what the different rates mean. Even a relatively small difference in interest rates adds up to hundreds of dollars in interest per year. See the chart below for a rough estimate of what you'll pay in a year's period in interest, on a variety of balances ranging from $1,000 to $10,000:Read the rest...

compare VOIP internet phone service plans before you buy

savingtools — Wed, 01 Oct 2008 02:20:24 +0000

Since VOIP is a very competative industry, prices vary wildy. Now the bigger cable tv and internet providers have joined in and are touting their $30+ dollar/month unlimited plans, while others are offering very similar plans for around $17/month ( $199/year ).

It can be tempting to just take use the internet phone service that your cable or internet provider is offering, but they aren't competing well on price or service. The smaller VOIP-only players offer features like selective call blocking, simultaneous ring to your cell phone, and web-based voicemail...and not all the big players do.

And, be sure to think through your options before you buy, as prices for add on functionality, like a second phone line, or internet faxes, vary.

Take a look at the chart below for a comparison of the larger, as well as smaller players that provide internet phone serviceRead the rest...

Save money on high chairs, strollers, bouncers, baby monitors and more

savingtools — Sat, 30 Aug 2008 06:00:00 +0000

Consignment stores that specialize in gently used items for babies tend to be very picky about the items they will accept, so they are a great place to find items like baby clothes, cribs, high chairs, strollers, bouncers, and baby monitors, and more. And, if you can't find a consignment store in your area, there's some great internet resources as well. Do see our special note at the bottom of this article about safety.

There's at least one national chain with local stores:

Once Upon a Child

Also check your yellow pages for local consignment and second-hand stores.

Additonally, there are some great internet resources to check ...Read the rest...

Use 529 savings plans to help with kids college costs.

Jessica Bosari — Thu, 29 Apr 2010 10:49:30 +0000

If you are in a position to put aside money for your children's education, one option you should look into is a 529 plan, an investment vehicle with tax advantages that are designed to save for your children's future college needs.

A 529 plan has benefits like reduced state and federal taxes, scholarship or grant opportunities and, most importantly, is exempt from state financial aid calculations. Read the rest...

Start saving for your child's education by buying groceries and dining out ?

savingtools — Sat, 01 Nov 2008 12:39:40 +0000

Okay, sounds funny, right? Saving money for college by purchasing groceries, dining out, shopping at department stores? Does sound funny, but it's true. There's a free service called Upromise that will save a portion of the money (up to 8%) you spend on these things aside for you. They have a ton of partners, including:

600 online stores ( target.com, apple.com, sears.com, homedepot.com, etc)
8000+ restaurants ( fast food to five star restaurants )
21,000+ grocery and drugstores

How It Works:Read the rest...

10 ways to save energy while doing laundry

savingtools — Sat, 04 Oct 2008 15:33:36 +0000

Looking to save money when doing your laundry, or perhaps contribute to a greener planet? We've compiled a great list of the top 10 ways to save money, and energy while doing your laundry...Read the rest...

Send faxes for free using your web browser.

savingtools — Mon, 08 Sep 2008 06:00:00 +0000

If you need to send a fax, there are several ways to do it for free, and avoid the per-page charges and inconvenience of having to drive to a mail and copy center.

There are some limitations, but the following options do work well, and the price is right...Read the rest...

State-mandated auto insurance discounts for mature drivers

savingtools — Thu, 16 Apr 2009 09:00:00 +0000

This is a little known secret that can save those of you older than 55 up to 10% on your auto insurance premiums.

Thirty-five states, plus the District of Columbia have regulations that require insurance providers to offer a specific discount to drivers over 55 that have taken a safe driving course.

How much does the mature driver discount save me?Read the rest...

Save on Your Auto Insurance by Skipping Options You Don't Need

savingtools — Fri, 07 May 2010 18:22:46 +0000

No one is more irritated by a high car insurance bill than a safe driver. You drive the speed limit, always obey traffic rules and have never been in an accident, but you still have to look that big bill in the face every month. Even the best drivers can find ways to save even more on their car insurance, on top of discounts for being a good driver. By planning a head and using your savings wisely, you can save a bundle on that annoying bill. Here's how.

Read the rest...

Stop Those Pre-approved Credit Card Offers...Opt Out!

savingtools — Tue, 27 Apr 2010 10:44:29 +0000

Did you know that you can opt out of those "pre approved" credit card offers that fill up your mailbox ? Under the Fair Credit Reporting Act (FCRA), Equifax, Experian, Innovis, and TransUnion are all required to give consumers a way to opt out of these types of mailings that they call "firm offers". This is because the law also allows the companies to include you name on lists that creditors and insurers use to make firm offers that you do not initiate. So in exchange for being allowed to make offers without your consent, the credit card companies have to give you a way to opt out. Read the rest...

Top 10 most, and least expensive cars to insure for 2008

savingtools — Thu, 06 Nov 2008 04:46:07 +0000

Each year, Insure.com releases it's list of the top ten most expensive, and the top ten least expensive cars to insure. Insurers use a variety of data to decide on rates for cars, including the overall value, attractiveness to thieves and vandals, popularity with fast drivers, and overall safety.

So, being on the list of most expensive cars to insure doesn't necessarily mean the car is unsafe, but it does mean it will cost you quite a bit.

It's certainly a chance to save a little money when you are picking a vehicle to purchase. You'll notice, for example, a difference of over $200 in insurance costs between two popular makes of full size pickup trucks.

Here's their list for 2008:Read the rest...

Search smarter at craigslist.com and save money

savingtools — Sat, 30 Aug 2008 06:00:00 +0000

Craigslist.com is a person-to-person classified ad service, with city-specific websites for most large cities in the U.S. There's a ton of great bargains to be had there, but many people have trouble locating the item they are looking for. And, they aren't aware that craigslists' search facility is a little more full-featured than it appears. Here's a few helpful tips that will help you find what you are looking for:Read the rest...

Completely free conference calling, really.

Jessica Bosari — Mon, 10 May 2010 10:00:43 +0000

Yep. Conference calling for free...iotum, a communications company, recently launched a new service called calliflower. If you've used a business-oriented conference bridge before, it has all of those features, but it's even a bit more than that.

From their web-based dashboard,you can create calls and invite participants as well as manage and record the call. It also provides you and the other callers with a visual information about the call and the people on it. If you have documents related to the call, you can upload those into the interface to share them with everyone...Read the rest...

Save 8 to 26 percent on small business FedEx shipping

savingtools — Wed, 01 Oct 2008 06:00:00 +0000

If you have been doing the shipping for your small business at a local pack and mail service, or at a FedEx store, you can save quite a bit by going direct, and adding a special discount available to certain credit card holders...Read the rest...

Prepay your loan interest and save thousands on debt

savingtools — Sat, 20 Dec 2008 02:20:13 +0000

Choosing to pay even a little extra on your loans can save you thousands of dollars. This strategy works the same for mortgages, student loans, auto loans, or really any loan that allows you to prepay interest.

For example, suppose you had a $10,000 student loan, at an interest rate of 7%, and a repayment period of 10 years. If your first payment on that loan was January 1st, 2009, you would continue paying through January of 2019...your monthly payment would be around $116, and at the end, you would have paid $3933 in interest charges...Read the rest...

How to avoid paying PMI ( Private Mortgage Insurance )

savingtools — Sat, 20 Dec 2008 03:07:55 +0000

Private mortgage insurance is usually required by your lender if your mortgage amount totals more than 80 percent of the fair market value (FMV) of your home.

The simplest solution is to pay 20% down, right? Well, it is a simple answer, but often an unreasonable one for the average homebuyer. However, there other options available to you. One common option is an "80-10-10" loan, available from some lenders. Lenders are open to this because they don't profit much from the PMI payment, they only use the dollars to protect themselves from the risk of you defaulting.Read the rest...

Free money for bills ?

savingtools — Sun, 28 Mar 2010 16:53:28 +0000

Searching for Free money for bills or Free money to pay bills? There is a little truth behind websites and tv commercials that pitch the idea of Government Grants providing money, but it's not as great as they make it out to be, and there's no need to buy anything to find it.

Information on government grants or other sources of money is pretty readily accessible. If you found this article by searching Google, you are probably hoping to hear the pitch from a gentleman named Matthew Lesko. He's famous for selling a book titled "Free Money to Pay Your Bills", where he claims that there are "billions in hidden dollars" to be found.Read the rest...

Free web presentation service, similar to WebEx

savingtools — Fri, 12 Dec 2008 15:00:20 +0000

WebEx™ is a great service, and you've probably either hosted a session with it yourself, or used it as a meeting participant. However, even the lowest cost plans are $39 to $59 monthly, or 33 cents a minute per meeting participant. The most common use of this kind of software is to share a presentation with a number of remote participants, with the meeting leader controlling the presentation.Read the rest...

Tips on Buying a Computer on a Budget...

Tue, 02 Dec 2008 23:51:41 +0000

While computers are great pieces of technology to have, they can be expensive to purchase. By looking in the right places or catching great after-holiday sales, you can find an affordable computer without too much trouble. When your family needs a computer for school or work, and your budget is fixed, it can be hard trying to figure out how to come up with the funding for one. There are ways to get the computer that you need without spending a lot of money. You just have to know where and when to shop, to get the deal(s) that you are looking for.Read the rest...

How to Apply for the Illinois Link Card and Get Assistance with Food

Mon, 01 Dec 2008 09:35:46 +0000

The Illinois LINK card provides lower income families, single mothers, and the unemployed with assitance for food purchases. The LINK card is an EBT, or Electronic Benefits Transfer card. It's basically the electronic replacement for the paper-based food stamps program. The LINK card works just like a debit card and can be used at most grocery stores to buy food. Each household is given a set amount that is deposited onto their LINK card each month to help purchase food for their family. Read the rest...

How to apply for the Lone Star Card in Texas for Food Assistance

savingtools — Wed, 03 Dec 2008 07:00:00 +0000

The Lone Star Card in Texas is used for two programs: Food Stamps, as well as the Temporary Aid to Needy Families (TANF) program. Families that qualify can apply for and receive a card in conjunction with either of these programs. To obtain and use the Lone Star Card, follow these steps:Read the rest...

How to apply for the EBT card in New York for Food Benefits

savingtools — Mon, 01 Dec 2008 20:46:51 +0000

The EBT card in New York is used for it's Food Stamp Program. It's an electronic card that functions much like a credit card to allow you to make purchases of food and other qualifying items. To obtain and use the New York EBT card, follow these steps: Contact your local New York Social Services Office to obtain an application for food stamp services and the EBT card.Read the rest...

Managing a Household Budget on Low Income

Mon, 01 Dec 2008 06:00:39 +0000

Living on a limited amount of money each week for your family can be difficult. Add in a failing economy or a jobs shortage and it becomes doubly so. Trying to decide how to get your family by on a limited budget isn't easy. While life can present these hardships to you, do be aware that there are help and resources available to you. These resources can either heRead the rest...

Apply for Federal Weatherization Program and Save Money on your Utility Bills

Tue, 18 Nov 2008 06:30:33 +0000

If you are a low income family or individual and you qualify under the state guidelines, you can apply for the weatherization program. Once you have been approved, you can get improvements to your home that will weatherize it to cut down the costs of your heating bills. Contractors can fix or replace old and broken furnaces, repair or put in new windows, add insulation, caulking, and more.

Update: President Obama's stimulus program, now passed by Congress, is set to pump an additional $5 billion into this program. That can mean up to ten times more spent this year versus in year's past, especially in the colder weather states like Oregon, New York, Michigan, Minnesota, New Jersey, etc. Minnesota, for example, usually weatherizes about 3500 homes each year, and with the additional funding could raise that to almost 35,000.Read the rest...

Discount Movie Tickets from AAA, Angie's List, and Costco

savingtools — Wed, 12 May 2010 11:37:00 +0000

Movie tickets are quite expensive these days, with average prices going from $4.33 in 1990 all the way up to an estimated $7.89 at this point in 2011. And, that's the just the average, including matinee pricing and discount theatres. It's not unusual to see movie tickets that cost $10-$14 or even more. With that in mind, we've gathered several options to reduce the cost of seeing a movie in this article.

Many people are opting to watch movies on DVD at home, or just go see older movies at a discount theater. However, you don't need to go to those extremes. The movie experience just isn't the same at home, and dollar theaters don't have the latest movies.

If you want to see a first-run movie, at the theater, there are several options to purchase them at a significant discount. Be sure to check out the newer resources at the bottom, or share a comment if you know of a great discount we're missing.Read the rest...

Small Changes Around the House Add up to Dollars in the Bank

savingtools — Fri, 19 Dec 2008 23:33:53 +0000

This guest article from Kim Danger

Kim Danger is a nationally recognized savings expert and the founder of mommysavers.com. She has teamed up with Uniroyal Tire for the “More Mileage for Your Money” campaign to release free eBooks and videos for the budget-savvy. Her tips can be found at uniroyal.com's moremileageforyourmoney section. Her new eBook is slated for release in January 2009, and it focuses on getting your finances in order for the new year.

It takes a surprising amount of time, energy and money to run a household. With everything there is to do, we can sometimes overlook quick, easy steps that can trim the fat off of our budgets. The following tips are some of my favorites because of how little energy they require. I hope you have as much luck with them as I have!Read the rest...

How to save money on groceries - Top 6 Tips

savingtools — Sun, 14 Dec 2008 15:01:44 +0000

How to save money on groceries. A little tired of your grocery bills this year? No surprise, as according to the FDA, the jump in prices from 2007 to 2008 was the biggest in some time, at over 10%. In fact, the average cost of food, using a moderate plan, has risen from $163/week for a family of four in 2000, to $225/week in 2008! Don't despair though, as we have some great tips to help get those costs under control:Read the rest...

New Year's Resolutions that save money.

savingtools — Wed, 24 Dec 2008 19:02:43 +0000

With the new year fast approaching, you are probably thinking about your resolutions already. You may also be thinking about the economy, and it's effects on you in the new year. So, why not focus on resolutions that aren't just good ideas, but will also save you money? Here's our top ten money-saving resolutions for the New Year.:Read the rest...

A Trip To The Thrift Store Could Make Your Attic Worth Thousands!

savingtools — Sat, 15 Nov 2008 06:00:00 +0000

In almost every town across the country we have thrift stores. These are basically second hand shops full of clothes, electronics and all sorts of other brick & brack that others have now considered useless. While they say, “one man’s junk is another man’s treasure", there is a lot more then you think at the local thrift store. The thrift store is actually packed with money saving solutions for you and your family.

Before we even start to talk about the great finds in the thrift and second hand shops, let’s first talk about spending habits of most consumers. Consumers these days are often targeted by large groups of marketing teams whose sole purpose is to make you believe you need their product and they will use any and all means to do so. Did you ever notice that jingle or song from the commercial of the product you just saw or heard on TV? Sure you have, that's the results of the marketing teams hard work, but let's get back to the overspending and impulsive part...Read the rest...

Save Hundreds of Dollars on Your Grocery Bills

savingtools — Sun, 30 Nov 2008 06:00:00 +0000

Prices of everything these days are going up and more people are trying to save money the best way that they can. They may carpool with coworkers to save gas money or they may eat off the dollar menus when they go out to eat. This is a problem that affects everyone from all over the world. We stress about how we are going to pay our heating bills and our mortgages but do we really think about saving money when we grocery shop?Read the rest...

Free Student Loans for Low Income

Sun, 28 Dec 2008 18:07:45 +0000

Your level of income should not prevent you from getting the education that you desire. Fortunately, free student loans are available to needy students throughout the United States. Most schools offer some type of government financial-assistance program so their students can afford an education. There are several government programs you can apply to to help supplement the cost of your college education.

Free student loans enable students with low incomes to pay for the cost of their college education. These loans are provided by the government and are based on the student's income. Interested parties must apply through their designated college or via the Internet.
............................................................Read the rest...

How to Save Gas Money for Work Travel

Sun, 28 Dec 2008 18:13:32 +0000

The commute to work can get expensive if you are on a tight budget. The price of gas jumps up and down many times throughout the year, and those of you who travel to work must adjust accordingly. There are several different ways you can save money for the cost of work travel.

Read the rest...

Applying for a Medical Card...Who can apply...and how...

Sun, 28 Dec 2008 18:36:08 +0000

The medical card enables low-income or zero-income families to receive the health care they need through government programs. Each region has different income qualifications, but the card does enable recipients to get the health care necessary for day-to-day life.
A medical card provides a variety of benefits for low-income families. The medical card provides health care and prescriptions either at no cost or wither very low per-visit copayments.Read the rest...

Tips on Buy Furniture on a Low Budget

Sun, 28 Dec 2008 18:45:04 +0000

Shop in used furniture shops. Used furniture shops often monitor the types of furniture they bring in and carefully inspect it before putting it up for sale. Prices of furniture at used shops often are marked down almost half of what they were when they were new. Sometimes the blankets or comforters come along with bedding furniture as well.
Read the rest...

Exchange Christmas Gifts on a Low Budget

Sun, 28 Dec 2008 18:51:45 +0000

If your family has found itself in a bind due to the failing economy (or just a tight budget), you're probably wondering how you're going to participate in any kind of gift exchange this year. Yet there are still ways to exchange gifts on Christmas, even when funds are low. You can still enjoy the fun of giving, whether or not your family has cash on hand for the holiday Season.

Read the rest...

How to Plan a Family Christmas Party on a Budget- tips also great for other parties too!

Sun, 28 Dec 2008 18:58:30 +0000

Spending time with your family during the holiday is one of the best ways to celebrate. While times are tough with the high cost of fuel and food, money could be tighter during the holiday season. When everybody in the family can contribute together, it makes the cost of a Christmas party more affordable. A family should be able to take time and enjoy the holidays together without worrying about the price that their wallet is paying.

*Some of these tips also can be put into effect for throwing other low budget parties as well...

Read the rest...

Ways to save money...10 fresh ideas.

savingtools — Sun, 28 Dec 2008 22:59:37 +0000

It's been several tough years in a row for many people, with shrinking 401k's, the subprime mortgage crisis, and layoffs. The rough economy found a way to affect almost all of us, and we could all use a little relief. Finding new ways to save money can help take a bit of the sting of your current financial situation, and put things in a new light.

With that in mind, here's our list of 10 ways to save money in 2011:Read the rest...

Don’t Forget about Your Credit Health In 2009

savingtools — Wed, 07 Jan 2009 03:06:02 +0000

We tend to make New Year’s Resolutions to get fit or get out of debt, but few of us make a conscious decision to improve our credit.

This guest post by Kenneth Lin, CEO and Founder of Credit Karma

Jeff Strain from TheStreet.com estimates that poor credit could cost a consumer over $1 million dollars in extra interest and fees over their lifetime, so shouldn’t this be at the top of your New Year’s list? Improving your credit will take time so a now is the perfect time to get started.

Here are some tips for a better 2009...Read the rest...

How to apply for the Florida EBT card for SNAP or ACCESS Florida low-income benefits

savingtools — Thu, 01 Jan 2009 04:57:18 +0000

The EBT card in Florida, also known as the Access Florida Card is used for two programs: Florida Food Stamps, as well as the temporary cash assistance program. Families that qualify under the income guidelines can apply for and receive these cards in either of these programs. Note that the Food Stamp Program has changed it's name to the Supplemental Nutritional Assistance Program (SNAP) effective October 2008. The food stamp and other assistance programs are also known more generally as "ACCESS Florida".

If you happen to qualify, and EBT card can provide a great deal of relief, assuring that you can provide for your families' basic food needs, even if you are having trouble paying bills on time. The card functions just like a regular debit card, and can be used at participating grocery stores and other participating retail locations. To apply for and use the Florida EBT card, follow these steps:Read the rest...

Can I use my EBT card in another state?

savingtools — Tue, 30 Dec 2008 06:00:00 +0000

Many people who use an EBT card for food stamp benefits, such as the Lone Star Card in Texas, the Illinois Link Card, or the Florida EBT card have wondered if they can use their card when they are out of state. Since it's such a popular question, we visited the the EBT websites of several U.S. States and found out what they had to say. You might be surprised at the answer:Read the rest...

How to apply for the California Golden State Advantage EBT card for food assistance

savingtools — Sat, 17 Jan 2009 04:02:41 +0000

The Golden State Advantage card in California is used for two types of assistance programs: Food Stamps, as well as various cash benefit programs. The amount of your benefit will depend on your current income and expenses, as well as the total number of people in your household. The EBT card replaces older paper food stamps, and works just like a normal debit card. Your purchases can be paid for at the checkout line with a card swipe, and there's no worries about being embarrased.

Families that qualify can apply for and receive a card for use with either of these programs. To obtain and use the Golden State Advantage EBT card, you should take the following steps:Read the rest...

New government regulations aimed at stopping abuse from credit card companies

savingtools — Sat, 10 Jan 2009 15:13:52 +0000

Towards the end of 2008, new regulations were passed that offer much improved protection for consumers from some historically questionable practices.

A great summary of the new regulations is contained in this press release from Consumer's Union:

WASHINGTON, Dec. 18 — New rules adopted by the Office of Thrift Supervision today will help protect consumers from certain abusive credit card lending practices that can result in excessive fees and interest rate charges. The rules were developed in conjunction with the Federal Reserve Board and National Credit Union Administration, which are expected to adopt the same regulations later today. The new regulations will go into effect on July 1, 2010.

“Millions of families have been stung by unfair credit card practices that trap them in debt and make it harder to make ends meet,” said Gail Hillebrand, Consumers Union Financial Services Campaign Manager. “When these rules finally go into effect, they will help protect consumers from being gouged by credit card companies and make it easier for families to manage their finances during these tough economic times.” While praising the new protections, Consumers Union criticized the 18 month delay before consumers finally get relief.

Some of the highlights of these new rules ( remember that they don't go into effect until July 1st, 2010 ):Read the rest...

Credit card companies find a new way to hurt your credit score...READ THIS!

savingtools — Sat, 17 Jan 2009 15:52:11 +0000

Oh boy. Despite the new federal credit card regulations that are supposed to increase protections for consumers, it appears that the credit cards companies are still up to some of their old tricks. The new laws curtail practices like intentionally delayed late payment notices, double-billing cycles,raising interest rates on one card because of a late payment on a different card, etc.

Apparently in preparation for these new laws, which go into effect on July 1st, 2010, the credit card companies are aggressively closing accounts that aren't used often, and they are also reducing balances on existing cards at an alarming rate. At first, that doesn't sound so ominous, but read on for why this will hurt consumers, and how you can protect yourself.Read the rest...

MSN groups message boards are shutting down ... where to go?

savingtools — Mon, 05 Jan 2009 06:00:00 +0000

The MSN groups pages, used by thousands to host their message boards and forums, are scheduled to shut down in February of 2009. It appears that Microsoft have decided to shut down the popular service in favor of sending it's customers to a partner at multiply.com. While they are providing an import tool to move people from MSN to multiplyRead the rest...

What is an 80-10-10 mortgage loan?

savingtools — Fri, 30 Jan 2009 01:19:25 +0000

Actually, an 80-10-10 mortage is a little bit of a misnomer, because it's not really a mortgage, but rather two mortgages put together in a way that allows a buyer to avoid paying the monthly cost of Private Mortgage Insurance (PMI).

Most banks and lenders insist that a home buyer pay for private mortgage insurance if they do not have a down payment of at least 20% of the home's appraised value. Of course, If you can afford 20% down, you will not need PMI. If you don't, however, have 20% to put down, the 80-10-10 is an approach that still allows you to avoid the PMI payment.

So, what is an 80-10-10 mortgage? ...Read the rest...

Top 10 life insurance buyer's tips

savingtools — Sat, 24 Jan 2009 20:18:26 +0000

The cost of life insurance has dropped in a huge way over the last 20 years. Increased competition, and the power of the web bringing information straight to consumers, among other factors, have driven this dramatic change in costs.Read the rest...

Incorporate as an LLC, S-corp, or C-Corp ?

savingtools — Wed, 10 Jun 2009 13:40:38 +0000

Planning on starting a business soon? One of the first decisions you'll need to make is what type of entity your business is going to be. The most common choices are to form the company as an LLC, S-Corporation, C-Corporation, or as a Sole Proprietor.

Each one has advantages and disadvantages, and depending on the type of business you are starting, you could save yourself a significant amount of money by choosing the right one for your needs. Each entity varies, with some of them excelling at simplicity and flexibility, others with certain tax or legal benefits. Read the rest...

Debt Reduction - Don't fall for the minimum payment due

savingtools — Sat, 07 Feb 2009 16:30:38 +0000

Credit card debt is one of the most expensive, and hence, most difficult debts to overcome. One of the most misunderstood aspects of credit card debt is the minimum payment, or "minimum amount due". Many, if not most, consumers think that paying the minimum payment on their credit card bills is the best practice, and if they do so, their credit card balances will be paid off in a reasonable amount of time. What they don't know is that credit card debt, on average, takes three times as long to pay off as a conventional loan. A balance of $2500 could easily end up costing $10,000 or more once it's finally paid off.

Read the rest...

How to Apply for the Bridge Card in Michigan for EBT Food Benefits

savingtools — Fri, 06 Feb 2009 13:57:54 +0000

The Bridge card in Michigan, or Michigan EBT card, is used for for both Food Stamps (FAP) and cash benefit programs, under the general umbrella of the Bridges program. Families that qualify can apply for and receive a card for use with either of these programs. The card works just like a debit card for qualified purchases.

The Michigan Assistance and Referral Service ( MARS ) can help you find out if you qualify for the card.

To obtain and use the Michigan Bridge EBT card, you should take the following steps:Read the rest...

Debt Reduction Strategies

MikeV — Sat, 03 Jan 2009 06:00:00 +0000

Getting out of debt is something that everyone ought to strive for. In a volatile economy, it is very important to steer clear of debt so that you stay afloat. Here are some important debt reduction tips that will enable you to get a grip on your finances and live debt free.

Put a Good Budget in PlaceRead the rest...

7 Simple Tricks to Reduce Your Heating Bill This Winter

MikeV — Thu, 12 Feb 2009 01:27:43 +0000

If you have noticed that your house or apartment is somewhat drafty, then you are probably also paying way too much in heating bills. By taking some simple steps, you can greatly reduce your heating bills and find something more important to spend your money on for the remainder of the winter. Here are seven simple tips to help you save money and reduce your heating cost.Read the rest...

How to Apply for a Quest Card (Food Stamp Program) in Colorado

Nomad27 — Mon, 12 Jan 2009 21:47:43 +0000

The Colorado Quest Card ( State Food Stamps Program ) helps individuals and families with low incomes to buy food. It is an electronic benefits transfer, or EBT card, that is the modern replacement for food stamps.

You can apply with your county’s department of social services, where you will be interviewed to determine what level of benefits you are eligible for. If you are eligible, you will be given a Quest card, which works like a credit card to buy groceries at grocery stores and other participating retailers.

Who qualifies?Read the rest...

Clothing Consignment Shops: High Fashion at Discount Store Prices

Nomad27 — Sat, 14 Feb 2009 00:44:28 +0000

When you’re underemployed or out of a job, finding a great-looking outfit for that all-important interview can be hard on the wallet. And if you need to dress for a special occasion, like a wedding, bar mitzvah, or graduation in tough economic times, the thought of shelling out the money for an appropriate outfit can dampen your joy. In times like these, consignment clothing stores can be the answer to your fashion woes.

Most of the clothing in these shops has been worn before, but unlike thrift shops, consignment clothing stores stock only high-quality, very gently used clothing in like-new condition. You’ll pay much lower prices than you would for brand-new clothes—prices for famous label designer consignment clothes are often lower than those you would pay for the same type of item at a discount store like Target, K-Mart, or Wal-Mart—but you’ll look like a million bucks.
Read the rest...

Entertaining Children for $2 or Less

Brandi — Thu, 19 Feb 2009 17:28:20 +0000

Do you have nieces and nephews coming over to play? Are you stuck inside with your kids on a snow day? Entertaining the little troops indoors takes some creativity, indeed, but it doesn’t have to cost a bundle. The next time you need something to entertain little ones, try out these ideas, all of which cost $2 or less.

Construction Paper Hands

Trace little hands and cut out a few of the outlines. There are a surprising number of things you can do with construction paper hands. Children can color each of the fingers on them to make peacocks. They also can put stickers on them and glue little jewels from craft sets on them. Construction paper hands also make great turkeys for Thanksgiving, or you can put many of them together to make a wreath at Christmas.
Read the rest...

2008 tax software - Save big on filing your taxes with a little research.

savingtools — Sun, 22 Feb 2009 13:51:40 +0000

Hoping for a big refund in 2008 to make up for the sluggish economy? You'll need to file your 2008 taxes first, and with the tax laws as complex as they are, most of us are hoping to use tax software to compute and file our taxes online. Tax software guides you through the process of filing by asking questions, rather than filling out forms. And, the best software will help you find deductions you might have missed, and can also tell you if you've done anything that might flag you for an audit. In short, it's almost silly these days to file without using software.

Aside from the biggest player, TurboTax, there are other options that might save you money. Up to about $50 on the software alone! And, if you meet the federal income guidelines you can even get free tax software as well as free electronic filing.

We scoured the internet to find the greatest tips and advice to figure out your taxes and file them electronically...without breaking the bank.Read the rest...

Property Tax Appeal - Challenge your property tax appraisal and save

savingtools — Thu, 12 Feb 2009 16:04:05 +0000

Up to 60% of taxable property in the U.S. is assessed at a value that's higher than it should be, according to the National Taxpayer's Union, an advocacy group from Washington, D.C. with a goal to lower taxes. And that means the property is taxed at a higher rate as well

Additionally, the American Homeowner's Association references a Consumer's Report article that up to 40% of property appraisals have clerical errors in them.

So what can do about it if your property value has been overestimated, resulting in higher property taxes? You can appeal! Less than half of homeowners ever try to appeal. Many homeowners don't fight back because they either don't understand the process, or feel that the amount of research and paperwork won't be worth the time.

However, the process isn't really all that complicated once you break it down into steps:Read the rest...

5 Money Saving Secrets Grocery Stores Don't Want You to Know

Jessica.Drew — Mon, 23 Feb 2009 04:49:05 +0000

Does it seem like every time you go grocery shopping your bill gets higher and higher? Does it seem like every time you go shopping, dutifully with budgeted list in hand, that you still come out spending more than you expected? Well, it's really not all in your head. Food prices are increasing and budgeting may not be enough to cut down your grocery bill.

The fact is that food manufacturers and retailers are corporations looking to make money, and they have developed quite a few tricks to get consumers to spend more. Here are 5 tips you can use to be a truly savvy shopper and save some of your hard earned cash:Read the rest...

How to Find Your Home Loan Online and Save Money

MikeV — Mon, 23 Feb 2009 21:57:43 +0000

Everyone wants to own their own home these days, and that has not changed. The ease with which you can buy that home, however, has definitely changed. Home loans are still available, but you will need to be careful as you go through the process of finding the right mortgage for your needs. Here are some tips about how to get a good deal with a home loan - one that you can live with.Read the rest...

5 Things You Want on Your Motorcycle Insurance Policy

MikeV — Mon, 23 Feb 2009 22:14:28 +0000

Taking your new motorcycle for a spin on the open road is a great luxury. Not much can compare to the freedom that bikers enjoy. In order to keep on enjoying it, however, you want to make sure that you have the right kind of motorcycle insurance. Whether it is just a scooter, a dirt bike, a hog, or a luxury cruiser, you want to make sure that you have the motorcycle insurance coverage you need. Here are a few tips to show you what you need.Read the rest...

How to Have a Guilt Free Dinner and a Movie Night during a Recession

Jessica.Drew — Tue, 24 Feb 2009 20:29:41 +0000

Are you tired of telling your kids, spouse or friends that you can't afford to buy that, go see this or eat there because of your lack of cash? Or when you do give in and spend a bit on entertainment, are you constantly thinking, "Geesh, this is costing me so much money!" when you're supposed to be enjoying yourself?

Don't be fooled, a recession is the time to tighten your belt but it's not a reason to stop living. You can still have a dinner and a movie night with some financially friendly twists that will leave you feeling better about what you've spent. Here are some excellent ideas:Read the rest...

Fantastic Video on the Credit Crisis from Jonathan Jarvis

savingtools — Wed, 28 Jan 2009 15:58:36 +0000

Found this fantastic video from Jonathan Jarvis of crisisofcredit.com. Explains, in very simple terms, how the greed of Wall Street raided the pockets of Main Street. Jonathan is a graduate student, and is having a bit of trouble with his bandwidth bill. So, if you like the video, consider visiting his site and making a donation or buying a t-shirt. Read the rest...

Getting out of Debt: The Debt Avalanche

savingtools — Mon, 02 Mar 2009 19:25:44 +0000

There are a number of methods you can use to get out of debt. Probably the most commonly known method was made popular by Dave Ramsey; the Debt Snowball. The snowball is a useful method for digging out of debt which involves paying your smallest balance first to provide quick rewards. Having an account paid off quickly helps motivate you to keep going, and with each debt you pay off you free up more money to make payments on other debts (sort of like a snowball rolling down the hill – as it picks up momentum it gets larger).

The only downside of the debt snowball is that you typically pay more interest and over a longer period of time than you would if you used an interest-rate based method of repaying your debts– like the Debt Avalanche.Read the rest...

Is a Staycation Right For You?

Jessica.Drew — Thu, 05 Mar 2009 20:22:59 +0000

With the promise of warmer weather just around the bend, many are considering taking a springtime trip. With the current economic climate, many are also wondering if they can really afford to take that trip. Some will surely finance a trip with credit while others will sell back their vacation hours to their employer. There however, may be an alternative that affords you and your family a happy medium; a staycation. A staycation is where you vacation at home in an effort to save some money, but you probably already figured that much out…

Now, you may have a difficult time getting all pumped up for a staycation, especially if you're an avid traveler and have a keen sense of adventure. However, there are perks to staycations. Here is some advice to help you figure out if a staycation is right for you and some tips to make your staycation fabulous if you do decide it's up your alley.Read the rest...

The Pitfalls and Worth of Coupon Clipping (Plus Some Tips)

Jessica.Drew — Fri, 06 Mar 2009 18:49:59 +0000

One of the most recommended ways for consumers to save money is to clip coupons – coupons for groceries, restaurants, big – ticket items and almost anything else that comes with a coupon. Alternately, consumers often pose the valid question; is coupon clipping worth my time? After all doesn’t time equal money?

Whether or not coupon clipping is worth your time is impossible to answer in a generic manner. If you're a hotshot executive who earns over six figures each year, then you're much better off working to earn more money. However, if you've just been laid off and are living off savings or credit, and you have a few extra hours a day that are not dedicated to job hunting, then yea – you had better be clipping coupons.

However, what if you fall somewhere in the middle, like most of us? You're the average American, who earns a moderate living. Well chances are that selective coupon clipping is the best bet for your finances. What exactly is selective coupon clipping? It's clipping coupons efficiently and avoiding the common coupon pitfalls.Read the rest...

Get Your Finances in Order for 2009

savingtools — Wed, 11 Mar 2009 14:55:39 +0000

This guest article comes from Kim Danger. Kim, a nationally-recognized savings expert and founder of mommysavers.com, has teamed up with Uniroyal Tire to release a series of e-books for the frugal-minded. The team’s e-books and videos can be found at Uniroyal's Web Site, and they are available for free.

As everyone in the world knows, saving money is the number one topic of conversation today. My latest e-book gives you clear, concise methods to get your finances in order for the coming year.

Create an actual budget on paper.

The single most important thing you can do to clear up your financial picture is to create a budget. Many people think it’s alright to follow a vague budget in the back of their heads. It certainly isn’t. You won’t be able to see what else your money could be doing for you without examining what it’s doing now and what your short-term plans for it are.Read the rest...

Enjoying Vacation Without Big Expenses

Brandi — Tue, 24 Mar 2009 19:47:52 +0000

The sour economy doesn’t have to spell the end to your family’s summer vacation plans. You can plan to travel on a budget and still have a great time.

Consider Free Outings
While you’re probably aware of “freebie” entertainment in your own town, take advantage of it in places you want to travel as well. When you find a city you’d like to see, check the local newspaper’s events calendar and the tourist bureau. Especially during the summer months, you can find scores of free art, music, and sports activities in most cities. Don’t forget state parks, either. They offer scenic trails, picnic areas, and even swimming for free...Read the rest...

6 Powerful Tips to Save Money on Your Health Insurance

MikeV — Sat, 28 Mar 2009 00:24:08 +0000

Most everyone knows the value of having a good health insurance policy, but finding one that is priced just right is not easy. Health costs have sky-rocketed recently, and will probably get worse soon. In spite of that, though, here are 6 powerful tips that can enable you to find affordable health insurance or yourself and your family.

1. Get a Health Savings Account (HSA)Read the rest...

5 Tips to Keep Your Income Taxes Low as Possible

MikeV — Sat, 28 Mar 2009 00:33:19 +0000

We all know about taxes - we have to pay them each year. What is not so commonly known, however, are that various techniques you can use to be able to reduce your taxes and keep them to a minimum. Here are 5 ways to do just that.

1. Learn All You Can about TaxesRead the rest...

Free Samples: Five Great Websites to find them

Tyra — Sun, 29 Mar 2009 17:55:18 +0000

Free samples anyone?... Who could say no to that question?
In the declining economy, cheap is good, but FREE is even better!

Why do companies provide free samples?
Corporations provide samples to consumers in hopes to "draw you in" on their product versus another similar product. Most samples are for new and improved products, to promote a new line of products, or to battle direct competition.

What can I get samples of?Read the rest...

Cooking on a dime

Tyra — Sun, 05 Apr 2009 22:03:34 +0000

The fact that food prices are rising, while paychecks are dwindling is news to nobody. Cooking can be cheap, tasty, nutritious, and filling - so long as you follow a few simple tips. We put together some ideas for eating on a dime without feeling like a pauper.

Basic tips for the bargain gourmet:
Read the rest...

Avoid Debt Reduction Scams

savingtools — Fri, 10 Apr 2009 23:47:52 +0000

The debt reduction vultures are circling. Yep, it's a shame, but bad economic conditions are great times for a certain breed of company that preys on the financially weak.

The Federal Trade commission has gone after companies citing the following examples of fraudulent business practices:Read the rest...

misrepresenting how much they could reduce consumers’ debt
not disclosing to customers that taking their advice to stop paying creditors would likely get them sued
not disclosing that account balances would grow from interest, rate increases, late fees, and other charges
falsely advising their customers that negative entries on their credit reports from participating in these programs would be removed once the program was completed.

Flat-rate cell phone plans

Tyra — Sat, 18 Apr 2009 21:50:10 +0000

By now most people have heard of the new wave of "UNLIMITED",or flat-rate, no contract cell phone services. The general benefit of these is that for a set price, you get to use the phone as much as you want, without worrying about "going over" your minutes for some ridiculous fee, another benefit is the fact that there is no contract. If you don't pay the bill the only consequence is that you don't have service.Read the rest...

Earth Day - Tips, Freebies, and Giveaways!

Tyra — Sun, 19 Apr 2009 21:15:49 +0000

April 22nd is Earth day, a great holiday to try going green while saving money. Obviously, watching your energy intake and rate of consumption preserves the Earth and its resources, but saving money is a very welcome side effect. Good for the planet, and good for you.

We've compiled a list of simple, green, lifestyle changes to you can make at home and at work, followed by a list of Earth Day Freebies, Contests, and Giveaways...Read the rest...

Beyond the basics: Dig deeper to save money

savingtools — Mon, 20 Apr 2009 19:13:29 +0000

Chances are you've heard the classic money-saving tips – things like brewing your own coffee, buying paper towels in bulk, and brown-bagging it – and are already employing them. These challenging economic times call for even more stringent purse-tightening, however; here are some ideas that you may not yet know about....Read the rest...

Sensible Steps to Getting Out of the Cycle of Debt

MikeV — Wed, 22 Apr 2009 21:58:10 +0000

Everyone right now has been focused on the economy and how it affects everyone - the nation, the giant corporation, and the individual. Debt has gotten out of control and people and companies are feeling the pinch - and the loss of sleep at night. While most of us cannot do anything about the national debt or the economy, you can do something about your own debt that will enable you to sleep better.Read the rest...

What to Do about Those High Interest Credit Cards

MikeV — Wed, 22 Apr 2009 22:03:02 +0000

Credit cards have recently gone up in terms of the interest rates on them. Recent news, however, as reported on the IndexCreditCards.com Web site, show that they are now higher than ever. The overall credit card rate, according to the Web site, says that it is now at 14.17%. This is, of course, more than what thinking people want to pay, and there is a way for you to avoid it.Read the rest...

One Ticket for the Price of Two?

micharch — Sat, 25 Apr 2009 16:26:43 +0000

I'm an occasional air traveler these days, but I have had the uncomfortable experience on occasion to sit next on extremely overweight fellow traveler. It is very uncomfortable because the other guy is always apologizing for intruding on my "space"and I keep looking at my watch and can not wait for the adventure to end when the plane lands.
Read the rest...

End of Pensions as We Know Them?

micharch — Sat, 25 Apr 2009 17:41:24 +0000

If you have a vested pension (also known as a Defined Benefit Plan) you are probably in the minority today unless you've worked for a government entity.
Read the rest...

Luxury vs not a Luxury?

micharch — Sat, 25 Apr 2009 19:28:17 +0000

This very interesting article has quite a number of shocking revelations in it. I consider a microwave oven and a cable TV as a necessity and could care less about a cell phone. Take a look at the graphics in the article to see how your fellow citizens rate various day to day items as luxury or necessity. Do you agree or not? What appliance would you consider a luxury?
Read the rest...

Mutual Fund Expenses Matter

micharch — Sat, 25 Apr 2009 21:52:51 +0000

From this article at www.fa-mag.com:

The problem is, fund companies and financial advisers are stuck in an archaic business model that rewards the insiders at the expense of the investors––a claim Vanguard founder John Bogle has made for decades.   That's why investors still must pay 12b-1 fees and even sales loads on funds recommended by financial advisors.   
Read the rest...

Free Financial Magazines Anyone?

micharch — Thu, 30 Apr 2009 02:22:41 +0000

Most are completely free -- though a couple say right up front if only the first 2 or 4 issues are free. I get a couple of these mags myself, and I have never gotten a bill for them ever. Each mag has its own link to fill out the form to get it (where it says "click here"), so I'm sorry about that if it slows you down. If you do not like them, you can always donate them to a senior citizens center in town.Read the rest...

You Want TIPS? You Can't Handle These TIPS!

micharch — Sun, 26 Apr 2009 19:42:26 +0000

How many of these tips did YOU know about?

A sealed envelope

Put in the freezer for a few hours, then slide a Knife under the flap. The envelope can then be resealed. (hmmm...)

Appliance Cords Read the rest...

Stock Broker Success~ It's all about the Numbers

micharch — Sun, 26 Apr 2009 21:22:54 +0000

Have you ever wondered how a young inexperienced stock broker in training with Merrill Lynch or Goldman Sachs can be so correct on so many investments? He/she just learns to play what is called "the numbers game."
Read the rest...

Top Tips for saving money at the pump, and then some..

Tyra — Sat, 02 May 2009 14:29:00 +0000

Latley, gas prices are constantly fluctuating, for the better or worse. Nonetheless, its never a bad idea to minimize the amount of money you are spending at the pump. More often than not the shape you keep your car in, and the amount of time you spend maintaining it factors into the efficiency of the gas you do put in it. Below are some tips to keep the tab low at the gas station, and to keep your car in great overall condition.Read the rest...

Save Money on Vacations and Traveling.

Tyra — Sat, 02 May 2009 14:33:54 +0000

Whether its just you, a group of friends, or the whole family, chances are a vacation would be great right now. Don't let the downfall of the economy restrict you from taking it easy for a few days to revive your spirits. So long as vacations are well planned with a budget in mind, and kept free of any impulse purchases, it is possible to get away from it all without breaking the bank.Read the rest...

How to apply for the Ohio Direction Card (Food Stamps)

Tyra — Sat, 02 May 2009 15:10:58 +0000

In the state of Ohio, eligible families and individuals can receive the Ohio Direction Card, an EBT (Electronic Benefits Transfer), or food stamp card. When the card is used at approved grocery stores, the amount is automatically deducted from the monthly allowance. These cards can be used at any store that displays the "Ohio DIRECTION" sticker in their storefront. When making purchases, use your card like a debit card, enter your unique PIN number afterward. On your receipt, the remaining balance for that month will be stated.

To ApplyRead the rest...

Give mom a great mother's day - without breaking the bank.

Tyra — Tue, 05 May 2009 02:19:56 +0000

Giving mom a day to remember doesn't need to wipe out your bank account. Sometimes, a cheaper, yet thoughtful, gift can mean a lot more than the overpriced flowers that everybody else is receiving on Mother's day. In honor of mothers around the globe, we've created a list of frugal, yet thoughtful and considerate ideas and gifts you can put together for Mom.Read the rest...

"Making Work Pay"

micharch — Sun, 03 May 2009 19:18:04 +0000

It may benefit you to check your tax situation now before you find out next April that you owe Uncle Sam some more $, or that your expected IRS refund may not be as hefty as you hoped it would be.Read the rest...

Sneaky ways to reduce your water bill

Tyra — Mon, 04 May 2009 20:54:20 +0000

Water, Water, everywhere... but not a drop to spare. Apart from the fact that water is one of the most precious and depleting resources, it can also be expensive. How do you save money on this bill?, It's not a luxury item, or even optional service like cable or internet.Read the rest...

WIC: Receiving food assistance

Tyra — Tue, 05 May 2009 23:12:24 +0000

In simple terms, the WIC program provides free staple items like milk, bread, baby formula, yogurt, cereal, and cheese, and other food to pregnant women and new mothers. Want to know how to apply for WIC assistance? Read on...

Officially, The Special Supplemental Nutrition Program for Women, Infants, and Children (commonly known as WIC) is an assistance program regulated by the federal government under Food and Nutrition Services (FNS), a division of the United States Department of Agriculture (USDA).Their stated mission is "To safeguard the health of low-income women, infants, and children up to age 5 who are at nutrition risk by providing nutritious foods to supplement diets, information on healthy eating, and referrals to health care."

Read the rest...

Dining out on the cheap

Tyra — Wed, 06 May 2009 21:39:43 +0000

You've been eating in more, stopped ordering pizza delivery, clipped and printed coupons, bought generic groceries, brown-bagged your lunch and budgeted your entertainment. It saved you some money, but you're dying to go out to eat again, right? Well keep in mind that being frugal doesn't have to mean being stingy. If theres a cause for celebration, there is nothing wrong with going out to eat to celebrate a success. If you are a smart diner, going out to eat can be an indulgence that doesn't tip the budget scales.Read the rest...

Eight ways to save money on prescription drugs

Tyra — Sat, 09 May 2009 13:43:06 +0000

Prescription medications are a necessary cost. One of those that, no matter how poor the economy gets, you can't eliminate from your budget. Especially true for those with chronic illness or psychiatric disorders. The truth is, almost 40% of people on prescription medication have, at one point or another, experienced the hassle of dealing with a financial difficulty while obtaining their prescription.Read the rest...

Top tips for cutting child care costs

Tyra — Sun, 10 May 2009 16:40:02 +0000

Working families spend around 7% of their annual income on child care. Of course, child care is one place where you want to be careful about cutting corners. There are however, some safe and painless ways to reduce the cost of ensuring your little one is cared for when you are away.

How much does childcare cost?Read the rest...

The guide to buying secondhand

Tyra — Wed, 13 May 2009 22:02:01 +0000

It doesn't take a genius to figure out that buying anything- Clothes, CDs, books, cookware, cars, baby and kid equipment, sports gear,and countless other items, will be cheaper if you get it used, or secondhand. Luckily for both the frugal and eco-conscious the Internet has made access to second hand merchandise so much easier!Read the rest...

FAFSA Grants and Loans for College

Tyra — Mon, 11 May 2009 22:55:45 +0000

Yes, its true, school is expensive. With tuition, books, the cost of dorm living, travel, and other necessities, the bill for getting a higher education stacks up. Its unfortunate to see those with lower incomes give up on their dreams because of a financial brick wall. Uncle Sam wants you to go to school, there are so many resources out there for anybody with dreams of a higher education.Read the rest...

Summer entertainment for familes on a budget

Tyra — Thu, 14 May 2009 11:45:19 +0000

As the school year comes to an end, many parents go into panic mode. The realization hits you, junior will not be going to school this morning bright and early. Instead, he will be staying with you. As enjoyable as it is to have more time with the kiddos during the summer, the fact of the matter is they often get bored. Weekly visits to water parks, restaurants, festivals, carnivals, museums, and other fun outings can really start to add up.

We have complied a list of ideas for entertaining the kids during the summer months that won't take money away from their college funds. Oh, and trust us, Junior won't notice the price difference.Read the rest...

Cleaning your home, cheap

Tyra — Thu, 14 May 2009 17:18:08 +0000

$4.29 a bottle, $3.89 for 16 fluid ounces, and -gasp- $24.99 for a MOP?... oh, and not to mention the $4.00 replacement pads. Browse down the cleaning aisle of any grocery or supermarket, and these will be the price tags you'll find on cleaning supplies. With prices like that, it seems like a luxury to not live in filth, doesn't it?

Luckily, maintaining a happy, healthy and clean home doesn't have to cost you an arm and a leg. Find out how to do it frugally today! Below are eight tips to help you clean up your home without cleaning out your wallet. Read the rest...

Lose weight, save money

Tyra — Sat, 16 May 2009 15:27:39 +0000

Is weighing less costing you more? Seems a little ironic, doesn't it? Diet and exercise are a surprising cost because you'd assume that moving around more, and eating better wouldn't put a dent in your pocket.

Many diets recommend expensive ingredients, and items like supplements can cost $40.00 per bottle. Read our tips, and remember that feeling great, and being healthy doesn't have to cost a bunch.

Weight loss is caused by two things:Read the rest...

What does your Credit Card company know, and When did they Know it?

micharch — Sat, 16 May 2009 21:49:52 +0000

I found this NYT article very interesting, and scary. If you use your credit card as often as I do, I suppose that they would know quite a bit about you. For example, this week I received a letter from Discover Card (which I often use). The letter advised me that DC was extending their 1% cash back offer to 2% for purchases made at military exchanges and commissaries between Memorial Day and Labor day for me.
Read the rest...

How to Apply for the Access Card in Pennsylvania for EBT Food Benefits

savingtools — Sun, 17 May 2009 12:44:39 +0000

In the state of Pennsylvania, eligible families and individuals can receive the Pennsylvania Access Card, an EBT (Electronic Benefits Transfer), or food stamp card. When the card is used at approved grocery stores, the amount is automatically deducted from the monthly allowance.

These cards can be used at any store that displays the "Pennsylvania Access" sticker in their storefront. When making purchases, use your card like a debit card, enter your unique PIN number afterward. On your receipt, the remaining balance for that month will be stated.

To ApplyRead the rest...

Save money by shopping at the dollar store

Tyra — Tue, 19 May 2009 10:45:42 +0000

Everything here is only one dollar! For most items in stock, that is an unbeatable bargain. Have you ever thought to forgo your trip to the supermarket, drug store or general store and try restocking on essentials at a dollar store? Don't turn a blind eye to this bargain store! Stop by and you will see that they carry everything from cleaning supplies, to pet toys.

Things to buy at the dollar storeRead the rest...

Top ten things you could afford to cut back on.

Tyra — Tue, 19 May 2009 12:01:07 +0000

Everybody, frugal-minded or not, is having to cut back or cut out some type of expense from their budget. Don't end up suffering in the long run by cutting costs on essentials, and paying full price for things you just don't need. Before rehauling your entire budget, take a look at the top ten things you can afford to cut back on, or cut out altogether. Read the rest...

Low-budget beauty

Tyra — Thu, 21 May 2009 12:10:53 +0000

A smart woman is a beautiful woman. It's not exactly news that beauty products are costly, and can really add up once you reach the check-out stand. A few weeks ago I was the local drug store (Not the mall, beauty superstore, or department store, mind you!) and found myself putting items back as the cashier rang it up!Read the rest...

Tips for giving frugal and thoughtful gifts

Tyra — Thu, 21 May 2009 11:32:09 +0000

It seems like every time we look at the calendar there's another birthday, holiday or anniversary creeping up on us. Another few days spent stressing out about what to get, and often times another few weeks bouncing back from the damage your wallet took during that holiday.

Read the rest...

Budget brides - Tips for a cheap wedding

Tyra — Thu, 21 May 2009 12:45:49 +0000

The idea of falling in love, getting married, living together under one roof and starting a family together is the ultimate goal for many of us. Love may be free, but getting married is definitely not...

According to Cost of Wedding, the average American wedding costs $20,398! And that's not including the honeymoon and any extras like bridal showers. Don't let something as free and innocent as love tear apart your savings. Learn strategies that will make your wedding memorable without having to take out a second mortgage.

Here's our extensive list of tips for brides on a budget...Read the rest...

Unbroke: Celebrity Advice on Saving Money?

savingtools — Sat, 23 May 2009 05:51:05 +0000

Okay, so I had to laugh at this one. ABC Television is launching a one-hour special on Friday, May 29th @ 9PM ET that's "an unconventional look at the fundamentals of everyday finance with all the facts about credit cards, mortgages, stocks and bonds, investing and 401k's, in a fresh new format combining information and humor."Read the rest...

Update: Mainstreet.com is putting together a Twitter event for viewers to share their reactions to the show live as they watch it. See Mainstreet's Unbroke Article for the details.

Moonlighting: Is a second (part-time) job right for you?

Tyra — Sat, 30 May 2009 11:50:17 +0000

What could you do with some extra income? Pay off debt? Support an new member of the family? Get ready for the holidays? Pay for huge hospital bills? Send one of your kids off to a great college? Pay off your mortgage faster?Read the rest...

25 helpful tips for saving money on pet expenses.

Tyra — Sat, 30 May 2009 01:08:00 +0000

Pets play a huge part in so many peoples lives, some people might even consider them a member of the family. A number of studies have pointed out that pet owners have longer life spans than non pet owners. It's so unfortunate that tough times have forced many families to give their pets away to friends, family members and in the worst cases to already overcrowded animal shelters and pounds.Read the rest...

Teach kids to manage money...with an allowance

Tyra — Sat, 30 May 2009 12:03:22 +0000

Want your children to learn the true value of a dollar and equip them will life-long skills involving money? Try giving them an allowance. The majority of professional financial advisors agree that giving an allowance is a hands-on way to teach a child financial responsibility. Think that you can't afford it? Think harder.Read the rest...

The frugal fashionista- How to save money on fashion and clothing

Tyra — Wed, 03 Jun 2009 12:35:28 +0000

Just because you are cutting back on everything, grocery bills, entertainment, grocery costs, going out to eat, and yes - clothing, that doesn't mean you have to attempt pulling off a ratty T--shirt and baggy sweatpants combo. There are tons of ways to look chic, fashionable and as "up to date" as you did before the hard times struck. Below is a list of my 20 best tips to staying fashionable without maxing out your credit cards. These ideas range from smarter shopping, to forgoing the mall for the craft store. After all, fashion is about creativity, isn't it?Read the rest...

Saving Money on Your Monthly Food Bills

MikeV — Sun, 31 May 2009 14:01:35 +0000

In the past week you have probably heard someone complain about the high prices of food these days. While you cannot change the prices - you can certainly change how much you spend each month. The good news is that by taking some carefully planned steps, you can greatly reduce the cost of your groceries and still eat well. Here are some simple steps that will help you save money on groceries.Read the rest...

Saving: Learn from the Frugal Millionaires

MikeV — Tue, 02 Jun 2009 11:29:40 +0000

Some people do not want to appear to need to save money when they can, and so they hide the fact that they are looking for "deals." It may surprise some folk, though, to know that many of those who do have money - even some millionaires - and really do not need to be concerned about saving money the way income challenged people do, are also very conscious about where their money goes.Read the rest...

Top 11 tips for an inexpensive kid's birthday party

Tyra — Wed, 03 Jun 2009 10:40:46 +0000

It's no secret that children and babies, as cute as they are, are not cheap. Birthday parties can have huge price tags, and they do come annually. No, you don't have to order catering, have a limo, or hire a clown to give your child a special and memorable birthday party. Here's our 11 top tips on fun and frugal children's birthday parties. After all, it's not supposed to cost as much as wedding... Read the rest...

Home decor on a budget - Top 15 tips

Tyra — Wed, 03 Jun 2009 12:42:32 +0000

"Home is where the heart is".Your home, whether it be a house, apartment, duplex or any other sort of dwelling should be a positive reflection of you and your family. However, it's easy to carried away when it's time to decorate, and spend way more than you need to.

Fortunately, a well decorated and comfortable home can be more about creativity, and less about your budget. We have complied a list of helpful tips to make your home all your own without pulling out a loan.Read the rest...

A cheap date: 17 tips and tricks

Tyra — Wed, 10 Jun 2009 11:37:04 +0000

How to have a cheap date, without being a cheapskate. There is not a reason in the world that dating, or spending quality time with somebody you love should be a budget buster. Like most money-saving ideas, it's all about thinking outside the box. And seriously, how many times can you out for the predictable "dinner and movie" routine before being just a bit bored with it?And if nothing else, those of us that are cheap dates probably go out on more dates ;-) Read the rest...

Cooking on a dime, Part 2

Tyra — Wed, 10 Jun 2009 21:50:50 +0000

So you've mastered the art of cooking on a dime? You've revised your shopping list, made use of that leftover ham, brown-bagged your lunch at work and stocked up on sales & staples. Good for you! In the spirt of summer, we've put together a list of new and additional tips, cool new links for frugal cooking and eating, and brand new summer recipes focused on lighter, more picnic-esque fare, which tend to remind folks of the warmer months.Read the rest...

Part time jobs for teenagers and students

Tyra — Thu, 11 Jun 2009 02:08:24 +0000

In the United States, teenagers are legally allowed to start work at sixteen years of age. And in some cases, like hardship situations, teenagers can begin working at age 15. Working students and teens generally start their shifts after school, and on the weekends. Some students choose to only get "summer jobs", and focus their attention on academics during the school year. Either way, part-time employment for teens can be fulfilling, fun and a great hands-on learning experience.Read the rest...

Save money on your home phone bill

Tyra — Sun, 21 Jun 2009 14:00:33 +0000

Alexander Graham Bell accidently invented the telephone in March of 1876 when he spilled acid on himself, and realized that his voice was being carried. Over 100 years later, the telephone has advanced and become such a mainstay in peoples lives, one that some people may find it difficult to live without.

Unfortunately, staying in touch with loved ones via telephone can come with a huge price tag that some families can find hard to keep up with. With a few smart moves, you can enjoy staying connected and avoid dreading that monthly bill. Check out our list of the top 15 tips on reducing your landline bill. Read the rest...

Save money by starting a carpool.

Tyra — Sun, 21 Jun 2009 14:02:27 +0000

The dictionary defines carpooling as "an arrangement among a group of automobile owners by which each owner in turn drives the others or their children to and from a designated place. The terms "rideshare", "carpool", and "vanpool" all have similar meanings, and are used interchangeably throughout this article." Rideshares are generally set up to be mutually beneficial to each person participating, as driving responsibilities and costs are shared. Save money, help the environment, benefit yourself, and help others by starting a carpool in your area! Read the rest...

27 ways to save money on babies

Tyra — Sun, 21 Jun 2009 14:15:00 +0000

Ask anybody that has had a baby, it is not cheap. Adding up all the costs is enough to make some people think twice before having a child, or if you already have them...stress out about it further! An uneventful delivery alone, not including prenatal care and follow up, can cost $5,000-$10,000!Read the rest...

Save money on cell phone bills

Tyra — Sun, 21 Jun 2009 14:04:28 +0000

With the popularity of cells phones constantly on the rise, sometimes it almost seems as if they are a necessity, and some people have even diteched their land lines in favor of cell phones.

With the confusing contracts, costly extras to you in, and ridiculous roaming charges the price for communication can be through the roof. Like any other expense, the key to keeping the bill down is to learn about the fees you are paying and be strategic. Check out our list of 15 tips on saving money on cell phone bills. Read the rest...

Stop Dragging Your Feet: Get Out of Debt Now

savingtools — Sun, 21 Jun 2009 14:55:29 +0000

With the number of Americans losing their jobs growing at a staggering rate, it's no wonder that some people who are deep in debt are running away from it instead of meeting it head on. Even when your debt is overwhelming, letting it get out of control is only going to make the problem bigger and more difficult down the line because debt will never just “go away” no matter how much you might wish it to!

It's time to stop dragging your feet and take action to get out of debt now. Here's what you can do:Read the rest...

Eat healthy on the cheap

Tyra — Thu, 25 Jun 2009 01:45:54 +0000

Many think that cheap food means fatty, processed and high calorie food, and end up giving up their health in favor of finances.True, buying all those prepackaged, health-conscious foods can get pricey, but did you know that you CAN eat healthfully on the cheap?

The trick is to be creative and work with what you have. We put together a few tips and tricks to help you save money on your venture to health.

Healthy food is...Read the rest...

Eight ways to save money on textbooks.

Tyra — Sat, 27 Jun 2009 17:50:15 +0000

True, getting a good college education will help you succeed financially in the long run, but the cost of tuition, books and supplies sure does eat away at your finances until you find yourself on a strict college budget. The typical student plops down $900 per school year on textbooks alone! You can save money on textbooks will preperation and creativity. Below are a few tips on how to save money on school text books. Read the rest...

Budget Summer Barbecue

Tyra — Thu, 25 Jun 2009 01:51:10 +0000

Of course you and your family are looking forward to the glorious cook-out days that define summer cuisine. The outdoor made plump hot dogs, tender chicken and juicy burgers, along with all the fixings. Scale back this summer, and read up on ways to save on outdoor barbecuing. Read the rest...

Nine ways to save money on toys

Tyra — Sat, 27 Jun 2009 17:55:02 +0000

No doubt about it, kids love toys and everything about them. However, with the growing prices and all the brand new toys that come out seasonally, keeping up can be expensive. You can afford to cut back on toy expenses without losing any of the fun of playing. We put together an extensive list of the top nine ways to save money on toys and games, no matter how many fads there are. Read the rest...

Recession proof jobs

Tyra — Thu, 02 Jul 2009 12:46:44 +0000

With the economy at a record low, steady employment from a recession proof industry brings peace of mind to many people. Recession proof jobs are in industries that will continue to make a profit, and need employees despite any downfall in the nation's economy. Keep this list of sixteen recession proof industries (in no particular order) in mind when searching for a employment. Read the rest...

Rockin the Ramen - Frugal Ramen Recipies

Tyra — Thu, 09 Jul 2009 12:25:47 +0000

Ah, ramen noodles (pronounced rah-men) are a true food mystery. They are by far one of the cheapest food items in the grocery store (around 15 cents per package), and extremely versatile. You can use this budget stretcher in almost any dish to cut down on cost, and stretch the other ingredients further. We're talking soup, salads, side dishes and casseroles. The secret is to be creative, and you can make ramen noodles accent any delicious meal. We put together a few creative recipes to get you started, but go ahead and think outside the box and create your own! Read the rest...

Have a Fun and Frugal 4th of July

Tyra — Fri, 03 Jul 2009 23:26:00 +0000

If you haven't noticed yet, we here at SavingTools sure love celebrating holidays, and the closest one on the calendar is the fourth of July! The good thing is that during this holiday, its super easy to have a great time and not spend a ton of money. The most important things are fun, friends, family and pride! Browse our list of tips and tricks and have a grand time this year while staying within your tight budget. Read the rest...

Cutting Down on Summer Air Conditioning Costs

MikeV — Sat, 04 Jul 2009 02:40:21 +0000

Most of us like to avoid the heat of summer - or at least try and find a way to compensate for it. Air conditioning is a wonderful tool to be able to do this, but sometimes, it just costs too much money. That may be money that you need for something else, too. Here is some money saving tips on how to avoid those high bills on air conditioning this summer.

Start Saving Money with the BasicsRead the rest...

The Best Kind of Credit Cards

MikeV — Sat, 04 Jul 2009 02:51:41 +0000

A lot of people have multiple credit cards - including most of you that are reading this article. Truthfully, it has been rather easy to get credit cards in the past, so you will have some credit cards that are better than others. You know which of you cards have the higher interest rates and which ones are great. This means that some are costing you more than others.Read the rest...

Dorm Life - Cheap College Living Tips

Tyra — Thu, 09 Jul 2009 12:42:32 +0000

Few things are as a great as an investment as a college education, with it, you'll equip yourself with the skills and knowledge for a successful career, and guard yourself against future financial difficulties. That said, it sure is hard to stay within budget while attending college. We understand, and have put together a list of a few tips and tricks to save you money during your college years. Read the rest...

Save money with natural pest control

Tyra — Mon, 13 Jul 2009 02:49:30 +0000

Ants, rats, mice, oh my! Household pests are an annoyance, and it costs a chuck of cash to take care of them. Just one visit from an exterminator can cost you about sixty dollars! Do something good for your wallet and the environment and read up on a few tips and tricks to repel and prevent pests naturally.

AntsRead the rest...

16 ways to earn extra money

Tyra — Thu, 16 Jul 2009 02:46:36 +0000

Sure, you are cutting back on everything from entertainment to grocery costs. You may have even eliminated things from your budget altogether, but what happens when you still come up shorthanded on cash? We have put together a list of sixteen creative ways to pull in a little extra income for any unexpected expenses, or just for spending money. Read the rest...

Brown bag it! Save money, bring your lunch to work.

Tyra — Mon, 20 Jul 2009 00:41:36 +0000

You've heard it before, that you save money by preparing and bringing your own homemade lunch rather than driving to the deli, or even local fast-food joint on your lunchbreak. The five or six bucks (or more!) may not see like a big deal, but c'mon guys that adds up. Even if you spent only five dollars a day, that would add up to $25.00 for the whole work week! Save by brown-bagging it, and you'll reap both health and financial benefits. Read the rest...

10 tips to save on health insurance

Tyra — Mon, 20 Jul 2009 01:10:03 +0000

The health and wellness of you and your family is one of those things in life you can't put a price tag on. Health insurance is a good idea because it provides coverage for regular doctor visits, and also sets your mind at ease should a health emergency occur. Most plans also cover prescription drugs as may cover other needs such as mental health and homeopathic care. We have put together a list of a few tips and tricks to help you save money on your monthly health care premium.Read the rest...

10 ways to save money on your cable or satellite tv bill

Tyra — Mon, 20 Jul 2009 00:15:17 +0000

Of course, the best choice is to forgo cable, but with television being a favorite of millions, cable or Satellite service may just be something you want to fit into your budget. As long as you are careful, cable or satellite service can be an affordable luxury. Or maybe you really need to cut back and give up cable...we can help with that too. Learn how to save money on your cable or satellite bill. Read the rest...

Ten ways to save money during pregnancy

Tyra — Sat, 25 Jul 2009 15:09:58 +0000

Being pregnant is and an exciting time in any couple or family's life, you are blessed enough to have the responsibility of bringing a whole new person into this world. However, the cost of maternity is more than you would guess. Did you know that the average healthy delivery costs between $5000 to $8,000 dollars, and a few thousand more for a more complicated C-section delivery.Between the Lamaze classes, clothing, regular medical check ups and childbirth and labor you may just find yourself in a tight squeeze even before baby is born. Learn how to cut a few corners and save money during your pregnancy with our list of the top ten tips for saving money during pregnancy. Read the rest...

15 tips for clipping coupons

Tyra — Sat, 25 Jul 2009 15:02:44 +0000

Coupon clipping is a great way to save money on just about everything- Groceries, toiletries, household items, cleaning supplies, toys, baby stuff, dining out. You name it, there is probably a coupon for it somewhere. Manufacturers print coupons to get an edge against their competitors, gain popularity, or promote a new product. You, as a consumer, can benefit from this and save thousands of dollars a year on expenses with a little patience and time. We put together a list of a few tips and tricks to maximize your benefits from coupon clipping. Read the rest...

Teach Kids how to Manage Money

Tyra — Sat, 25 Jul 2009 15:43:33 +0000

As a parent, it is your job to teach your children lifelong lessons and strategies to succeed in the "real world", and schools can only teach so much. Money management is obviously one of the most important components of adulthood, you use money to pay your rent, utilities and other bills. Unless children are taught otherwise, they may just grow up without the skills they need to be successful. Take an active part in your child's upbringing and teach them the value of a dollar. Here is a few ways how...Read the rest...

More ways to save on groceries

Tyra — Thu, 30 Jul 2009 03:05:41 +0000

It's official- Everybody is cutting back on everything including the basics. However, most people would agree that feeding their family ranks high on their priorities regardless of their budget. Keeping your family healthy, happy and well fed on the cheap is quite possible, as long as you stick to your budget and think outside the box. Heres a few tips and tricks to guide you... Read the rest...

Go DIY and save money

Tyra — Thu, 30 Jul 2009 03:00:21 +0000

There are so many different products and services out there today, it can be hard to separate wants from needs. Even harder, what things could you afford to be doing yourself? If you think about it, a lot of things. Learn how to build a "DIY" ethic, have fun, learn something new and save money! After all, if you can save money by doing it yourself, why not?

A few things you can do yourself...Read the rest...

100% free voip phone service using Google Voice and Gizmo

savingtools — Thu, 30 Jul 2009 18:50:57 +0000

New functionality released by both Google and TheGizmoProject bring up an interesting new possibility...completely free voip telephone service, including both inbound and outbound calls. Both of these services existed previously, but had not, until July of 2009, worked together. Here's the scoop:Read the rest...

16 ways to save money on laundry day

Tyra — Sat, 15 Aug 2009 12:35:35 +0000

Having to do laundry is something that everybody has in common. More than most other chores, it is repetitive, and pretty expensive. Between the washer, dryer, laundromat fees, fabric softeners and detergent costs,and the power it takes to run your machines you may find yourself in over your head. Read up on a few ways to keep some cash on laundry day. Read the rest...

Save money on movies and dvds

Tyra — Mon, 17 Aug 2009 03:06:28 +0000

You've probably already figured out that you can save a substantial amount of cash if you forgo the theater and watch movies and dvds at home. But why not take it to the next level and save even more when your buying/renting movies for home use? Read the rest...

Save Money with Off-Season Vacations

MikeV — Sun, 02 Aug 2009 14:34:17 +0000

Even though you may not have been able to take the vacation you wanted this summer, it is still possible that you may be able to take one. By going with off-season prices, you may be able to get the vacation of your dreams - for much less than most other people paid. You can save money on your next vacation with a little knowledge and a little research.
Read the rest...

10 ways to save on taxi and cab services.

Tyra — Mon, 03 Aug 2009 23:14:10 +0000

Getting from point A to point B is without your own ride sometimes means calling a cab. Especially true if you are out of town. If you use taxi's frequently, you're probably aware that the fees add up. Learn how to save money on taxi and cab services. Here's how... Read the rest...

6 Ways To Save Money on Car Insurance

MikeV — Wed, 05 Aug 2009 01:45:23 +0000

If you have had car insurance with the same company for a while, it is quite possible that you could save money by shopping around. Reducing your car insurance costs makes a lot of sense in a day when money is tight for many people. Car insurance companies are also offering great deals, too, and you may be able to benefit by looking at other deals. Here are 6 ways that most people may be able to get a better car insurance price.Read the rest...

Budget Getaways - Six Tips

MikeV — Tue, 04 Aug 2009 01:26:46 +0000

Taking a vacation does not have to be a major expense. There are plenty of ways to save money and still be able to get away and have fun. Even if you decide to have a "staycation," there are still plenty of ways to make it unique and enjoyable for the whole family.

The first thing that you want to do, so that you don't regret the vacation is to figure out a budget. You need to know how much money you actually have to work with - without blowing your budget for the next couple of months. Read the rest...

Choosing Short Term Savings Options

savingtools — Wed, 05 Aug 2009 12:12:24 +0000

Once you've built up some cash for a short term savings goal, you'll need a place to store it until you're ready to use it. Maybe you've been saving for an upcoming family vacation, a down payment for a house, a new car, or just like to have access to money in the event of emergencies. Whatever your reason for saving the cash, it can be very disappointing to stash it someplace where it won't earn any interest. Here are things you should consider when saving your money for short term goals to gain the most financial benefit from those savings:Read the rest...

Nine ways to save money on office supplies

Tyra — Thu, 13 Aug 2009 12:40:16 +0000

You probably want to keep your office space or desk well stocked to be efficient in your work, but the price can sure add up. If you shop smart, you can keep a chunk of change in your wallet. Here's how... Read the rest...

Save money on back to school children's clothes

Tyra — Mon, 24 Aug 2009 03:18:48 +0000

Kids headed back to school, and you haven't picked up the new clothes they need yet? It's intimidating, right? Getting ready to unload hundreds of dollars at the time you can least afford it. Try out a few of our tips below to reduce your anxiety and get the outfits your children need at a reasonable price...Read the rest...

How To Avoid The Dangers Of Debt Consolidation Loans

debbiedragon — Fri, 28 Aug 2009 14:22:25 +0000

The average American family is currently facing thousands of dollars in unpaid high interest credit card debt with many having no idea how they will get back on track financially. There is a light at the end of the tunnel in that the economy is poised for recovery, however it will takes months, if not years for some people to find the financial security that comes with being debt free.Read the rest...

Ways Your Bank is Getting Money From You

debbiedragon — Fri, 28 Aug 2009 15:24:40 +0000

While it may be difficult enough as it is to save cash for emergencies, knowing that your bank isn't helping much doesn't bring comfort. However, the fees and charges the bank is getting from you is how they make their profits and are oftentimes done in a way that consumers don't even realize the true cost of banking. Being aware of these fees can help save you cash as many of these fees are small and relatively unnoticeable.Read the rest...

How to apply for a Georgia Compass EBT Card (Food Stamps)

savingtools — Fri, 04 Sep 2009 14:42:42 +0000

In Georgia, eligible families can receive the Georgia Compass Card, an EBT (Electronic Benefits Transfer), or essentially, an electronic version of food stamps. When your card is used at approved grocery stores, the amount is automatically deducted from a monthly allowance.

The Georgia Food Stamp Program provides these benefits to low-income households to help pay for the cost of food. Additionally, the program provides education and information to families that receive food stamps to promote healthy eating and healthy lifestyles as well as employment and training opportunities for single childless adults. They also provide outreach activities to promote the Food Stamp Program to communities and low-income individuals.

To ApplyRead the rest...

Do You Know What Kind of Debt You Have?

debbiedragon — Fri, 04 Sep 2009 21:30:25 +0000

While people think about the bills they pay each month and begin to wonder how they will continue meeting their monthly obligations, some will consider filing bankruptcy in order to get a fresh start financially. Many who do intend to file bankruptcy figure all of the debts will be resolved and they get to start with a clean slate. However, bankruptcy is usually the last recommended strategy for solving debts.Read the rest...

Why Online Banking Is Important For Financial Stability and Saving Money

debbiedragon — Sun, 06 Sep 2009 19:34:14 +0000

In today's daily life, things are much more fast-paced and chaotic than years past, especially for today's families. It can be so easy to misplace information, forget to pay a bill, or add an entry to your check book register. All of these little errors can cost you big time in money. With the increased rise in penalty charges and late fees, it is essential that you remain on top of the personal finance game or risk losing your hard earned money.Read the rest...

Can I afford college for my kids?

savingtools — Mon, 07 Sep 2009 15:16:40 +0000

It's a question many parents aren't prepared to answer. Hopefully, though, the answer is yes, but you'll have to do some planning. Unless you are wealthy beyond your means, you cannot expect to wait for years and then suddenly have the money to pay for college when your kids are ready. The right thing to do is to start as soon as possible, even if you can only start small.
Read the rest...

Why Renters Need Insurance

debbiedragon — Wed, 09 Sep 2009 23:30:18 +0000

When you own a home, it is no surprise that insurance is required in the event tragedy strikes. When you rent a place, it is kind of surprising that insurance is not required given that renters likely have more to lose and face bigger risks.
Read the rest...

How To Find A New Credit Card

debbiedragon — Thu, 10 Sep 2009 18:18:26 +0000

With everyones focus on the credit crisis, recession and the millions of people that are drowning in debt it is easy to forget there is an entire portion of the population that has managed their credit cards responsibly for years. Sadly responsible credit card management has been rewarded by account holders seeing reduced credit limits, increased fees and less favorable terms.
This was not entirely unexpected as credit card companies more or less promised to make changes when the new credit card reform was passed. Nevertheless the changes affecting the accounts of credit card holders who have never missed a payment or otherwise defaulted on their agreement is enough to make anyone frustrated. Fortunately there is something you can do if you are unhappy with the way your credit card company is treating you and that is to look for a new credit card. Here are a few tips to help consumers who are in the market for a better credit card.
Read the rest...

Ten ways to save money on eyeglasses and contacts

Tyra — Wed, 16 Sep 2009 14:26:15 +0000

If you are a glasses or contact lenses wearer, chances are you have dropped $300-500 on routine care and/or a pair of glasses, only to find out later you could get a similar, if not exact package for much, much less. Be smart about your eyes, and save money on glasses, contacts and eyecare. Here's a few ways how...
Read the rest...

Save money on books, magazines and reading material

Tyra — Thu, 17 Sep 2009 03:04:00 +0000

Who doesn't like to come home after a hard day at work and cuddle up in a lazy chair with your favorite book, this week's newspaper, or the latest edition of a favorite magazine? Why not save some more of your hard-earned cash when buying books, magazines and newspapers? Heres how... Read the rest...

How To Find Good Insurance For Your Fine Jewelry

debbiedragon — Fri, 18 Sep 2009 16:59:21 +0000

Many consumers make the mistake in thinking that should something happen to their engagement or wedding ring or other fine jewelry that the homeowner or renter's insurance policy they have will cover it. However, in most cases, homeowner's and renter's insurance does not cover jewelry fully. Policies typically have limits for personal property loss categories, which includes jewelry.
Read the rest...

Credit Versus Debit- Which Offers Greater Rewards?

debbiedragon — Fri, 18 Sep 2009 18:01:12 +0000

There has been an increased awareness of the credit card versus debit card debate in recent months. This is not surprising as more consumers are making a conscious effort to spend less money and reduce debt. The credit card industry has been offering rewards programs for many years and in some cases these programs are very lucrative for individuals who manage their credit responsibly. As concerns increase over changes in the credit card industry more people are finding that credit card rewards programs may not be as beneficial as they were in recent years.

Read the rest...

5 Steps For Developing Your Own Debt Relief Plan

debbiedragon — Wed, 23 Sep 2009 12:42:54 +0000

If credit card debt is causing you stress, then it's time to take action. No matter how much or how little you owe, the best time to start paying down your bills is right now.

Don't wait for your raise or promotion at work. Don't wait until after the holidays. Don't wait until you get a better job. And especially don't wait until you win the lottery! Each day you wait, is one day wasted.

Sure, getting out of debt is not easy. It takes some sacrifice. And some hard work. And you certainly won't get out of debt overnight.

But like the old saying goes, "a journey of a thousand miles begins with a single step."

So, are you ready to take your first step? If so, here's how you can develop your own debt relief plan:Read the rest...

3 Ways To Save Money Without Sacrificing Insurance Coverage

debbiedragon — Fri, 25 Sep 2009 16:01:10 +0000

Insurance policies, often written in a language that only brokers and agents can understand can be intimidating and frustrating to manage. Whether you are buying health, auto, homeowners, life or any of the various policies available to provide coverage when needed, it is important to know what you are purchasing and what coverage will be provided. In an economy where everyone is trying to pinch pennies and stretch every dollar to the max, many consumers are struggling to pay insurance premiums with some even canceling policies they cannot afford. Sadly insurance is the one thing you pay for in the hopes you never have to use; and in many cases need that coverage when you can least afford to be unprotected.

Read the rest...

Save money on halloween

Tyra — Sat, 17 Oct 2009 16:00:51 +0000

Halloween, like any other holiday is a time for fun for people in all walks of life, but the expenses of decorating, entertaining and dressing up sure can add up. Don't ruin the holiday fun by spending too much money and then fretting over it. There are plenty of ways to offset costs without affecting the fun factor. Have a fun, safe, and frugal Halloween this year by sticking to a few money-saving guidelines. Read the rest...

Simple Ways to Lower Your Car Insurance

debbiedragon — Fri, 02 Oct 2009 18:28:49 +0000

In today’s world, many of us are taking a close look at our finances and examining every possible angle to lower our bills. Your car insurance could be an area of opportunity to save a little money. Let’s take a look at some tips you can use to help you significantly lower your Automobile Insurance premiums.
Read the rest...

Tips for Trimming Your Grocery Bill By Up to 50%

debbiedragon — Fri, 02 Oct 2009 18:31:27 +0000

In today’s world, so many of us are looking to refine our household budgets. One area that can be tricky for many of us is the food bill. Let’s face it, we are all very busy and the food industry knows it. They have catered to our busy lives, while taking our hard earned money and running with it. If you typically eat out a lot, purchase pre made foods or just head to the grocery store without a meal plan and a grocery list, you are overspending. Let’s take a look at some tips you can use to shave your food bill by up to 50%.
Read the rest...

How To Determine The Best Debt Elimination Strategy

debbiedragon — Thu, 08 Oct 2009 13:56:13 +0000

Getting out of debt is a common goal shared by millions of people. The journey to a life of debt free living is often long and filled with numerous obstacles. The people who have made the journey before you are living proof that life without debt is possible. In order to be successful you must first understand that the best way to eliminate debt is not the same for every person. All to often a person who is desperate to eliminate debt will jump at any opportunity to get the process started. While it is true that each day you carry high interest debt costs you money that could be used elsewhere, acting impulsively when selecting your debt elimination strategy can cost you more in the long run.Read the rest...

Tips To Reduce Home Heating Costs

debbiedragon — Fri, 09 Oct 2009 12:26:46 +0000

People living in regions that experience cold weather in the winter are preparing for the frigid months ahead. This includes digging out cold weather clothes andmaking sure your vehicle is equipped to handle below zero temperatures, snow and ice. The most important step and one that can save considerable money is winterizing your home. Home heating costs are expected to be lower this winter compared to recent years, nevertheless consumers worry if they will be able to afford keeping their family safe and warm. The following tips are great reminders for both homeowners and renters to help ward off old man winter without breaking the bank.Read the rest...

How To Get More Out of Your Bank Instead of Them Taking More From You

debbiedragon — Wed, 14 Oct 2009 22:10:03 +0000

Traditionally, consumers are meant to think that their bank is on their side, ready to store your money and keep it safe. However, that is not always the case. More and more reports are surfacing about unhappy consumers who are losing money simply by having a bank account. Banks are becoming unstable in this economy just as many families are. As a defense, they are raising and instituting new penalties and fees and passing it on to their customers.

In many cases, the customer doesn't even notice until it is too late because bank statements are not reconciled or they are simply not paying too close attention to what is going on. Banks are counting on that and cashing in on the situation. Banks are making a lot of money from over the limit spending and customers are starting to take heed.
Read the rest...

5 Tips To Avoid Costly Car Problems This Winter

debbiedragon — Thu, 15 Oct 2009 15:00:48 +0000

Most car owners know the importance of routine maintenance to keep their car or truck in good condition. While it is important to maintain your vehiclethroughout the year, special care should be given in winter months. The frigid temperatures that are common in certain locations require car owners to pay close attention to their car to avoid costly problems that are exacerbated in the winter.Read the rest...

11 ways to save money on your winter wardrobe

Tyra — Tue, 17 Nov 2009 12:02:00 +0000

Winter, being the extreme season, means that it requires a different wardrobe...full of warmer clothes to keep up with the weather. Even in the warm south, they have their sub-freezing days. Logic says that warmer clothes use more material of a thicker, more durable (and pricier) fabric. And, if you have kids, last year's winter clothes won't fit, unless you have a good "hand me down" matchup. Keep cozy while keeping your wallet fuller by shopping smart for winter clothing. Heres a few ideas: Read the rest...

Scan Your Way To A Lower Grocery Bill

debbiedragon — Fri, 23 Oct 2009 01:00:31 +0000

If you are looking for ways to save cash and reduce unnecessary spending, cutting costs at the grocery store is usually a good place to start. With most families spending more money than needed to stock their refrigerator and pantry each week, it is not unusual to go over budget while shopping for groceries and regularly used household products. While most consumers understand the basics when reducing grocery costs, such as using coupons, shopping with a list and replacing brand name items with the store brand, many consumers overlook the benefit of using hand-held scanners while shopping.Read the rest...

Lost Your Health Insurance? Don’t Panic

debbiedragon — Sat, 24 Oct 2009 14:39:52 +0000

In 2008, approximately 15% of the population, according to the Census Board, was without any type of health insurance. That represents approximately 46.3 million people. Most people are insured through their employee programs. Other providers are Medicare and Medicaid. What happens if you lose your benefits?If you become seriously ill or disabled, chances are that you will invest your cash in your own welfare, and spend your money on hospital charges. It happens.

If you have no insurance and need medical attention don’t be afraid to negotiate for a better price. It sounds odd to be haggling with a health care provider but it is something you have to learn how to do if your insurance disappears.When looking for new health insurance because, your policy has run out, or you have been laid off, there are several places that specialize in helping people find affordable coverage:
Read the rest...

Small Payments Add Up Quickly To Reduce Debt

debbiedragon — Wed, 28 Oct 2009 03:52:49 +0000

Millions of consumers share the common goal of getting out of debt. With this goal, they also share the frustration that accompanies debt elimination strategies that are popular today. There are many different methods of debt repayment that have proven to be successful for consumers who have waged this battle in the past. It is important however for each person to find a strategy that works for their unique financial situation. Though varied, each payment strategy has one common denominator: making payments.Read the rest...

Proceed With Caution After Opting Out Of Higher Credit Card Interest Rates

debbiedragon — Tue, 03 Nov 2009 16:41:14 +0000

In the span of just a few years consumers have dramatically changed how they manage their personal finances. Regrettably some of these changes came too late to avoid certain financial disasters, nevertheless consumers have options moving forward that reduce the chances of repeating the same mistakes. One of the biggest challenges facing individuals today is eliminating high interest credit card debt. In many cases the balances carried on credit cards have taken years to build and will take years to pay off.
Read the rest...

Mortgage Refinance: Play the HARP while it lasts

Thu, 05 Nov 2009 12:36:48 +0000

Mark Twain once wrote, “A banker is a fellow who lends you his umbrella when the sun is shining, and wants it back the minute it begins to rain.” In terms of a modern day interpretation, if you’ve been thinking of refinancing your mortgage, you might want to step it up because rain is in the forecast.

Beginning December 11, 2009, Fannie Mae will no longer buy a loan with a credit score of less than 620, so lenders are no not likely to underwrite them. The company also plans to increase fees and raise lending criteria, making it more difficult than ever to finance, or refinance, a home purchase.

SCROLL DOWN TO SEE PRESIDENT OBAMA'S VIDEO ON THE HARP PROGRAMRead the rest...

Your Credit and Your Insurance Rates - There Is A Connection

debbiedragon — Fri, 06 Nov 2009 22:33:33 +0000

Understanding and keeping current on your credit score can save you money on insurance costs. Insurance is a necessity for most people to protect them in the event something unplanned occurs. Homeowners, auto, health and life are the most traditional insurance policies. Travel, pet and renters are also common policies held by consumers. Insurance has long been known as a way to protect investments but skyrocketing premiums are a continued concern for consumers.
Read the rest...

Technology Keeps You Safe and Keeps You At Risk

debbiedragon — Fri, 06 Nov 2009 22:42:14 +0000

Internet crooks have gotten sophisticated in various methods used to access and steal consumers identity. A few of the sophisticated ones are “phishing”, “DNSpoisoning”, “screen grabbing” and “key-logging”. Believe it or not, they use malware software such as Zeus and Sinowal that actually intrude (undetected) in your computer, to steal your identity. The good news is that new computer protection software can now detect such malicious attacks and remove or block their access entirely. Ensure that your computer’s anti-virus definition software is up to date.
Read the rest...

Frugal Feast - Saving money on Thanksgiving Day

Tyra — Tue, 10 Nov 2009 02:09:49 +0000

Ah, the holiday season has arrived once again. Family and friends are all around, gifts are being given and received, you've gotten a little time off work, and can sense the general cheer in the air.

Those of us that have experienced a few holidays know that the cost of it all can really add up, whether its shopping for everybody on your gift list, decorating for the season, or preparing the perfect holiday dinner. Get off on a frugal foot this year by saving money on the first big gathering and meal of the season, Thanksgiving.

Here's how...Read the rest...

Cheaper haircuts, barber and salon visits

Tyra — Tue, 17 Nov 2009 12:07:11 +0000

Our hygiene and appearance says a lot about who we are and what we do. Ladies may choose to style their hair in trendy, and fashionable styles to reflect their personalities, whereas business men and women may require a clean-cut, professional look to give their clients and coworkers the best impression. No matter who you are, or what kind of style you are looking for we have some money saving tips for your barber and salon visits.

Read the rest...

Vacations Rentals: Cheaper than a hotel?

Fri, 13 Nov 2009 04:05:40 +0000

Mom, Dad, three kids and a minivan. A week in Orlando to visit all the attractions. Five people crammed into one hotel room. The nightly battle over which fast food restaurant to go to for dinner. Quel nightmare.

You would rent a beach house for your summer vacation, right? Why not rent a house or condo when you take any other trip? Disney. The Grand Canyon. New York City.

If you have a reasonably large group—be it family, friends, a reunion—consider the merits of renting a house instead of several hotel rooms. The actual lodging cost may be similar or less, but additional savings can be had with other expenses. Read the rest...

Mortgage Options You Can Afford to Pay Off

debbiedragon — Fri, 13 Nov 2009 14:30:40 +0000

Imagine having your mortgage paid off and having no monthly house payments. That money could be redirected into other financial endeavors, like university fund for the children or family holidays. Paying off your mortgage and saving on interest is one way to do it.Read the rest...

How To Find Affordable Pet Insurance

debbiedragon — Sat, 14 Nov 2009 13:36:08 +0000

Pet health insurance is becoming increasing popular with animal lovers who want to provide the best possible care for their pets. Responsible pet ownersunderstand their pets rely on human caregivers for survival. Pet parents must provide food, water and shelter for their animals as well as routine or preventative veterinary care. These costs are usually considered before an animal is brought home, however many people fail to plan for unexpected veterinary costs which can quickly become expensive should your pet require emergency treatment.Read the rest...

Tips For Managing Your Money After Debt

debbiedragon — Thu, 19 Nov 2009 01:10:30 +0000

The journey to debt free living is both long and difficult but there is a light at the end of the tunnel. After successfully eliminating your debt you can begin to enjoy the freedom of living a life without the constant fear and frustration that comes hand-in-hand with debt. Without the burden of debt you can begin working toward other financial goals that were unattainable when all of your income was tied up with debt payments. Consumers who are "used" to being in debt often do not know what to do with their money once the debt is finally eliminated from their lives. Here are a few money management tips for those who have recently eliminated debt from their lives.Read the rest...

Know Your Food Plan Levels and Save

debbiedragon — Thu, 19 Nov 2009 18:27:28 +0000

It’s one of our basic needs and biggest budget busters…food. The US Department of Agriculture reports 4 different weekly spending levels for an average family of 4 with children ages 9-11 years old:

Thrifty food plan level spends $133
Low cost food plan level spends $173
Moderate food plan level spends $216.60
Liberal food plan level spends $263.40

Read the rest...

Car Buying: The Secrets to Negotiating

Fri, 20 Nov 2009 02:12:21 +0000

J. Paul Getty, an oil man whom in 1958 Fortune magazine named the richest man in America, once said “You must never try to make all the money that’s in a deal. Let the other fellow make some money too.”

And therein lies the key to negotiating a good price on a car. And perhaps, most things in life.

Frank Costa concurs. A 15-year veteran car salesman in Virginia, Costa observed, “If you walk into a showroom and demand that the salesperson give you his ‘best price’, you’re probably not going to get it. The key is to create a win-win situation for both you and the dealer.”Read the rest...

Tips for Spending Less But Giving More

debbiedragon — Wed, 25 Nov 2009 16:03:44 +0000

Giving gifts to family and friends can be one of life’s biggest joys...and expenses.With the holidays around the corner, gift giving season will soon be in full swing, but of course there are year round opportunities to give-birthdays, anniversaries, graduations, wedding showers or just because.Read the rest...

Bill Consolidation: A DIY Guide

savingtools — Sun, 23 May 2010 14:51:49 +0000

Taking on bill consolidation by yourself? You've likely seen the ads for companies that offer to consolidate all of your monthly payments into one payment with an overall lower interest rate and payment amount. The allure of bill consolidation is high, but many of these companies are not reputable, and even those that are will charge you handsomely for the service. What if there was a way to achieve the same result by doing it yourself?

Well, there is a way to do it yourself, but there's no real magic. Just some good old-fashioned analysis to see how big the problem is, a plan to address the problem, and then starting the real work. Here's some guidance on how to get started with a DIY bill consolidation project.Read the rest...

Save Money This Holiday Shopping Season

debbiedragon — Fri, 27 Nov 2009 15:44:37 +0000

Today is Black Friday, the official kick-off of the 2009 holiday shopping season. On one hand, consumers appear to be willing to spend a bit< more money than the past two holiday seasons, however most people remain cautiously optimistic in light of a recovering economy. If you are venturing out (or staying in) to do some holiday shopping, the following tips can help you get the perfect gifts without going broke in the process.Read the rest...

Five Ways to Save Home Heating Energy

Jessica Bosari — Fri, 27 Nov 2009 23:42:17 +0000

Back in the oil crisis of the seventies, President Jimmy Carter made a big mistake. Instead of advising people to save on heating costs through better insulation methods and other simple ways to keep the heat in the house, he simply told them to turn down the thermostat and put on a sweater. This added to the downward spiraling economy at the time. Read the rest...

Tax Free Money To Pay For Health Care

Fri, 09 Apr 2010 16:13:11 +0000

In 2008, 27 percent of all employers offered a Flexible Spending Arrangement (FSA), with only 37 percent of eligible workers signed up to utilize the account. Small businesses are significantly less likely to offer these tax-advantaged accounts than large ones.

An FSA allows you to make voluntary salary reduction agreements through your employer to provide a tax-advantaged means to pay for both childcare and health care expenses. Many employers, including the Federal government, hold “open season” at this time of year to allow employees to sign up for the program for next year. Read the rest...

How to save money on small everyday expenses

Tyra — Thu, 03 Dec 2009 01:56:12 +0000

The key to saving money is spending less of it. When most of us decide that we would like to save some cash, we look first to the biggest expenditures on our budgets: rent/mortgage, car payments, tuition, electric bills, 401K's, retirement savings and other big costs. However, you can only cut down so much on these necessary costs. Don't overlook small everyday purchases that can be eliminated altogether, purchased less often or purchased cheaper. Let the small changes add up to a big difference. Each idea that made this list is a small, subtle change that will make little, if any difference in your daily life. They are things that are easy to do, and things that you won't feel like you're "going without". Heres a few ideas...

Read the rest...

Save Money With The Right Family Cell Phone Plan

debbiedragon — Wed, 02 Dec 2009 15:46:53 +0000

In the past ten years the number of people using cell phones has grown from just a few to millions. Advances in technology have allowed cell phone users to not only have smaller phones that can literally go anywhere but also more affordable plans than their predecessors. With the number of phones, features and plans available it is not surprising that almost everyone from the very young to the very old carries a cell phone today.
Read the rest...

Use Caution when Saving on Car Insurance

Jessica Bosari — Thu, 03 Dec 2009 12:40:29 +0000

Saving on car insurance involves many factors. It’s about a lot more than just picking the cheapest insurance company. You need to think about your personal situation and what is most important to you. Here are some strategies to consider that will help you find the most affordable policy.

Going After Quality

Believe it or not, getting the best quality insurance policy can save you money. Why? Because insurance companies with higher customer satisfaction rates actually pay claims instead of fighting you. If you could not afford to have your claim denied if your car was totaled in an accident or stolen, this is the way to go. Read the rest...

Credit Card Rates: Status of the Credit Card Act

savingtools — Fri, 04 Dec 2009 13:13:33 +0000

The Credit Card Act of 2009, signed by President Obama, goes into effect in three stages:

Stage One: Became effective August 20th, 2009.
Stage Two: Effective February 22nd, 2010
Stage Three: Effective July 1st, 2010

Most of these changes will be extremely positive for consumers, drastically improving transparency of the rules, providing more notice for consumers, curtailing deceptive practices, and capping many types of rate increases and penalties. However, the credit card companies aren't taking it all lying down, and have some plans of their own to counteract the loss of revenue that the Credit Card Act will bring.

Here's our list, by stage, of what the Credit Card Act will do for you...and how the Credit Card Companies plan to fight back:Read the rest...

Year End Savings for Small Business

Fri, 04 Dec 2009 12:22:04 +0000

This is a unique time in history to run a small business. Many start-ups are able to operate with virtually no overhead, mobile communication and computing, and with plenty of pay-as you-go contract employees to choose from.

And while, yes, the economy is slow to recover from last year’s meltdown, the stimulus efforts to get consumers to spend their money presents a golden opportunity to buy whatever you need to thrive going forward. It’s time to roll up your sleeves and take advantage of this year’s year-end bargains.

They are better than ever. Here are a few examples of what’s out there and how your business can benefit: Read the rest...

How To Keep Child-Rearing Costs Down

debbiedragon — Fri, 04 Dec 2009 16:06:38 +0000

Raising children is a wonderful adventure, but also an expensive one. According to the latest report released by the Department of Agriculture, in 2008 it would cost a typical middle income family $221,190 to raise a child birth through 18. This includes food, clothing, and shelter. The average American family has approximately 2 children. Of course children are priceless, but there are ways to save on the cost of raising them.Read the rest...

Four Ways to Save on the Holidays

Jessica Bosari — Fri, 04 Dec 2009 21:04:23 +0000

We’re all feeling the pinch this holiday season. All too often, we overspend in December and then feel the pain in January. By spending our money wisely during the holidays, we can have just as much fun without the old familiar January pain. Because this will take a little planning, sit down right now and take notes on the four best ways to save this holiday season. Read the rest...

Save money on Christmas gifts

Tyra — Mon, 14 Dec 2009 12:15:55 +0000

It's officially the holiday season! Sure, the spirit of giving is still in the air, but citizens from coast to coast are on a noticeably smaller budget this year, and may have to scale back on everything from holiday meals and entertainment to gifts and decor. Fortunately, a great gift is all about making it personable, thoughtful, creative and unique and definitely NOT about price. It is one hundred percent possible to have a wonderful holiday and give great gifts without spending a fortune. We put together a list of some thoughtful and frugal gift ideas for everybody on your list this year!

Read the rest...

Six Ways to Save on Baby Expenses

Jessica Bosari — Wed, 09 Dec 2009 12:31:56 +0000

Expecting mothers have many challenges, especially when going it alone. Statistics say that raising a child can cost you about $175,000, not including school and college tuition, so the actual cost is much more. That works out to about $800 per month. Knowing how to save money on baby expenses from day one can help you reduce that figure. Read the rest...

Money Saving Banking Tips

debbiedragon — Wed, 09 Dec 2009 16:17:24 +0000

Consumers today are becoming more aware of the fact that banks and credit card companies are in fact a business. A money making business no less, that relies on their clients to earn big bucks. Banks make their money off of the products and services they provide for consumers as well as the interest, fees and penalties they charge for any transgression made by an unwary customers. With that in mind, we all need to use banks and many of the services they offer.
Consider the following tips to reduce your banking costs; keeping more money where it belongs, in your account.
Read the rest...

Simple Money Saving Tips that Still Work

debbiedragon — Thu, 10 Dec 2009 20:28:11 +0000

Search for coupons. There is an overabundance of coupons available that can save you hundreds of dollars a month. Don’t just in Sunday’s paper but in the free publications that you get delivered in your mail. The advertisement flyers that are dropped at your doorstep offer dollars off for meals, vendor services and even home repair. The Laundromat or the local pizza shop may have a stack of old papers with valid coupons. Use your time wisely. When you are doing your laundry you can be skimming the paper for valuable savings.
Read the rest...

Taxes and your year-end bonus

Fri, 11 Dec 2009 13:34:46 +0000

Oh, the age old question: What to do with a year-end bonus? If you get one. And if you do, this year, it will probably be smaller than usual. But still. What to do with it?

It’s so tempting to rush out and spend a year-end bonus on gifts for your family and yourself. After all, it’s been a ridiculous year and you deserve a treat. Go ahead, but limit your spending to 10 to 20 percent of the bonus.

For the rest, consider putting it in an emergency high-yield savings account to help out if the economy worsens. Another idea is to contribute to or open an IRA.

IRA For IndependenceRead the rest...

4 ways to save on Christmas Gift Wrapping

Jessica Bosari — Fri, 11 Dec 2009 18:57:04 +0000

While wrapping Christmas gifts this morning, it dawned on me just how much money I saved by keeping my gift-wrapping simple this year. Always one to decorate my home lavishly for the holidays, I even make an effort to choose wrapping paper that compliments my décor. This year, I still decked out my home out and still chose wrapping supplies that complimented the décor, but I did it cheaper by choosing my gift-wrapping carefully.

Bulk Wrapping PaperRead the rest...

Food Storage Tips That Save Money

debbiedragon — Wed, 16 Dec 2009 15:54:56 +0000

When money gets tight the first thing to get scaled back in most households is the grocery budget. This is understandable considering how much food the average family wastes each month. You may have implemented some common methods of reducing your food costs like cutting coupons and buying store brand products. These are good ideas that work great to bring the cost of groceries down, however they are not the only way you can stretch your grocery dollars. Here we look at other tips that can save you even more money on your grocery expenses.Read the rest...

Family Entertainment on the Cheap

debbiedragon — Thu, 17 Dec 2009 21:37:43 +0000

Even if your budget is a bit tighter than usual, that doesn’t mean you need to skip out on your favorite forms of entertainment completely. There are plenty of ways to still check out your favorite books, movies, and music without breaking your wallets:

Public Library
The good old public library is not only alive and well, but it’s doing better business than ever. Most libraries offer a variety of services to their patrons besides just the usual books and periodicals.Read the rest...

Buying Individual Health Insurance

Fri, 18 Dec 2009 15:46:34 +0000

As new health care legislation hangs in the balance, thousands of Americans continue to go without health insurance. Worse yet, as companies continue to reduce jobs, people lose health care insurance benefits as well as the income necessary to purchase an individual policy.

What to do? If you’ve lost your insurance or your COBRA coverage is due to expire soon, it’s time to do your own shopping for individual health care coverage to compare prices and coverage options. Read the rest...

Are you really Saving Money?

Jessica Bosari — Fri, 18 Dec 2009 16:01:49 +0000

We all want to save money, but some of us get a little caught up in theory without looking at the true savings of our shopping behavior. Using coupons, buying online where you can get free shipping and choosing stores with simple return policies are all good ideas, but there’s more to it than that.

Remember that sales and other promotions are not charitable events to put more money in your pocket. They are intended to drum up sales for the stores. This is why you need to be careful when you go after discounts. Here are some tips to help realize true savings from special promotions and store policies.

Groceries Read the rest...

More Budget Bride Tips

savingtools — Fri, 18 Dec 2009 22:19:49 +0000

The engagement cards are just rolling in and already you have a stack of payments due for your wedding. Hosting a fabulous wedding is only as expensive as you make it, so don’t let the day of your dreams turn into years of debt. There are many ways to save money on your wedding, and with some creativity and a few good friends along the way, you can save thousands and have an amazing celebration.

Selecting the Right Venue

First, select a venue that will give you a great package deal. Many hotels will roll multi-course meals and open bar into a per person price and generally do not charge a fee for the ballroom.Read the rest...

Money Savers for the Entire Family

debbiedragon — Mon, 21 Dec 2009 17:15:20 +0000

Family life can get expensive. After budgeting for the necessary expenses such as meals, electricity, rent and telephone most families usually have little leftover forthe fun stuff. Saving money can be easy when the whole family helps out spending time together and saving money doing it. If saving money is done in small steps it usually will have little impact on the overall quality of life. Read the rest...

Debt Reduction Strategies For The New Year

debbiedragon — Sat, 26 Dec 2009 19:58:55 +0000

With the start of a new year just days away, many people are vowing to change the way they manage their personal finances in coming months. If you are making financial resolutions for 2010 there are several things you can do to increase your chances of success. First and foremost, make resolutions which can be realistically achieved. This can be done by setting both short and long term financial goals which allows you to focus on each step needed to reach success. By making realistic goals you are more likely to stick to your plan versus becoming frustrated and giving up. Here are a few things you can do in the next twelve months that will improve your finances and contribute to the success of your long term financial goals.
Read the rest...

New Credit Card Laws Make it Easier to Save

Jessica Bosari — Sun, 27 Dec 2009 00:10:52 +0000

An integral part of saving money is keeping debt to a minimum. Yet, for most of us, that goal is one of the hardest financial tests we can face. According to the Nilson Report, the average American consumer with credit cards carried more than $10,000 in credit card debt. Large credit balances like this make in nearly impossible for consumers to save money and build a future.

Speaking of the future, 2010 is nearly here and will be another opportunity for households to attack the credit problem anew.Read the rest...

Low Income Help with your Home Phone

Sun, 27 Dec 2009 00:21:40 +0000

Everyone is looking to cut costs these days. Many people are giving up landline phones and going exclusively to a cell plan. This seems logical enough, until you lose power for a week and can't charge your cell phone, or the battery happens to go dead right when you have an emergency.

The cost of phone service has risen in recent years with new add-on features and bundling with other services, such as Internet access and cable TV. With so many people out of work in today’s economy, there is help for people who qualify for low-income assistance.Read the rest...

Convert to a Roth IRA for Tax Savings

Wed, 30 Dec 2009 14:49:39 +0000

If you’ve considered converting your traditional Individual Retirement Account (IRA) to a Roth version, 2010 may be the most optimal time to do so. That’s because of new changes that take effect this year for the Roth IRA, as well as the slow recovery from the 2008 market crash.

Roth IRA Overview

Before we go there, here’s a brief overview of the Roth IRA. Because Roth contributions are not tax deductible, the Roth makes an ideal complement to an employer-sponsored retirement plan, since 401(k) participation precludes most IRA contributions from being tax deductible anyway.Read the rest...

New Year, Old-Fashioned Way to Save in 2010 and Beyond

debbiedragon — Wed, 30 Dec 2009 16:33:27 +0000

As kids, it seemed as though our parents and grandparents seemed to have some pretty crazy ideas for saving a few pennies. What did they do with all of thoseread bags that they just had to save? But in today’s cost-conscious climate, some of those ideas don’t sound so crazy—in fact, many of them seem to make a lot of sense. So, take a page out of your grandma’s book and try a few of these money-saving tips. She would be proud of you.Read the rest...

Save Thousands on Childcare with a Parenting Coop

Jessica Bosari — Thu, 31 Dec 2009 00:59:47 +0000

Daycare is expensive, sometimes prohibitively so. Parents with more than one young child can find themselves paying $400 a week or more just so they can go to work. For many parents it’s cheaper to stay home than it is to work.

But it doesn’t have to be that way. You can get together with other parents and arrange a parenting cooperative, sometimes called a child swap, so a different parent cares for the children each day of the week. Read the rest...

Budgeting by Expense to Income Ratio

Jessica Bosari — Sat, 02 Jan 2010 16:26:59 +0000

When you don’t know where your money is going, you’re in the dark about the best ways you can save money. While anytime is a good time to start a budget, many of us are more successful following through when we start the new year with a fresh budget and spending plan.

Further, knowing what percentage, or "ratio" of your budget you should be spending on each major category will help you make changes.

A budget can help you save money for retirement, a vacation, to pay off credit card debt or to make a major purchase. If you have never set up a budget before, this guide will help you on your way.
Read the rest...

How To Find The Best Online Savings Account

debbiedragon — Wed, 06 Jan 2010 20:16:38 +0000

Each year millions of people make New Year's resolutions hoping to improve some aspect of their life. One of the top ten resolutions each year is to get out of debt and/or save more money. This year is no different, in fact more people are cognizant of the need to improve their personal finances. Building your savings is one of the best ways to ensure financial independence and avoid future debt. To successfully grow your savings you must know how and where to start the process.Read the rest...

"Pay as you Drive" Technology Enables New Car Insurance Discounts

Jessica Bosari — Wed, 06 Jan 2010 21:10:06 +0000

Auto insurance companies like Progressive, Travelers, Allstate, The Hartford and GMAC are introducing new ways for drivers to save on auto insurance with onboard driver monitoring technology. While some groups express concerns over consumer privacy, good drivers are taking advantage of a way to save more money on their car insurance rates. These behaviorally focused, Pay As You Drive (PAYD) programs are gaining steam in many states.Read the rest...

2010 Personal Finance Essentials: What You Need to Know

debbiedragon — Thu, 07 Jan 2010 20:31:43 +0000

2009 will go down in the books as one of the worst global economic down turns in history. Home foreclosures and job losses are at record levels. Consumer spending is down and credit card debt is up causing a bleak economic and financial picture. A new year provides a fresh outlook. There are some positive trends and opportunities to look forward to in 2010.

Home Buyer Tax Credit

Read the rest...

Good Neighbor Next Door: Buy a Home for Half Price

Fri, 08 Jan 2010 13:09:10 +0000

Here’s a deal for school teachers, police officers, and firefighters. The U.S. Department of Housing & Development (HUD) has a program that offers 50 percent off the list price of certain houses as long as you live there for at least three years. It’s called the Good Neighbor Next Door (GNND) program, and it’s offered all over the United States.

The purpose of the Good Neighbor program is to strengthen communities by encouraging employed law enforcement officers, teachers, firefighters, and emergency medical technicians to live in the community. Read the rest...

Google's Nexus One Phone: Cheaper than the iPhone?

Jessica Bosari — Fri, 08 Jan 2010 15:13:26 +0000

Every time a new phone comes out, it’s time to evaluate your current situation and see if there is a cheaper option for your cell phone needs. If you are in the middle of a contract, of course you are better to wait until it runs out and look at what is available at that time. If you are not in a contract right now, you should look at the latest new phones and see if they may be cheaper.

Read the rest...

Saving on DVD's and Games

debbiedragon — Fri, 08 Jan 2010 15:55:38 +0000

Do you watch DVD’s? Do you play video games? We all know that both of these can be costly entertainment items, but in today’s market where video game consoles are in everyone’s home and DVD players are almost as critical as food how do you cut down on these costs?
Read the rest...

How To Find The Right Tax Preparer

debbiedragon — Tue, 12 Jan 2010 17:04:06 +0000

It is that time of year again. Time to gather your tax documentation and file your taxes for the previous year. With all the do-it-yourself help available today, many people have taken to filing their own taxes. There remains however a large percentage of the population that either does not feel comfortable filing their own taxes or simply lack the know-how to do it properly. If you are paying a tax preparer to perform the task, you should know that not every preparer is the same.Read the rest...

Tips to Reduce Spending on Campus

debbiedragon — Fri, 15 Jan 2010 17:42:57 +0000

Heading for College or University? There are new responsibilities and decisions to consider. Adapting to the rigors of university campus can leave your bank account a bit thin. Here are a few tips to help you to save money while attending college.

Know What You Spend
Before heading out the door with your new found sense of independence, have a look at your spending habits. Although you can’t spend what you don’t have it is nice to know where your money is going. Besides putting all your spare change into a jar there are other ways to save money while at University.Read the rest...

5 Dollar Dinner Mom: A few of her secrets

Jessica Bosari — Sat, 16 Jan 2010 14:19:08 +0000

Two years ago, Erin Chase was desperate to find new ways to save money. She had already cut the utility bills to the bare minimum, and done everything else she could think of to save money. When there was still not enough to go around, she eyed her grocery bill and set to work. Read the rest...

Save money on your home internet business

Jessica Bosari — Fri, 09 Apr 2010 16:01:53 +0000

When you finally make the leap and start your own home-based Internet business, it’s vital you think carefully where you can spend your money wisely and where you can save. By making some smart decisions, you can boost your success and help your business make more money. Assuming you’ve done your research before starting the business and you know who your target audience is, there are a few things you can do to save money on spreading the word about your business. Read the rest...

Save Money By Using Your Credit Wisely

debbiedragon — Thu, 21 Jan 2010 00:54:41 +0000

A few years ago, using credit was as natural as breathing for many consumers. This was during a period when consumers were reaping the benefits of a very credit friendly environment. Everyone was issued credit regardless of their ability to repay the debt. This of course backfired for everyone involved from the lenders to the consumers issued credit. Today people are much more leery about using credit which is a good thing as using credit unwisely can wreak havoc on your financial future. Fortunately in these post recession days we are more informed and hopefully more knowledgeable about the proper way to use credit. Here we will review common credit card mistakes which can cost you big time in the long run.Read the rest...

Old School Ways Still Save Money

debbiedragon — Fri, 22 Jan 2010 20:41:33 +0000

Everyone is looking for new and creative ways to save money these days. You don’t need to devise an elaborate budget that will have your family wondering if you’ve turned into Ebenezer Scrooge overnight. Some times the best ways to save are the same things people have been doing for years - before 'frugal' was a cool word.
Here are 10 quick and painless ways to save some money right now:Read the rest...

What do to when you can't pay a bill

Sat, 23 Jan 2010 22:37:43 +0000

It’s getting towards the end of the month and you’re short on money. It could be your mortgage, your car, or a credit card payment that’s going to get the squeeze. What do you do?

As a general rule, most lenders don’t take collections action until a payment is at least five days overdue, which allows for any mailing snafus. And in most cases, a lender is not likely to repossess your car after one missed payment. After all, he doesn’t want your car; he wants the money you owe him.

There are two things you should know if you are ever in this situation:Read the rest...

Are you too frugal? Crossing the line...

Jessica Bosari — Tue, 26 Jan 2010 14:27:39 +0000

Do you think of yourself as frugal, spartan, parsimonious, penny-wise, prudent, economical and thrifty? Do you suspect others describe you instead as penny-pinching, scrimping, stingy, tight, cheap or miserly? At what point does saving money become a bad thing? Read the rest...

How To Entertain Your Kids On A Budget

debbiedragon — Wed, 27 Jan 2010 00:48:37 +0000

Parents have been faced with the challenge of entertaining their kids for generations. Today we have more options then every before, however over the years some forms of entertainment have become quite expensive. Play time doesn't just make happy kids; spending time enjoying life together reinforces family connections making everyone more relaxed and happy. Here we will look at ways to bring your family together for some fun and entertainment without breaking the bank.Read the rest...

How to Beat Back Monthly Insurance Payments

debbiedragon — Thu, 28 Jan 2010 18:18:26 +0000

Insurance costs are a necessary evil. While we may never be happy to fork over the costs of our monthly insurance premiums on our house or cars, we certainly will jump for joy on the day we may actually need to file an insurance claim and count our blessing the policy is there for us. Insurance rates have certainly grown in the last few years. We can expect the amount to increase as well.Read the rest...

Secrets of Sneaky Savers

Jessica Bosari — Fri, 29 Jan 2010 03:33:57 +0000

Self-discipline is tough. You can stick to a plan for three weeks, make one mistake on a sudden impulse and wipe out all of your hard work in one fell stroke. This cycle of discipline and failure can cause many to give up trying to save money. But if you think of that part of you that slips up as a separate person that needs to be fooled into saving, you can manage even the most stubborn spending streak. You may recognize some of these tips.Read the rest...

The Catch-22 of Working from Home to Save Money

Jessica Bosari — Fri, 29 Jan 2010 03:46:29 +0000

It's easy to buy into the fantasy of working from home to save money. Think of the daycare savings alone! And then there’s gasoline, eating out for lunch and office clothing. Before actually setting out to work from home, you should understand that most people working from home make less money than their office-based colleagues do. Employers know that working from home is desirable to many employees.Read the rest...

Guide to Saving Money on Your Move

Jessica Bosari — Sat, 30 Jan 2010 12:53:37 +0000

Many of us find ourselves needing to move lately. Sadly, many are moving out of necessity rather than choice. When times are tough, it’s more important than ever to find ways to cut expenses and moving is one of the most expensive things you can do. Here’s a handy guide to make your move more affordable.

Before the Move: Minimize the Load Read the rest...

Individual Development Account: Save Money and Get Matching Contributions

Tue, 02 Feb 2010 01:13:44 +0000

Research shows that there are “savers” and “spenders” in all income classes, even those who make low to moderate incomes. And where there’s a will for people truly motivated to save, the government has provided a way.
Read the rest...

Little household things that add up to big savings

Jessica Bosari — Wed, 03 Feb 2010 12:21:57 +0000

It’s true that it’s the little things in life that really count. Money saving is not much different. When you’ve cut all the big expenses and think there’s nowhere else to cut, it’s time to start looking at the smaller ways in which money is leaking from your wallet. These small household tips and tricks can save you hundreds if not thousands on your grocery and household expenditures.

A Little Dab Will Do Read the rest...

Save Money On Pet Care

debbiedragon — Thu, 04 Feb 2010 15:25:29 +0000

As a pet owner you are responsible for providing the necessary care for the pets in your charge. This goes beyond simply providing food and shelter, and in some cases can be quite an expensive undertaking. Certain pets require minimal care while others look to you for their very survival.
With this in mind it is important for pet owners to understand that when it comes to the health and safety of your pet, money cannot be an issue. Unfortunately this is not the case with many families who are struggling to stay afloat in these tough economic times. How do you save money on your pet care costs when you are already working with a limited budget? Here we look at ways to reduce or lower pet care costs to ensure your pets receive the care needed to be happy and healthy.Read the rest...

How To Save Money At the Post Office

debbiedragon — Thu, 04 Feb 2010 18:41:36 +0000

Whether you only visit the post office to mail out bills and letters to friends or you go to ship countless packages from you eBay business, you really can save some dough when you go. It’s no surprise that postage rates are on the rise and will likely continue going up since the cost of fuel and transportation in general is going up all the time. But you don’t have to spend as much as usual if you do a little homework.
Here are some tips that will help save you time and money at the post office:
Weigh Your Own StuffRead the rest...

Online bank: A good deal?

Sat, 06 Feb 2010 22:56:33 +0000

If anything good comes from the enormous credit, mortgage, and banking mess of the last two years, it’s that new models of business may emerge. Customers will flock to the companies that solve their problems and make their lives easier.

In the banking world, that means lower fees and higher interest rates. One bank has already begun to lead the way. In 2009, GMAC Bank rebranded itself with a new name and a new way of doing business:

Read the rest...

Dish Network, DirecTV: Who's Cheaper?

Jessica Bosari — Sat, 06 Feb 2010 23:22:17 +0000

The competition between DirecTV and DISH Network is heating up as the Superbowl approaches. Competition has been so fierce that the story has even been covered by major news sources like ABC News and the Boston Herald. Read the rest...

Residential Wind Turbines: Basic Facts for Homeowners

savingtools — Wed, 10 Feb 2010 11:56:28 +0000

Between 2004 and 2008, residential wind power in the United States increased at an annual rate of 32 percent. That figure has more than doubled over the past two years and now exceeds 75 percent. Homeowners considering a wind system have no trouble finding someone who wants to sell them the equipment and provide the labor for installation. What they may find difficult, however, is getting hard, fast facts on which to base their decision.

In calculating the total cost of buying and owning a wind turbine, consider the following:
Read the rest...

How NOT to save money on Valentine's Day

Jessica Bosari — Wed, 10 Feb 2010 19:12:13 +0000

In tough times, we have to cut expenses everywhere, but there is a wrong way to do it; in fact, there are several. Here are some lessons for those of you who may be trying too hard to find affordable alternatives on Valentine’s Day.

For Women, It’s Not about Sex

Of course, many men would not mind getting sexy gifts for Valentine’s Day, but guys, this is NOT what the ladies want from you on Valentine’s Day. Don’t go after those clearance negligees left over from Christmas...Read the rest...

Why Should I Save Money?

debbiedragon — Thu, 11 Feb 2010 16:37:11 +0000

Saving money is an important skill to prepare you for your financial success. Saving money is not always easy but it is possible. It is kind of like losing weight. We all know what we need to do, eat less and exercise more, or in the case of saving, spend less and make more money.

While saving money is important task everyone should master, it seems to be one of the most difficult things for people to do. It may take a significant commitment and budgetary responsibility, but having a bank account with savings in it can reap financial and psychological rewards.Read the rest...

Save Money On Hotel Stays

debbiedragon — Thu, 11 Feb 2010 21:21:04 +0000

Finding a great deal on hotel rates can make or break a vacation budget. The same can be true for the business traveler who has to stay within a per diem or pay extra money out-of-pocket.
Regardless of the reason behind your stay, everyone wants to find an affordable rate in a quality hotel to ensure their night is not spent tossing and turning over the price. In this economy saving money is more important than ever. Consider the following money saving tips before booking your next hotel room.Read the rest...

Car Financing: Tips that WILL save you money

Fri, 12 Feb 2010 15:54:21 +0000

Here’s the thing: Just deciding on the right car and haggling over the final sales price is exasperating enough, so by the time the deal is handed over to the finance department, the buyer is at the weakest point of negotiation.

Unfortunately, financing the car is where most buyers end up squandering their savings on the sales price. Higher-interest loans and expensive extended warranties are where dealers make the most money.

In fact, more than a quarter of a dealer’s profit is made by the finance and insurance office. On average, $947 is made off of dealer financing and another $795 is made via an extended warranty...Read the rest...

Foreclosure: Should you walk away from your home?

Jessica Bosari — Mon, 15 Feb 2010 01:48:13 +0000

In this economy there are a huge number of homeowner’s who owe more on their homes than the houses are worth. It’s become so common that no one will looking down on you if you decide to walk away from your home. Still, that doesn’t make it right.

Seeing so many people decide to let the bank take their homes makes the prospect look more appealing to those who would otherwise never consider defaulting on a debt obligation. So at what point should you think about walking away? Read the rest...

Reap The Savings Of A Home Garden

debbiedragon — Wed, 17 Feb 2010 16:06:00 +0000

Gardening is becoming an increasingly popular pastime for many consumers. People who have home gardens spend less money at the grocery store and find the hobby both financially and physically rewarding. In addition to these benefits, gardening is a proven stress buster and great activity that can be enjoyed by the entire family. If you do not currently have a home garden you might be surprised just how much fun you can have by digging in the dirt and watching your crops grow. Here we look more closely at the benefits of a home garden.Read the rest...

Do InkJet Refills Really Save Money?

Jessica Bosari — Sun, 21 Feb 2010 13:52:54 +0000

You have probably thought of using ink jet refills to save money on printing, but you’re not sure if they work. Or maybe you tried them and it was a disaster. Perhaps you haven’t tried it because it seems too messy. If you tried them unsuccessfully in the past, or if you are thinking about using ink jet refills to save money, here’s some information that will help you get the most out of ink jet refills. Read the rest...

When is Old Better than New ?

Jessica Bosari — Sun, 21 Feb 2010 14:02:23 +0000

There was a time when engineers did their best to make products last as long as possible. The goal was to create the highest possible quality for the best price. But in the 1930s, the idea of designing products for a limited life span began to take hold. By the 1950s, it was common practice. Today, many of us find that buying old is better than buying new.

This idea of limiting the lifespan of products by design is known as planned obsolescence. While the idea has led to huge growth in sales and profits for manufacturers, it has done enormous harm to the consumer. Some engineers saw this philosophy as a potential problem.Read the rest...

How to Save Money on Heating and Cooling Bills

Sun, 21 Feb 2010 14:20:06 +0000

The first step to saving energy is to determine how much you presently use. One way to get an estimate is to visit the Lawrence Berkeley Lab to launch a computer program (see Resources, bottom) that can estimate your annual energy use. By answering a smattering of questions about your home’s energy use, you can receive an estimated calculation of your heating, cooling, hot water, lights, and appliance use.
Read the rest...

Save Money Shopping At Thrift Stores

debbiedragon — Wed, 24 Feb 2010 21:13:53 +0000

Thrift stores have been around long before the recession. The difference today is more people are finding the value of buying items from a thrift store. As more families come to terms with the fact they have been living beyond their means for years, thrift stores are seeing a surge in popularity among consumers who previously passed them by without a backward glance. Some consumers are recognizing the value of saving money where they can, so they can spend more money where it is necessary. With more people showing an interest in becoming frugal, more thrift stores are popping up to meet the demand. Here we look at several ways to incorporate thrift store shopping in your life, which will keep more money in your pocket.
Read the rest...

In a serious personal financial crisis? Assistance pointers.

Jessica Bosari — Thu, 25 Feb 2010 23:28:43 +0000

A big part of saving money is knowing how to access resources that may help you. At some point, once you’ve pinched every penny, discontinued every non-essential service, sold the second car, spent the savings and even moved into cheaper house, if you still can’t make ends meet, it’s time to ask for help. This is probably the most uncomfortable money saving topic you can address. But if you are one of the many thinking about looking for financial assistance to save money, it helps to know where to go, who to ask and what to expect. Read the rest...

How To Celebrate Kids Birthdays on a Budget

debbiedragon — Thu, 25 Feb 2010 23:54:37 +0000

There are many stories about celebrity parents going overboard on children’s birthday parties, using extravagant party favors, trucking in live ponies, and gifting kids with ridiculous amounts of presents. For most families, that celebrity lifestyle is unattainable but celebrating a child’s special occasion doesn’t have to be. You can still create a memorable time without blowing your budget.

Here are some tips to create a wonderful occasion for a child of any age:Read the rest...

How To Save Money on a Vehicle Using the Art of Negotiation

debbiedragon — Fri, 26 Feb 2010 00:06:51 +0000

It is possible to get a good deal on a new vehicle despite the stereotypical stories about car sales personnel. If you have done your homework and go to the dealership knowing what you want and what you can afford, getting a good deal is not difficult provided you also know how to negotiate the deal.

Here are some tips for negotiating the price you want at the car lot and before you go:

Before You Go:Read the rest...

How Losing Weight Saves You Money

Sun, 28 Feb 2010 16:59:00 +0000

Two of life’s most difficult problems: Losing weight and saving money. However, if you combine these two goals into one effort, you might just be able accomplish both at the same time.

Save on Your Food Bill

You can make a dramatic weekly savings simply with your shopping bill. A big cause of weight problems comes from ready meals and pre-packaged goods. Start shopping more on the outer rim of the grocery store – that’s where the healthier foods are located. Snack on fruits and nuts instead of the expensive boxed and individually packaged snacks.Read the rest...

How to Buy a House at Auction

Jessica Bosari — Sun, 28 Feb 2010 17:13:51 +0000

With the glut of homes on the market, buying a house at auction seems a tempting way to find more affordable housing. Whatever you do, don’t pay anyone to find a house for you. During the housing boom, you may remember seeing services advertising to help you find auction homes for a fee, but even then, you could find auction homes on your own. Similar services are still around, but they generally provide more advanced property search options for serious investors. Read the rest...

Does Debt Settlement Save You Money?

debbiedragon — Thu, 04 Mar 2010 15:15:46 +0000

There is currently a lot of controversy over whether or not debt settlement works as a debt elimination strategy. Many states are considering regulating debt settlement companies as a result of an increase in consumer complaints. Several other states have already taken action to limit the damage debt settlement companies can cause for unsuspecting consumers. If you are considering debt settlement as an option to get out of high interest debt, there are some things you should know before proceeding. Here we look at questions you should be asking before you decide if debt settlement is right for your situation.
Read the rest...

Four Ways to Save Money on your PC

Jessica Bosari — Fri, 05 Mar 2010 15:07:08 +0000

It’s amazing how a product can go from being a novelty to a household necessity in just 15 years. But that’s just what has happened with the home computer. The public Internet was launched in 1995 and today, few people can get by without access by computer. If you find yourself in the unfortunate position of needing to purchase a new computer, there is some good news. The cost of computers has come down significantly due to larger-scale production. By making some smart choices, you can get an affordable computer that will last longer and cost less to run. Read the rest...

How to Save on Childcare

Fri, 05 Mar 2010 15:11:17 +0000

The tough thing about childcare is that this is the most important decision you can make – to whom do you entrust your most precious treasures? And how can you possibly complain about the expense?

It’s important to remember is that the only thing that matters with childcare is quality. Many times a higher price is indicative of quality, but like many consumer goods and services, this is not universally true.

In fact, many high-quality, in-home childcare providers will charge only a nominal fee to supplement their household income. These are the ones you want to find; they’re providing childcare because they want to—it’s not a business for them. Read the rest...

What To Do When You Can’t Pay Your Taxes

debbiedragon — Fri, 05 Mar 2010 18:56:38 +0000

After the rush of preparing your files and information to complete your tax forms, it can be very disappointing to discover not only are you not getting a refund, you actually have to pay into the IRS. Not long after, the disappointment may be replaced by the fear you can not afford to pay your taxes back, especially in a lump sum with your prepared return.

So what should you do?
Read the rest...

How to Save Money on Medical Expenses

debbiedragon — Wed, 10 Mar 2010 20:03:55 +0000

At some time in your life, you are going to need to spend money on your health. Whether it is for routine check-ups, sickness, prescriptions or chronic conditions, we all have medical expenses to pay. As prices get higher, it can get harder and harder to afford health care. Not only is the cost of the medical care and prescriptions increasing, but the cost of gas and transportation to visit your doctor or pick up your prescriptions has also made health care that little bit more expensive. The question is: how to reduce medical expenses without giving up the quality of your health care and your life?Read the rest...

Private Lenders: Save your home?

Jessica Bosari — Fri, 12 Mar 2010 15:31:59 +0000

If you are facing a credit crisis like many American homeowners, there is still a way for you to keep your home. If you cannot qualify for a traditional mortgage, you might be able to secure a mortgage through a private individual or a company specializing in private lending.

What You Need to Know About Private Lenders

There are a few things about private lending you will need to know. First, those who specialize in private loans do not care about your credit score, but they do care about your equity.Read the rest...

Use Twitter to Save Money: Deals, Coupons, Tips

Jessica Bosari — Fri, 12 Mar 2010 15:51:51 +0000

Most of us think of Twitter as a way to make money, either by helping us find a job or to market a product or service. Turns out, Twitter can save you money too! But the twitter-verse is vast. There’s more to it than just hopping on the site and tweeting. Here’s how you can use Twitter to find great deals of stuff you need to buy anyway.

Why is Twitter So Good for Saving Money?

Twitter is free. Free to you and free to companies that sell goods. This means they can afford to offer discounts through Twitter that would be much less through conventional advertising or coupons.Read the rest...

How To Save Money During a Move

debbiedragon — Fri, 12 Mar 2010 21:18:57 +0000

Moving is an exciting time but it also comes with a lot of stress. Extra financial burdens are also added in to the mix and when there are unexpected expenses, it can make the entire situation much less fun.

Moving can get expensive because there are so many things to take care of at the same time. Here are some tips to help your move go smoothly and be a frugal adventure to the start of a new life:

Plan Well in Advance
There are a lot of different aspects to a move. You need to sit down and create a list of to-do items so you’ll not risk missing something during the process that may end up costing you a fortune.Read the rest...

Debt Assistance: Avoid advice from the TV

Mon, 15 Mar 2010 00:55:16 +0000

If you lay await at night worrying about your credit card debt, here’s a bit of advice: Don’t turn on the TV. Because that’s prime time for all the debt negotiation and settlement companies that advertise they can solve your credit card problems. In reality, some of these companies could make them a lot worse.

There are two types of debt assistance: debt counseling/management, and debt negotiation/settlement. The best advice is to seek out the services of debt counseling/management, as these agencies should be registered as a 501-C-3 non-profit agency. Read the rest...

How to Save on Heating Costs All Year Round

debbiedragon — Tue, 16 Mar 2010 17:52:46 +0000

With the record high in heating oil prices how do we leave more money in your wallet? Try these simple tips that you can do today to reduce the amount of heating oil you use.
Seal the Drafts
Warm air may be slowly seeping out of your home. These holes can be easily found and expertly plugged with caulking. Some common places to check for draughts and leaks are around doors, window and lighting fixtures.Read the rest...

Money Saving Tips on Tipping

debbiedragon — Tue, 16 Mar 2010 18:50:12 +0000

There was a time when tipping was not as complicated as it can be today. In our society there are so many rules and expectations that it is sometimes difficult to know what is expected when it comes to gratuities. Who gets them and how much is appropriate? In some cases it is quite obvious who gets a tip, however in other situations the lines become blurred. It is important to know when a tip is expected and how much should be given to save money during your day-to-day outings. Here we look at some common issues surrounding tipping, reducing confusion and saving you more money.
Read the rest...

Spending Plan: Getting your spouse on board...

Jessica Bosari — Sun, 21 Mar 2010 20:43:23 +0000

Often money problems sneak up on a couple. You may pride yourself on being careful with money, without knowing what that really means. Meanwhile, the debts pile up on your untested virtue. Eventually, you realize you are not the spendthrift you thought you were. When that realization comes, you’ve got more than some self-improvement issues to tackle, you’ve got to convince your spouse of the problem and get him or her on board to help.

Getting into debt is usually the result of a misallocation between your wants and needs. Many of us see things like hair color, nail polish, makeup, several pairs of shoes and a closet full of clothes as necessary to our careers. Yet there are many ways to look professional at work affordably, if we only set saving money as a higher priority.Read the rest...

Unlikely way to save: The Garbage

Sun, 21 Mar 2010 20:48:04 +0000

When you’re trying to cut down on expenses, every dollar matters. And frankly, among all the bills that you have to pay every month, some of them are just downright irritating. Like your trash collection bill, for instance. The very idea that you have to pay someone to haul your trash away can seem like a ridiculous way to spend your hard-earned dollar.

But with a little moxy, creativity, discipline, or just plain physical work, perhaps you can cut or at least reduce this expense in your annual budget.

Negotiate

Nearly every industry has been impacted by the lagging economy over the last two years, trash collection being no exception. As more people have sold homes and moved into apartments and in with relatives—evidenced by the number of empty houses on the market—private collection services have lost customers. Read the rest...

Dining Out On A Budget

debbiedragon — Tue, 23 Mar 2010 16:50:22 +0000

Although there has been an increased awareness of consumer spending these days, there are certain things many people are simply not willing to give up. Dining out can put a strain on the best budget, however it is something that brings people together and not easily avoided in this fast paced world in which we live.
Fortunately you can still enjoy getting together with your family and friends for a bite to eat without busting your budget. The following tips make it possible to take advantage of dining out without feeling guilty over money spent.Read the rest...

"America Saves Week" goes unnoticed...

Jessica Bosari — Wed, 24 Mar 2010 21:45:33 +0000

Even diligent money savers sometimes miss important events that can help them meet their financial goals. One such event was America Saves Week that took place February 21st – 28th, 2010. The event has been taking place every February since 2007. Why has such an important event gone largely unnoticed? It staggers the imagination to understand why a country in the midst of a financial crisis would miss the resources offered by this vital opportunity. There was only a smattering of mentions in the major news media about America Saves Week, despite the organizations efforts at outreach.

Americans Are Saving Less Read the rest...

Finish your tax return on the cheap, or even free

Wed, 24 Mar 2010 21:53:06 +0000

With the lean economy, sometimes it pays to learn to do things for yourself. Like fixing a leaky faucet instead of calling a plumber. Or changing your car’s oil yourself.

Another area where you can cut back is filing your tax return yourself instead of paying someone to do it for you. With all of the information available on the Internet, it’s easier than ever to file your own return.

Not only are there user-friendly software and sites that allow you to file returns electronically, there are a wealth of educational web sites where you may learn more about the filing process, the claims and deductions for which you may qualify, and download required forms. Read the rest...

Looking Good At Work – Save Money on Work Clothes

debbiedragon — Fri, 26 Mar 2010 17:55:17 +0000

Looking professional and feeling comfortable at work is important but it doesn’t have to break the bank. Here are some simple tips to save money on clothes for work.

Take Inventory of Existing Clothes

Before heading to the shops to purchase new clothes take a trip into your closet and make an inventory of items. This way you will see what should be purchased and you may be surprised at the available outfits that are hiding in there. If there is a definite glut of black pants hanging up, then when shopping steer clear of the black pants rack.Read the rest...

Best Online Banking

Jessica Bosari — Sat, 27 Mar 2010 11:54:50 +0000

As the Internet becomes an integral part of our daily lives, online banking is growing in popularity. Not only do these banks offer more convenience and free tools for consumers, they also offer services at a lower cost.

But choosing an online bank is anything but convenient. While ratings for financial stability, rates, and products are easy to find, how can you tell which banks will be there for you when you have problems, questions or concerns? Which ones make it easiest for you to bank? Today, SavingTools looks at the top online banks and rates them on overall best consumer experience.

The Basics Read the rest...

2009 Changes That Affect Your Tax Return Filing

savingtools — Mon, 29 Mar 2010 22:19:30 +0000

Tax changes that became part of the tax code in 2009 could eliminate your federal income tax, and in some cases increase federal tax refunds. These 2009 tax changes take the form of new tax deductions, credits and changes to existing tax rules. To save money when filing your tax return involves not only knowing what these changes are, but being aware of how to apply them to your unique financial situation.Read the rest...

How to Modify Your Troubled Mortgage

savingtools — Tue, 30 Mar 2010 11:04:55 +0000

If you are having trouble paying your mortgage and are in danger of losing your home, you may be wondering how things got so bad and how you can keep your home. You may have heard stories about lost paperwork and denied loan modifications. While it's true there have been difficulties, lenders do want to help you.

The Troubled Mortgage Problem

The steep economic downturn left both borrowers and lenders alike unprepared for the fallout. When the housing market collapsed, people were unable to sell the homes they could no longer afford to keep. Many people also found they owed more than their homes were worth.Read the rest...

Are You Saving Enough for Retirement?

Jessica Bosari — Wed, 31 Mar 2010 21:51:34 +0000

Saving for retirement might feel like a pipe dream when the economy is tanking and you’re not even sure you will have a job to retire from by tomorrow. However, you should always have a plan for the future. The plan will change as your circumstances change, but that’s not an excuse to do nothing. You are neither too young nor too old to start or increase savings to fund a comfortable retirement.

If you are unemployed, your first goal, of course, will be to find another job. In that case, have a savings plan ready to implement when you do start working again.Read the rest...

Tips For Buying Gently Used Kids Clothing

debbiedragon — Thu, 01 Apr 2010 18:15:41 +0000

Spring has finally arrived indicating it is time to pack up the winter wear and bring out warm weather clothes. Parents of young children know this is the time of year to clean out kids' closets and prepare to buy an entirely new wardrobe. Most kids grow so fast that last seasons gear is not going to fit the bill for the coming summer. You may be working with a limited budget or find it wasteful to pay top dollar prices for items that will only be worn for a few months. In either case it helps to know you can save a lot of money by purchasing gently used second hand clothes. The following tips will ensure you are getting a good deal.
Read the rest...

Five Ways to Start Saving Now for the Holidays

savingtools — Thu, 01 Apr 2010 21:39:57 +0000

When is a good time to start saving for the year-end holidays? Any time, of course! Here are five ways to get started on your holiday shopping fund now.

Spare Change

Do you stop and get a cup of coffee on the way to work? Buy lunch at the café down the street? Get candy bars from the vending machine? Any time a small purchase is made with cash, there’s the inevitable change. It’s annoying to have the stuff accumulate in the bottom of a purse or in the unused ashtray in the car. Why not collect those coins? Manage to put a minimum of just 25¢ each day and by the end of the year, you should have close to $100 put aside.Read the rest...

How To Save Cash on Summer Camp

debbiedragon — Fri, 02 Apr 2010 13:47:11 +0000

Summer camp provides many opportunities for kids during their time off. It also offers an alternative to day care for many parents. Not only are summer camps a great opportunity for kids to get away camps also offer learning and social opportunities that are not otherwise possible. Read the rest...

The Extra Benefits of Budgeting in Cash

savingtools — Sat, 03 Apr 2010 00:35:48 +0000

There are many benefits of using cash, as an allowance, to budget your spending. The most obvious is, of course, that by spending cash only, you immediately eliminate interest or fees. These could accumulate if the same purchases were made on a credit card, or using a debit card to make your checking account overdrawn. Besides this immediate advantage, other benefits of giving yourself a cash allowance include:Read the rest...

What to do if Your Mortgage is in Default

savingtools — Mon, 05 Apr 2010 23:20:57 +0000

If you are more than 30 days behind on your mortgage payments, your loan is in default, and you have probably been receiving friendly - or not so friendly - reminders to bring your loan current. At this point, you still have a good chance of keeping your house, because your lender doesn't really want it. Foreclosures cost lenders money.Read the rest...

12 Ways to Save Money on Car Insurance for Your Teen Driver

savingtools — Wed, 07 Apr 2010 01:19:57 +0000

Teen drivers are four times more likely to get into an accident than older drivers, according to the Insurance Institute for Highway Safety (IIHS). This statistic is frightening not only because your teen could get hurt, but also because it means your auto insurance costs could as much as double when your teen starts driving.

Luckily, there are ways to insure your teenaged driver without going broke. Read the rest...

How to Fix Your Credit Score Quickly

savingtools — Wed, 07 Apr 2010 20:11:05 +0000

A bad credit score can be fixed in as little as a few months and even within a week in some cases. Knowing how to fix your credit involves targeting the areas of your credit that have the most weight in your credit calculation, and correcting any errors in your credit report. By doing this you can fix a bad credit score faster and more efficiently than with less-focused efforts.Read the rest...

What You Need to Know About Taxes and the Mortgage Debt Relief Act of 2007

Jessica Bosari — Fri, 09 Apr 2010 15:05:34 +0000

According to Time Magazine, bankruptcy filings are up 35% from the year before. Many people have found relief in short sales and debt forgiveness, but this can lead to concerns about the tax implications. Not to worry, Uncle Sam has your back when it comes to default debt resolution.

How Forgiven Debt Affects Your Income Taxes

A Supreme Court ruling in 1931 established a precedent for borrowers’ obligations to pay tax on cancelled debt, just as if it were regular income. The decision was reaffirmed in 2005 on the basis that the taxpayer realizes an increase in income when debt is forgiven. You had more money in your pocket and Uncle Sam wanted his cut, but that has changed.Read the rest...

How to Save Money on Entertainment and Still Have Fun!

Brenda Stokes — Sat, 10 Apr 2010 13:09:24 +0000

In this shaky economic climate, many Americans are feeling strapped for spare cash to spend on entertainment. With a little creativity and ingenuity, fun can be found at a discount; here are some money saving tips for you to consider.

Entertainment Books

Charitable organizations and schools sell these thick books full of money saving coupons for local businesses, including restaurants, amusement parks and other interesting destinations. Don’t feel shy about using the coupons--that’s what they are there for! And speaking of amusement parks and other big attractions (such as zoos, aquariums, museums and the like), when planning your next visit, be on the lookout for available ‘twilight’ discounts. These usually allow admittance only during limited hours, which can be a plus if you have small children or if you didn’t plan on spending the entire day there anyway. Here are some other low cost ways to have fun.Read the rest...

How Much Will it Cost to Insure That New Car?

savingtools — Mon, 12 Apr 2010 10:57:54 +0000

Trying to find out the price of insurance on that new vehicle you’ve just taken on a test drive is almost as difficult as finding out what an airplane ticket from LA to Chicago will cost. The same way a plane ticket has so many variables (date, time, nonstop or with layovers, business or coach, staying over a weekend or not), so does any vehicle’s insurance.

There are intangible reasons for the costs of a premium, such as the part of the country you reside in, your age and gender, as well as the statistics of the other drivers in your household. It also takes into consideration how many miles the vehicle is driven to work, how much mileage is put on it in a year’s time, the neighborhood it is parked in most often and whether it is garaged or not. Your credit rating and driving records, such as any accidents or how many claims you’ve filed in the past can also have an effect . Since these differ from person to person, you may pay more than your next door neighbor on an identical vehicle, if you’ve got a lead foot and don’t pay your bills on time.Read the rest...

What to do if Your Health Insurance Claim is Denied

savingtools — Tue, 13 Apr 2010 13:02:19 +0000

If your health insurance claim a surgery is denied, you need to challenge your insurer, rather than simply taking “No,” for an answer. That's because the majority of claims are “electronically adjudicated,” according to America's Health Insurance Plans research at AIHPresearch.com. Electronic adjudication means claims are processed electronically, with no manual intervention, using denial algorithms that look for ways to deny coverage.Read the rest...

Will Doing It Yourself Save You Money?

savingtools — Wed, 14 Apr 2010 14:53:47 +0000

An average home repairman will charge $25 to $50 for a service call, and that’s before he even takes a look at your problem. However, many repairs are easy to make, even if you are a repair-challenged sort of guy. Big box home repair stores such as Home Depot or Lowe’s often give free clinics on installing tile, hanging wallpaper and more. Television programs on HGTV and DIY (Do It Yourself) or PBS’s "This Old House" can provide a wealth of information when it comes to do-it-yourself work. Or, log on to the Internet. Do a Google search of "fixing a leaky faucet" and you’ll find 207,000 hits, including helpful and sometimes amusing videos.

Below is a listing of normal household jobs and repairs, and how to consider whether to attempt a DIY job or pay to have someone to do it.Read the rest...

Cut Your Electricity Bill Up To 11.25% With a Few Simple Changes

Jessica Bosari — Thu, 15 Apr 2010 12:55:12 +0000

According to the U.S. Department of Energy, as much as 15% of the average American household's electricity is used in lighting the home. The government also estimates use of efficient light bulbs combined with timing devices and lighting controls could reduce this expenditure by 50% to 75%, meaning you could cut your electricity bill by up to 11.25% by making a few simple changes.Read the rest...

Six Tips That Will Help Prevent Identity Theft

Fri, 16 Apr 2010 09:41:51 +0000

Your identity is one of the most important things that you have. It helps you get credit cards, auto loans, mortgages, jobs and so much more. But what happens when someone gets a hold of your identity? They can run up your credit, destroy your FICO score and even commit crimes in your name. That’s why it is so important to safeguard your personal identity. Here are some tips that will help prevent identity theft so you can keep yours intact.
Read the rest...

Tips to Save Money on Your Wedding

Jessica Bosari — Mon, 19 Apr 2010 11:51:53 +0000

Financing a wedding can easily get out of hand -- if you let it. In 2009, according to The Wedding Report, the average U.S. wedding cost $19,581, which is actually down from 2007’s $28,732. Luckily, you don’t have to go into debt to get married. Shop around, compare prices and take a non-traditional route for a dream wedding at a budget price.Read the rest...

Five No-Fail Debt Reduction Techniques

Jessica Bosari — Wed, 21 Apr 2010 15:59:24 +0000

Debt ruins lives and destroys our ability to finance our futures. For those buried under a mountain of bills and interest payments, the key is to find ways to reduce debt. Lowering debt levels isn’t always easy but can be achieved provided you’re disciplined and apply these five proven debt reduction techniques.Read the rest...

Business Taxes 101: The Basics

Jessica Bosari — Thu, 22 Apr 2010 15:16:37 +0000

Filing business tax returns can feel like a major ordeal, especially if you're not great with paperwork or numbers. Don't assume you have to file in the spring. Here are the basics of business taxes, when to file and other things you should know. Read the rest...

When to file

Failure to file on time results in a late payment penalty plus interest. If you owe taxes, you'll be charged an additional 5% monthly, up to a maximum of 25%, so know when to file and ensure you meet the deadline.

Practical Tips for Balancing Your Checking Account

Fri, 23 Apr 2010 09:36:32 +0000

Balancing your checking account may seem like a no-brainer, but it takes a certain level of skill, discipline and dedication to keep things in order. If you miss a few transactions, you could end up owing the bank overdraft fees and other penalty charges for something that was just an honest mistake on your part. That is why balancing your checking account diligently is an important task and a responsibility you should take seriously. Here are some tips to help you balance your checking account and keep your ledger “in the black.”Read the rest...

How Investment Bankers Contributed to the Financial Crisis

savingtools — Mon, 26 Apr 2010 11:26:44 +0000

Investment bankers are essentially the source of the financial crisis and that's why the government is working hard to re-impose strong regulations on the industry. It helps to understand what an investment banker is, what the job entails and how investment banking led to the problem in the first place.Read the rest...

Do You Qualify for Bankruptcy?

Tue, 27 Apr 2010 09:35:46 +0000

Bankruptcy is something that many people talk about but few people understand. We always hear about companies going bankrupt and we wonder what that means. Even Donald Trump has gone bankrupt, but he's still one of the most recognized billionaires today. Few people actually understand the basics of filing bankruptcy and its ramifications.

Personal bankruptcy often occurs when someone has acquired an insurmountable debt that they cannot pay. There are basically two main types of bankruptcy that an individual can file to help manage their debts.Read the rest...

What to Know Before Choosing a Mortgage Company

Dan Early — Wed, 28 Apr 2010 15:30:22 +0000

Unless you can pay for a new home in cash, choosing the right mortgage company is going to be the best way to get a home loan. There are many mortgage companies out there to choose from which makes choosing between them an overwhelming decision. All mortgage companies are not the same and there are some that are better choices than others. That’s why knowing how to choose the right one for you is so important.Read the rest...

Five Smart Things to Do with Your Tax Refund

Thu, 29 Apr 2010 10:06:38 +0000

With tax day over and many Americans awaiting their refunds, you may be thinking about all the things you can buy with that check. But is it a good idea to buy the latest big-screen TV or some other item with your tax refund? Or would that money be spent better some other way? If you are looking for a more productive and responsible way to use your tax refund, here are five smart ideas for you to consider.Read the rest...

Six Ways You Might Be Wasting Money

Fri, 30 Apr 2010 16:55:34 +0000

Spending your money wisely seems like an easy thing to do. But even as careful as you are with your paychecks, you may be wasting money in ways that you do not even realize. Even the smartest people often spend their money on wasteful ambitions or things that they simply do not need to be spending money on. This is often the result of laziness, lack of information or just being too busy to notice. Here are six ways that many people are wasting their money on. Are you spending your money on one of these?Read the rest...

The Four Best Companies for Energy-Saving Heating and Cooling Systems

Dan Early — Mon, 03 May 2010 12:40:15 +0000

You may have been recently thinking about lowering the cost or finding the best bargain out there for your heating and cooling needs, and we want you to know that we've done a little research for you. To find out which company to go with, it helps to know a little more about these companies, their reputations and their business practices. We've gathered a little bit of information on four of the top providers out there, and we hope that this will help ease some of your questions.
Read the rest...

Tipping Tips: Who to Tip and How Much

Tue, 04 May 2010 18:41:28 +0000

When we go out to dinner, we know tipping is a requirement at the end of the meal. Servers only make a couple bucks an hour so they depend on tips in order to make a living. As a result, tipping your server is not only appreciated, it is a necessity. But many of us tend to tip too much and we also tip others who provide us with a service even when it is not a societal norm. Here is a quick guide to tipping so you can save a few bucks by putting some dollars back in your pocket rather than unecessarily in a tip jar.

Read the rest...

The Dangers of Payday Loans and How to Escape the Trap

Jessica Bosari — Wed, 05 May 2010 19:24:20 +0000

A pay loan is a short-term loan that will be paid back on the next payday of a given individual. Borrowers generally must provide one of two ways to pay back the lender automatically, via a post dated check or an automatic debit from your bank account to be handled online. Finance charges on payday loans range from 15 to 30 percent. For every hundred dollars borrowed, that makes $50 to $30 dollars on top of the loan amount. That puts you on thin ice with financial resources already stretched to the breaking point.Read the rest...

Is Peer-to-Peer Lending Too Risky?

Jessica Bosari — Fri, 07 May 2010 17:50:17 +0000

Peer-to-peer lending has shown itself to be a smart debt management technique in a time when credit is hard to come by. Credit card companies are raising rates and dropping consumer rewards, and the relatively inexpensive rates charged by social lenders can save consumers a bundle. Borrowers can consolidate high interest loans into one lower interest loan and take up to three years to pay back the debt. The sheer brilliance of this scheme, so well timed in this economy, got me to thinking about social lending as an investment. Is peer-to-peer lending a good investment?Read the rest...

Are These Six Habits Leading You Towards Bankruptcy?

Dan Early — Sat, 08 May 2010 15:22:24 +0000

With bankruptcy filings at record highs, it is important to look at some of the habits that lead people into bankruptcy. One of the most obvious financial habits that will cause someone to become bankrupt is spending more than you earn, but the problem is more complicated than that. Here are six habits that could be leading you down the road to bankruptcy if you are not careful.Read the rest...

Save Money on Air Travel This Summer

Dan Early — Mon, 10 May 2010 08:29:30 +0000

Planning a vacation this summer? Is your vacation hotspot going to be just a little too far to drive? Money is tight and you want to spend your hard earned cash when you get there, rather than on how you get there. To many, it seems like the the airlines are charging outlandish fee. The must be better ways to go about finding the best deals on airfare. You can travel this summer without breaking the bank or the budget. Here's how.

Read the rest...

Eight Steps to Retiring a Millionaire

Tue, 11 May 2010 18:19:06 +0000

Who wants to retire rich? If you answered “I do” to that question and your only plan to do so is to win the lottery in the next 30 years, this article is for you. Retiring a millionaire is not going to be easy, but it is possible with a desire to dedicate yourself to making it happen and with the proper motivation. Here are eight steps you can take toward retiring with enough money to enjoy your golden years.Read the rest...

How a Strong Community Becomes a Frugal Family's Heaven

Jessica Bosari — Wed, 12 May 2010 18:46:55 +0000

We’re lucky to live in our neighborhood. A walk down the street that should take 5 minutes is stretched out to 20 with all the “hellos” and “howyadoins.” We watch out for each others’ kids, and yes, we rat them out when needed. But a strong community does more than provide a sense of security and togetherness. Strong communities help frugal families save money in the most pleasant wayRead the rest...

Discount! Are You Getting These Savings on Your Auto Insurance?

Thu, 13 May 2010 13:11:42 +0000

Did you know you could be paying way too much for your auto insurance premiums? Auto insurance prices fluctuate between customers but the price can even fluctuate for one individual if you know how to get discounts on your premiums. Here are nine ways you may or may not have considered to start paying lower premiums today.
Read the rest...

How to Raise Teens to Use Credit Cards Responsibly

Fri, 14 May 2010 15:25:03 +0000

Teaching your teens about the responsible use of credit and credit cards is vital in today’s world. It is nearly impossible to get through life without using credit in some form at one time or another. Unfortunately, many parents have the idea that if they just tell their teenagers that credit cards are evil, they have done their job. That is neither realistic nor true.Read the rest...

SevenTips for Borrowing Money from Family and Friends

Tue, 18 May 2010 00:04:25 +0000

Borrowing money from relatives and friends can be an awkward situation but it may sometimes be necessary. Unfortunately, many times people end up on TV court shows after loaning their friends or family money because they fail to repay it or they do not repay it under the conditions agreed upon by both parties. If you are in a situation where you need to borrow from a friend or family member, here are some tips you can both use to make the situation as favorable as possible.Read the rest...

What to Do With Unfiled Tax Returns

savingtools — Tue, 18 May 2010 21:15:19 +0000

If you have procrastinated and not filed one or more of your tax returns, you can still file and should do so immediately. Not filing your taxes can lead to a huge slew of issues including tax penalties and interest fees, forfeiture of any refund you are owed and you can even have a tax levy placed on your property, bank account or wages. The sooner you take action the better off you will be.Read the rest...

Tips for Negotiating a Better Deal

Tue, 18 May 2010 21:27:18 +0000

Do you know somebody who can negotiate a great deal on something regardless of what they are buying or where they are buying it? I have a family member who will negotiate the prices at department stores and grocery stores. She negotiated and received a great deal on patio furniture, canned peaches and more! Negotiating a bargain does not have to be as difficult as it seems. In some cases, it may even be fairly simple. Here are some things to keep in mind to help you negotiate a better price with confidence.Read the rest...

Your Answers to These Six Questions Could Save You Money on Homeowners Insurance

Dan Early — Wed, 19 May 2010 15:36:18 +0000

It's been quite a while since SavingTools covered the subject of homeonwer's insurance. Back in November 2008, we told you how to get the most out of your home's insurance. But with the ever-increasing costs of homeowners insurance, we though you might want to know how to get it at a better price too. Just taking a look at your policy from the insurance company's perspective can help you understand the steps you can take to save money on your premiums.Read the rest...

Have You Been Throwing Away $10,000 a Year?

Jessica Bosari — Thu, 20 May 2010 21:50:41 +0000

Even non-smokers appreciate the difficulty of quitting smoking. Just seeing otherwise logical people continue to smoke despite the health risk makes the problem obvious. I mean, how is it that people who use seatbelts, eat healthy and take other measures to protect their health continue to smoke? Quitting must be very difficult indeed.

Consider today’s post a public service message. If the fear of a cancer-ridden death or emphysema-restricted life isn’t enough, maybe a look at how much smoking is really costing you can do the trick. You probably haven’t even considered many of these smoking related expenses.Read the rest...

11 Spring Cleaning Tips for Your Wallet

savingtools — Sat, 22 May 2010 18:44:01 +0000

Spring is almost over and if you haven't gotten your financial house in order yet, now is the time. Finances need spring cleaning too, whether you're cleaning up your debt, banking, retirement savings, or mortgage. While you're building your spring cleaning "to do" list, here are 11 ways to clean your financial house and fatten your wallet:Read the rest...

Got Tax Debt? Tips That Can Help

Tue, 25 May 2010 00:24:58 +0000

By now the chips have fallen where they may. If you find yourself owing the IRS money on back taxes for this past year or previous years, the financial burden is certainly creating stress in your life. Unfortunately, the IRS is relentless in pursuing tax debts so there is no getting away from the letters and phone calls. And you can bet that when the IRS says they will take legal action against you, they plan to do just that. Fortunately, there are some things you can do to deal with this financial problem once and for all. End the letters, the phone calls and the stress.
Read the rest...

Don't Forget to Look at Your Heating and Cooling Systems

Dan Early — Wed, 26 May 2010 00:26:54 +0000

It really doesn't matter what type energy saving appliances you use in your home if you don't do something about the costs associated with the air-conditioning or heating system that you have in your house. In fact, the cost of heating and colling accounts for 50% of your energy bill. In light of this fact, a wise consumer will need to know the facts behind what they can do to save money and reduce the cost to themselves over the years. Along with saving money, a person can also do their part in ‘going green’ to limit the emissions that they put out each year into the atmosphere. It's estimated that each year heating and cooling systems in the US will put out over 140,000,000 tons of carbon dioxide into this ever shrinking bubble in which we live. So, we would like to share with you a few tips on how to reduce the emissions that these parts of life put out and save you money along the way.Read the rest...

When Your Child Needs a Financial Education After College

Jessica Bosari — Fri, 28 May 2010 00:41:55 +0000

You struggled to offer your child the opportunity of a college education; your child struggled to finish and earn that valuable degree. But has the academic experience prepared your child for the demands of life that awaits them? If you shield your children from the difficulties they will most certainly face after college, you won't be doing them any favors.

The truth is that the students in college today have fewer job prospects than ever before. According to a study from the Economic Policy Institute, the unemployment rate for college graduates under 25 is around 9.0%, compared to 5.4% 2007¹. What can you do to prepare your kids for the harsh realities of fewer jobs, weakened earning potentials, and higher living expenses? Its never too late to begin their financial education.Read the rest...

Raided Your Retirement Account? How to Rebuild

Jessica Bosari — Fri, 28 May 2010 21:39:02 +0000

Rising unemployment, layoffs, foreclosures, and eroded market values have left us all feeling the effects of the economy's downturn. The markets have come back some, but employers and employees have changed their funding of retirement accounts in response to lower earnings. Even more alarming is an increased trend in the liquidation of retirement accounts by individuals in their 30s and 40s. The temptation to dip into retirement accounts is hard to resist when you don't have enough money to pay the bills. If you've already made the mistake of raiding your retirement account, it's not too late to rebuild.Read the rest...

How to Save Green by Cooking Green - Use Less Cooking Energy

Jessica Bosari — Sat, 29 May 2010 14:41:42 +0000

Cooking is one of those household chores we often do without thinking much about it. Getting it done fast is really what’s at the top of our minds. But if you take the time to think about your cooking habits, you may learn how much energy (and often time) you waste when you mindlessly go through the motions of making supper. There are many ways to save energy while cooking that also save you time.Read the rest...

FTC Aims to Teach Children to Resist Advertsing Messages

Jessica Bosari — Mon, 31 May 2010 16:56:32 +0000

As we all know, billions of dollars are spent every year on advertising by businesses, large or small. In many cases, it is beneficial to both consumers and competing businesses. Consumers get needed information to select which products to purchase and use. Businesses can draw benefits from advertising by measuring what customers want and innovating in order to stay one step ahead of their competitors.

As children are increasingly becoming a large part of the marketplace, they are also targeted by advertising and marketing campaigns. This makes them likely to see advertisements in many different places. The Federal Trade Commission (FTC) has started a creative campaign to educate kids between the ages of 8 to 12 about advertising and how to develop critical thinking skills when seeing ads in just about every part of their daily lives.
Read the rest...

Money Savings Strategies to Reduce Your Debt and Your Stress

Jessica Bosari — Tue, 01 Jun 2010 17:37:04 +0000

Ever wonder how it is that you manage to spend all your money without noticing? Ever considered why you can’t save no matter how many raises you get? You can blame the economy, inflation and the cost of living, but sooner or later, you must face facts. The only thing stopping you from saving is you. Take charge of your finances with these savings strategies.Read the rest...

How to Un-Spoil Your Kids

Jessica Bosari — Thu, 03 Jun 2010 00:36:28 +0000

No wants to tell their kids no. Our kids would never believe it, but we hate saying no to them. And some of us give in to that feeling a little too often. Our kids begin to expect more and more. They think they need those expensive toys advertised on TV and the clothes they see in music videos. As parents, we need to be vigilant and say no to overpriced goodies and unnecessary baubles. It’s a part of teaching our kids to be smart, self-sufficient adults who can afford to live the life of their dreams. Saying no to little things now is saying yes to happiness later.Read the rest...

Tired of Banana Bread? 10 Other Things You Can do with Overripe Bananas

Jessica Bosari — Thu, 03 Jun 2010 21:47:28 +0000

Bananas are a staple of American life. We have them for breakfast, as a snack at lunchtime or as a dessert. Some of us get daring and even make dinner with them. And they are very affordable (bless their slippery little peels). But when they don’t get eaten, the bananas languish. Only the biggest banana fans are willing to eat an overripe one. So we make banana bread with what’s left over and the next week we make banana muffins and the next week we make banana bread, ad nauseam.

Maybe you’ve got overripe bananas hanging around or maybe you just want to take advantage of a deal on the discount shelf. When I got sick of banana bread, I went banana-recipe hunting and found some goodies that I’d like to share. I even invented one of my own. The best recipes replace something you would otherwise need to buy, like cookies, jam or even whipped cream. Without further ado, here’s the low down on what to do with those overripe bananas:
Read the rest...

Planning for the Worst: Getting the Most out of Life Insurance

Jessica Bosari — Sun, 06 Jun 2010 00:54:28 +0000

Insurance agents love to cite facts showing you get more than what you pay for when you buy whole life insurance. If that’s the case, why has whole life become so unpopular? If you pay $24,000, you get $50,000 back in coverage, doesn’t that mean you are getting back double your money? Well, yes and no. The truth is, you could do better by looking at your insurance a little differently.Read the rest...

Does Growing Your Own Produce Really Save Money?

Jessica Bosari — Mon, 07 Jun 2010 17:34:10 +0000

Purchasing fresh fruit in the supermarket, even while "in season," can give the shopper a serious case of sticker shock. Buying organically produced fruit is a healthy option but can be even more costly. Buying from local farmers’ markets is a wonderful way to support local growers but it too can be expensive.

Growing your own vegetables sounds like the ideal solution for the escalating price of fresh fruits and vegetables. Tomato seeds are only $2.99. At the supermarket, tomatoes are $2.99 a pound. When the math adds up, growing your own fruits and vegetables can save a lot of money, but you need to do the math carefully, making sure you get the most bang for your garden buck. Growing your own only saves you money when you grow the right plants.Read the rest...

Unclaimed Money Could be Waiting for You

Jessica Bosari — Tue, 08 Jun 2010 17:53:03 +0000

Remember the day you were laid off and it seemed that nothing was going right and then you went out to buy some milk and doughnuts with the little money you had left and as you walked into the store, there on the ground was a twenty-dollar bill? It was like a sign, that things were not so bad. It’s hard to forget that great feeling of having found some money. Here is a chance to re-capture that feeling, as there is a good chance that there is some unclaimed money, hundreds or even perhaps thousands of dollars with your name as the owner of an unclaimed property.Read the rest...

7 Ways to Beat the Summer Heat Without Wasting Money on AC

Jessica Bosari — Thu, 10 Jun 2010 16:10:04 +0000

The cost of living is constantly rising, and many families struggle just to pay the bills. The summer months, which always see a spike in energy usage, put a further strain on family finances. There is no energy-saving plan that will suit all lifestyles, but there are several ways a family can take energy-saving measures that save both money from the monthly budget and emissions from our eroding climate.Read the rest...

SavingTools’s Practical Guide to Freezing Efficiently for Food Savings

Jessica Bosari — Fri, 11 Jun 2010 22:37:12 +0000

Did you know that you could save hundreds of dollars a year simply by putting your freezer to work for you? It’s not just about buying extra peas on sale and freezing them. There’s a lot more to it than that. By extending the life of meals, freezing some foods you never thought about, and taking better care of your freezer, you’ll save a bundle on groceries and energy. Read the rest...

7 Ways to Consolidate Your Debt

Jessica Bosari — Sun, 13 Jun 2010 14:31:41 +0000

These days, it’s hard to look at debt consolidation options without getting a heavy sales pitch. The industry as a whole is known for seedy offers that are a better deal for the debt consolidation companies than for the consumer. But when used wisely, debt consolidation helps people save money by reducing the cost of interest on borrowed money. The savings can help you put more money towards the debt and eventually pay it off more quickly than you otherwise could.Read the rest...

Road Travel Food on a Budget: 13 Great Tips

Jessica Bosari — Mon, 14 Jun 2010 19:45:50 +0000

Weekend warrior or weeklong wandering, road trips are great low-budget getaways. Here are some tips to keep your stomachs from growling and your wallet from emptying...and don't worry, I'm not going to tell you to try road kill! Read the rest...

Trying to Save Money But Don't Know Where to Start? How to Prioritize.

Jessica Bosari — Wed, 16 Jun 2010 01:06:50 +0000

In tough times, saving money becomes a new priority among consumers. Indeed, the aftermath of the 2008 credit crunch made a lot of us begin thinking more seriously about how we can cut expenses. As a result, the savings rate among consumers inched upwards from zero for the first time in several years. For consumers struggling under intense debt loads, such news is hardly reassuring. Their priority is to get out from under the weight of their debt. How can they do that if every spare cent goes to making the minimum payments every month? This is not the time to be baby-stepping your money goals. By prioritizing your bills, you can knock off some big debt quickly and start saving sooner.Read the rest...

How to Save a Fortune on College Tuition

Jessica Bosari — Wed, 16 Jun 2010 16:29:33 +0000

The following is a guest post by Neal Frankle. He's a Certified Financial Planner and blogs at Wealth Pilgrim. Neal writes about taking action steps to improve your financial situation and finding balance at the same time.Read the rest...

Your Questions About Homemade Laundry Detergent Answered

Jessica Bosari — Thu, 17 Jun 2010 23:13:51 +0000

Yes, you can make your own laundry soap. How do you do it?

Making your own detergent isn’t all that difficult. All you need is one bar of your favorite soap, one box of washing soda, one box of borax a five-gallon bucket. It only takes a few minutes of your time and many people swear by it. Still, I've got a few more questions about it. Here's what you need to know and the questions I'm asking about homemade laundry detergent.Read the rest...

How to Save Money on Your Home-Brewed Coffee

Jessica Bosari — Sat, 19 Jun 2010 11:57:51 +0000

My husband and I were recently gifted a Keurig home brew coffee machine. Having used one in the office at my prior job, I have to say it is one of the best products I have ever used. We were supplied with Green Mountain coffee and I was hooked on the French Roast. So when this $150 coffee maker dropped in our laps for free, I was jumping up and down…until I thought about the cost of ownership.Read the rest...

No Credit History? No Problem. How to Get a Credit Card Anyway

savingtools — Mon, 21 Jun 2010 17:23:57 +0000

Here in the US, having a good credit history and credit score is very important. Lenders check your credit score before approving a loan for you. If you need an auto loan, a mortgage, your FICO score will be pulled from one of the three major credit bureaus. Some employers also do that! But is it a real disaster if you have no credit history and you want to take a loan? The answer is not really. Here is how things may work out.Read the rest...

How to Live Happily Ever After: Tips for a Financially Sound Marriage

Jessica Bosari — Wed, 23 Jun 2010 01:27:36 +0000

According to a study by Smart Money and Redbook magazine, 70% of married couples argue about money. In fact, it’s the culprit in about 50% of the marriages that fail. This problem stems from the fact that in most relationships, there is a “spender” and a “saver.” Without proper communication, these two personalities can clash, leading to arguments, stress and unfortunately divorce. Most psychologists agree that having a financially healthy relationship begins before couples tie the knot, and the following tips and ideas can help couples get on and stay on the same page regarding money.Read the rest...

Tips for Managing Unhealthy Spending Sprees

Jessica Bosari — Wed, 23 Jun 2010 16:43:33 +0000

Those with ADD and Bipolarism are particularly susceptible to spending sprees during high-energy episodes, when the drive of the personality trait overcomes the logic of the calmer mind. But unhealthy spending sprees can happen to any of us, especially during times of high stress. It often starts benignly. You purchase something you have been holding off from buying. Then, you decide it’s time to fulfill another desire if you can find it on sale. Before you know it your shopping around and buying much more than you set out to. Sometimes it can run into hundreds or even thousands.

So what can you do to prevent a spending spree or at least curb one that has begun? Here are a few tips to help you manage the spending spree monster.

Read the rest...

6 Ways to Gather Snow Flakes in Summer

Jessica Bosari — Thu, 24 Jun 2010 23:31:54 +0000

As Americans become increasingly serious about living in a debt free environment, the concepts of snowballing and snowflaking continue to gain popularity. In fact, people who have accumulated and carried substantial consumer debt for decades have experienced savings growth and debt elimination by practicing these simple techniques.Read the rest...

Hate budgets? How to Save Money Anyway

Jessica Bosari — Sun, 27 Jun 2010 19:26:33 +0000

Read the rest...

The word ‘budget’ can sometimes be intimidating. It means that you will have to watch what you are spending and account for where your money goes. Many people will say that drawing up a budget can be just as difficult as following it. "Budget" may feel like a four letter word, but it doesn't have to.

10 Sneaky Ways to Save Money

Jessica Bosari — Tue, 29 Jun 2010 00:06:04 +0000

There is no time like right now to take a good hard look at your personal finances and make saving money a goal. The following sneaky little tips and tricks can help you get past that mental hurdle that stops you from growing your savings by helping you avoid the negative emotions associated with saving money. Whether its tricking yourself into spending avoidance or getting little extra bang for your buck, the emotional boost that you get when savings starts to grow makes saving money easier to stay with. Read the rest...

Four Money-Saving Fails: What Went Wrong Here?

Jessica Bosari — Tue, 29 Jun 2010 15:34:52 +0000

Everyone has a money saving style. Unless you're filthy rich and money is not much of a concern, everyone thinks about ways to save. Some people clip coupons, some relish in promotional offers, and others just grab the cheapest product they can find. Some methods work better than others when it comes to saving money. Here are a few examples of common money-saving techniques that often fail.
Read the rest...

5 Tips for Saving Money the Old Fashioned Way

Jessica Bosari — Thu, 01 Jul 2010 00:14:38 +0000

In a time of high tech, many of us are surprised to find that the old ways are still the best ways when it comes to saving money. The same things that helped our great grandparents through the Great Depression can help us now. Our troubles today are nothing compared to life then, so imagine how much more powerful their techniques can be for us now. Here are five time-tested, proven ways to save money that will probably never change. Read the rest...

Life Without Credit Cards? It's Not So Bad

Jessica Bosari — Thu, 01 Jul 2010 15:47:30 +0000

For many people, credit cards are a way of life. Those who find themselves relying on credit cards on a daily basis may have trouble even imagining what life without credit cards could ever be like. The fact is, relying on credit cards to get through life can be a dangerous path to walk, as those who don't make use of the utmost responsibility and care will inevitably find themselves falling behind. Fortunately, it is possible to live life without credit cards, and when the proper tactics are employed, you can enjoy a much better and more prosperous life.
Read the rest...

July 4th Fireworks Cancelled? Five Budget Friendly Independence Day Celebrations

Jessica Bosari — Fri, 02 Jul 2010 20:47:06 +0000

If your community has canceled its annual fireworks display due to budgetary issues, you might be wondering how you can make the 4th of July holiday festive for your family. If your family has budget concerns of its own, you need to find a way to make the holiday special without spending a lot of money. Fortunately, there are plenty of great ways to spend the holiday without breaking the bank. The 4th of July does not have to be about fireworks. Get to the core of the holiday by celebrating country and family.

Read the rest...

A look at the Big Four…Where Can You Get the Cheapest Cell Phone Plan?

Jessica Bosari — Mon, 05 Jul 2010 19:56:45 +0000

The four major cell phone providers in the U.S. offer vastly different performance and pricing, depending on where you live and the type of phone you choose. Getting the most from your cell phone is an important money-saving strategy, so it’s good to take a look back every now and then to see how plans have changed. For this comparison, we’ll look at basic calling plans, unlimited calling, data only and unlimited phone plus unlimited data. These four pricing points should help you in your decision. We've also thrown in pricing on smaller carriers for good measure.Read the rest...

Avoid Strategic Default Penalties: What You Need to do Now

Jessica Bosari — Tue, 06 Jul 2010 11:48:01 +0000

In June 2010, Fannie Mae increased their efforts in spreading a public relations campaign that urged against strategic default and discussed the possible penalties of engaging in a strategic default. Fannie May, or the Federal National Mortgage Association, is a mortgage finance broker owned by the government that stated it would soon start taking legal action against debtors who had chosen to leave behind mortgages despite having the ability to pay them. Fannie Mae also indicated it would change the waiting period for borrowers who wished to receive a new loan after they had experienced a foreclosure from five years to seven years. This policy would affect all borrowers seeking new loans after foreclosures unless borrowers could show to their prospective lender that they had defaulted on their initial loans due to fiscal hardship. Borrowers would also have to had contacted their lenders and sought a workout.Read the rest...

5 Painless Ways to Save Money

Jessica Bosari — Wed, 07 Jul 2010 18:05:38 +0000

Guilt makes you want to slow your spending. Anxiety makes you want to save towards a nest egg. But the process of alleviating these feelings takes so long to show progress, we often feel used and abused before we ever experience relief from our guilt and anxiety. In the beginning of any savings plan, you are likely to feel the same guilt and anxiety that overspending brought you, with the added negative feelings brought on by restricting your spending. So until you can get some positive reinforcement going, it's smart to practice some simple saving tricks that leave you feeling less deprived. Here are 5 painless ways to save that may help you get the ball rolling:Read the rest...

Make appliances last longer

Jessica Bosari — Thu, 08 Jul 2010 12:25:52 +0000

Appliances will never last forever, but the way that we care for our major appliances has a direct impact on how long the appliances last. Properly caring for appliances is the key to making them last for a very long time. It also helps you to save money on your monthly bills as well as on appliance replacement costs. The following guide for appliance care will have your appliances looking great and running efficiently for many years to come.Read the rest...

Five Lessons on the "Up"s and Downs of Financial Life

Jessica Bosari — Fri, 09 Jul 2010 23:21:57 +0000

Disney’s Pixar masterpiece, “Up,” released in 2009, is about more than marriage, adventure, and friendship. Beneath the touching storyline, “Up” is also about the ups and downs of financial life. Finances, actually, determine the plot. It is because of financial emergencies that Carl and Ellie, the starring couple, never get to travel to their dream location, Paradise Falls. It took ruthless urbanization and little temper tantrum to propel Carl, along with the naïve and endearing Russell, to the lush greens and blues of Paradise Falls. But perhaps, if Carl and Ellie had chosen a different financial path, the fulfilling of a dream would not have taken so much and been so long. “Up” teaches some vital financial lessons about what it takes to fulfill your dreams.
Read the rest...

Three Health Insurance Options for College Students

savingtools — Tue, 13 Jul 2010 16:17:03 +0000

Even when you are young and in good health, it is important that you have health insurance. But many young adults skip this important financial failsafe because they feel overwhelmed by the prospect of buying insurance coverage. Although it can be difficult to find the plan that is right for your individual situation, it is important that you take the time to do the research and find the right insurance coverage. Read the rest...

How To Get Out Of An Upside Down Car Loan

Jessica Bosari — Mon, 12 Jul 2010 16:27:50 +0000

What can you do if you are caught in a car you cannot afford? First, you'll probably end up with an upside down car loan. Longer term loans, like the six-year loan in the example, are appealing to many people because it means a lower payment. Many car buyers believe it’s a way for them to buy more car without breaking the budget. The flip side of longer loans, though, is that while you do have a lower payment, you’re also building less equity. Especially with new cars, where the value drops so quickly after the purchase, the value of the vehicle is dropping faster than the balance due on the car loan, leaving you upside down.Read the rest...

Save $100 or More on Home Networking with this Simple Tutorial

Jessica Bosari — Thu, 15 Jul 2010 18:38:51 +0000

A decent print server will run you between $40 and $180. If you decided to replace your printer with a wireless one, you’re looking at about $100. An external hard drive can run between $80 and $150. By using your old Windows PC, you get the capability of these kinds of expensive hardware for free. This tutorial assumes you have a wireless router in your home and high speed Internet.

Read the rest...

Five Retirement Pitfalls to Avoid

Jessica Bosari — Fri, 16 Jul 2010 01:58:35 +0000

The economy continues to sputter, with the stock market’s highs and lows looking like an EKG readout. It’s easy to become distracted by immediate needs and forget the importance of retirement planning. Many of us have the best of intentions with our retirements plans, but make mistakes that catch up with us when we can least afford it: during retirement. Look at these five pitfalls and be sure you avoid them. Read the rest...

Five Good Reasons to Dip Into Your Emergency Fund

Jessica Bosari — Mon, 19 Jul 2010 20:29:57 +0000

Hopefully you have a fund containing enough to cover your regular living expenses for at least three months. Such emergency funds have never been more important than now. If you haven’t yet been forced to dip into that account, you’re probably one of those contemplating it after a layoff or as the bills get harder to pay every month. At what point is your situation an emergency? When should you throw in the towel and accept that you need to use some of that emergency money you have been stashing away?Read the rest...

3 Personal Finance Software Solutions for the Monetarily Challenged

Jessica Bosari — Tue, 20 Jul 2010 18:34:10 +0000

Let’s face it. We’re not all financial geniuses. Some of us need help in figuring out budgets and sticking to financial plans. One way to get help is to use financial software that helps you with the mathematics, planning and decision making involved in personal financial planning. By getting familiar with the different types of software out there, you can choose the program that is right for you and your needs. Read the rest...

For Richer or for Poorer: 5 Strategies for Sticking to Your Marriage Vows

Jessica Bosari — Wed, 21 Jul 2010 20:18:09 +0000

According to MarketWatch, approximately one-third of couples site finances as the most stressful part of their relationships. A shocking 91% of Americans try to avoid talking about money with their partners. No wonder half of divorces attribute money as the cause. If we can’t talk about the problem, we can’t fix it. And when times or tough, communication is the key to emotional survival. Here are some marriage survival tips to help you keep your promise to love each other through both good times and bad. Read the rest...

The Cost of Commuting...Should You Drive or Ride?

Jessica Bosari — Thu, 22 Jul 2010 13:42:41 +0000

In today's economy everyone wants to save money. One of the the biggest budget entries for some is the cost of commuting. The good jobs are in the city, but the affordable living remains in the suburbs. That leaves many of us in a position with three choices, none of which seem like a good idea. We can drive an hour or more in highway traffic, drive to the commuter parking lot and take public transportation, or share a ride with someone. When it comes right down to actual dollars and cents there is a best choice, but many of us find the mst affordable option so unpleasant, we'd rather spend the extra money.

Read the rest...

Five Money-Saving Resources for Seniors

Jessica Bosari — Fri, 23 Jul 2010 13:29:01 +0000

Many individuals and families have been hurt by recent events in the economy and job market and a lot of those hurt has been the older segment of our society. Many of these "seniors" have had to quit working earlier than planned due to job loss and being unable to find other employment and have perhaps been somewhat unprepared for their premature reduction in income. Others hurt by the poor economy are those who have already been receiving Social Security benefits but who are struggling with the increase in housing costs, as well as in food, gas, medical, and other living expenses. In many cases, seniors aren't aware of what is available to them in financial assistance and help. The following are a few money saving tips that may help seniors cope with day-to-day expenses.Read the rest...

10 Uses for Silly Bandz® and Rubber Bands That Save You Money

Jessica Bosari — Mon, 26 Jul 2010 13:44:28 +0000

Rubber bands, often acquired for free when they come wrapped around produce or newspapers, can be found in many households just hanging around in a drawer or wrapped around a doorknob waiting for an opportunity for a second life. These days, there are probably 100 or more Silly Bandz® hanging around your kids room. Any day now, they'll be "so last week." Put that forgotten fad to work in your home with some creative ways to re-use rubber bands and save some money in the process.Read the rest...

How To Save Money Scrapbooking

Jessica Bosari — Tue, 27 Jul 2010 16:18:27 +0000

Scrapbooking is a fun craft and a beautiful way to showcase family photographs for future generations. But for many of us, it’s just too expensive. Just a stack of decorative papers can cost $20. Stamps can go for $50. Cutters for hundreds. So what’s a frugal family photographer to do? Find ways to make beautiful scrapbooks for next to nothing. This fun and meaningful hobby doesn’t have to cost a lot. Sometimes, you can do it for free!

Read the rest...

Should I Throw That Out? A Guide to Food Expiration Dates

Jessica Bosari — Wed, 28 Jul 2010 12:00:25 +0000

Did you know that Americans throw away $75 billion dollars in food every year? It's true. According to a University of Arizona study on US Food Waste, the typical American family discards 14 percent of the food purchased in a year, which usually amounts to about $600. That's bad practice for cash-strapped families. Much of the waste is due to confusion over food safety. Sell-by dates and expiration dates can confuse consumers.Read the rest...

Scientific Discovery Turns Discarded Cooking Oil Into Energy Savings

Jessica Bosari — Thu, 29 Jul 2010 17:08:11 +0000

In the past building roofs were either a light colored or a dark colored roof. The light colored or "cool roof" was supposed to reflect the sunlight beating down on the structure and keep the building cooler, lowering the energy bill. However, in the winter months the heat escaped which caused a rise in the energy bill. In contrast the dark roof trapped the heat in the summer raising the energy bill, while in the winter the heat was held in lowering the energy bill. In other words either way you were stuck with a high bill at some point. But now there is a end in sight to this dillema.Read the rest...

Seven Ways to Avoid Online Scams and Rip-Offs

Jessica Bosari — Sat, 31 Jul 2010 00:13:32 +0000

While some helpful tools are making it easier to avoid scams online, some of us still fall prey to deals that look sweet but turn out sour. The con man, flimflam man, rip-off artist, scammer and cheat have always been with us. The ways of scamming may change, but the intent is the same. They want your money.

Coupon moms and deal seekers may be especially vulnerable because we do find incredible deals from time to time that look too good to be true, but turn out pretty darn fabulous. So how can we avoid scams and rip-offs while still finding incredible bargains and offers? By arming ourselves with knowledge.Read the rest...

5 Cheap Home Decorating Ideas

Jessica Bosari — Mon, 02 Aug 2010 14:57:01 +0000

Whether decorating a first home, or altering the appearance and character of an already existing home, many people hope to do so with as much imagination and with as little monetary investment as possible. Some may need to economize out of necessity, while others just enjoy the challenge of decorating creatively without breaking the budget. In addition, of course, there are those who are concerned about the environmental impact over-consumerism has on our planet and try to decorate with that in mind.Read the rest...

A Condiment Cost-Cutting Guide, Part I

Jessica Bosari — Tue, 03 Aug 2010 18:57:07 +0000

Don’t run out to the convenience store to pay three-times the value of ketchup next time you run out. Just make your own. You can make most condiments right at home, often for less than you would pay to buy them, even on sale.

There are so many condiments you can whip up at home, we had to break it up over a few articles. Today we’ll cover a foundation of essential condiments and tomorrow will move on other condiments you can make with them. Finally, we’ll look at salad dressings in the last part of this series.

Read the rest...

How to Save up to 60% on Dental Care

Jessica Bosari — Wed, 04 Aug 2010 10:01:55 +0000

Dental care is a service we all need but hate to pay for. It’s often unpleasant, sometimes painful, and it always costs a lot of money. Most of us shrug our shoulders at the high cost, not realizing there are ways to save. But if you know how to go about it, you can save thousands on dental care. Read the rest...

A Condiment Cost-Cutting Guide, Part II

Jessica Bosari — Thu, 05 Aug 2010 13:06:40 +0000

If you followed our Condiment Cost-Cutting Guide, you’d be glad to see these follow up recipes that use some of the condiments described in Part 1.

Many of the recipes here are made with simple and affordable recipes for basic condiments. When you have just a few essentials on hand, it’s easy to whip up other commonly used sauces, spices and dressings. It’s often cheaper than buying it at the store and certainly much more convenient than running out to the store when you are in a pinch.

Read the rest...

A Condiment Cost-Cutting Guide, Part III

Jessica Bosari — Fri, 06 Aug 2010 14:18:04 +0000

If you enjoyed the condiment recipes in our Condiment Cost-Cutting Guide, Part I or Part II, then you’ll love this follow-up containing salad dressing recipes.

Most popular dressings can easily be made at home. Whether you prefer Thousand Island (Russian), Ranch, Italian, Honey Mustard or my favorite “Whatever is Left” dressing, all you have to do is combine the ingredients listed. Let the mixtures sit in the fridge for a day to give the flavors a chance to meld. Oil and vinegar mixtures should go in the blender for about 40 seconds to mix properly.Read the rest...

Guest Post from In the Trenches: Set Your First Financial Goal

Carol Schultz-Weil — Wed, 11 Aug 2010 01:09:18 +0000

Today's guest post is from Carol Schultz-Weil, author of In The Trenches, a personal finance survival guide intended to help people just like you overcome past financial disasters to build a better and stronger financial future.

Life is like a treadmill…if we don’t make a conscious effort to keep moving forward, we will automatically begin to slide backward.

This is true of every area in our lives, whether it be relationships, health, finances, or even house cleaning. The momentum of our decline can even speed up when unexpected tragedies and events occur. I wrote In The Trenches to help others keep moving forward rather than sinking backwards.

In The Trenches, what does that sound like to you? The term it is one commonly associated with the military and conjures associations of a battlefront. Indeed, In The Trenches is a defensive posture with an offensive goal. "How does it apply to finances?" you may wonder? Read the rest...

You're Only as Beautiful as Your Budget: Get More Beauty for Your Buck

Jessica Bosari — Mon, 09 Aug 2010 19:26:47 +0000

Every woman wants that put-together look found at professional spas, salons, and in upscale makeup stores. No one, though, wants the extra wrinkles that come with the stress of paying for it all. You've lost enough beauty sleep over the recession. Now, let the sluggish economy provide you with ample opportunities to save money as beauty companies work harder for your loyalty. As an extra bonus, the recession means that saving is in and Grandma's tips are making a well-deserved comeback.
Read the rest...

Living on One Income: How to Make it Work

Jessica Bosari — Wed, 11 Aug 2010 13:59:51 +0000

Even in the best of financial times, living on one income is a challenge. From necessities like food, shelter, clothing, medical bills, transportation, and taxes to "wants" like entertainment and leisure, the drains on a family's financial resources are many.

This is especially true in this American society built upon conspicuous consumption. Living frugally can seem impossible and unfair, especially when it seems that so many other people live wasteful lives. How does a family manage not only to survive, but to prosper with only one income?

Read the rest...

5 Ways to Save on Your Next Disney World Vacation

Jessica Bosari — Thu, 12 Aug 2010 15:02:40 +0000

Yikes! Disney World recently raised its admission rates, from $79 to $82 for adults, and from $68 to $74 for a child under 10 years of age. That’s per day! With the economy struggling, many families are looking at that and wondering, how can a family afford a Disney vacation without breaking the bank? The answer lies in these money-saving suggestions.

Read the rest...

Be a Frugalista: SavingTools's Fall Fashion Guide

Jessica Bosari — Fri, 13 Aug 2010 15:03:16 +0000

Read the rest...

For working professionals, the relaxed summer dress code is coming to an end. It’s time to start looking for suits, dresses and other professional clothing. This might be your first year as a frugalista, or maybe it’s just time to update the wardrobe. When it comes to career clothing, you need to dress for the job you want, not the job you have.

But looking sharp doesn’t have to cut a hole in your wallet. You can get the clothes you like and project the image you seek without spending a fortune. It’s not so hard to be frugal and have nice clothes at the same time.

7 Financial Tips for Newlyweds

Jessica Bosari — Mon, 16 Aug 2010 18:57:40 +0000

Getting married should be the stress free, time-of-your-life experience you've always dreamed of. More often than not, however, improper financial planning can be all it takes to cause stress, fights and even divorce soon after the wedding date. Here are ten financial tips that all potential newlyweds should take into consideration BEFORE getting married. Read the rest...

Tips for Becoming a Coupon Crusader

Jessica Bosari — Tue, 17 Aug 2010 18:58:21 +0000

Looking for bargains, no matter how small, can be a way to save money on the things that we need every day. Prices are inching ever upward, wages are stagnant, the dollar is weak and companies are selling smaller packages of the same product, at the same larger price. Manufacturers are cutting quality to save costs, but aren’t passing the savings on to you. Read the rest...

Even if we have no say with how companies market their products, we can have a say in what we buy and how much we pay for it. By using coupons, we can save money and find a subtle way of letting big business know that their prices are too high.

How Do You Measure Wealth?

Wed, 18 Aug 2010 17:04:18 +0000

The current economic recession has taken a wrecking ball to society’s airy pursuit of endless wealth. American has lost its Midas touch, and only the phantoms of past success remain. But in the desert of this depression lurk small and beautiful flowers. Towers of treasure have tumbled down, but in the rubble, families have found joy and friendship. The minimalism and conservationism adopted by society has forced families to come together, both economically and socially, and thus they have become more than relatives; they have become friends.Read the rest...

How to Use Credit Cards Responsibly

Jessica Bosari — Thu, 19 Aug 2010 23:59:12 +0000

So what’s the big deal about credit anyway? We’ve mentioned before that life without credit cards is not that bad. The truth is, you don’t really need them at all…not to build credit, not to buy things, nothing at all. While not necessary, credit cards do make life easier and they are one of the most convenient ways to build credit. Add to that reward programs that can put extra cash in your pocket. Credit cards can offer big advantages, but only for those who use them responsibly. But what exactly does “responsibly” mean when it comes to using credit cards?Read the rest...

How to Stay Positive in the Down Economy...without being a Polyanna

Jessica Bosari — Fri, 20 Aug 2010 18:12:21 +0000

Staying Positive in a Down Economy might seem like a contradiction or something hard to achieve for many people who are going through rough times. A down economy affects all sectors of the population; it even affects people who are wealthy, as they watch their investments plummet. Although every sector suffers the effects in different degrees (some might not even have a home anymore or food), everyone has the power to adjust their attitudes toward their current situation and look for the positive inside the suffering.Read the rest...

5 Ways to Save Money on Hair Care

Guest Blogger — Mon, 23 Aug 2010 10:43:16 +0000

While women typically spend more money on haircuts than men, financing haircuts, not to mention color and styling, really adds up. Cut that hair budget down by thinking about ways you can minimize costs. Here are some ways to save money when it comes to haircuts:Read the rest...

Why Buying New Rarely Makes Good Sense

Jessica Bosari — Tue, 24 Aug 2010 15:57:47 +0000

The vast majority of purchases we make are a giant waste of many...especially if you're buying them new. Think about how much you spend on clothing at department stores. For every $100 you spend at a department store, you can find $1,000 - $4,000 worth of clothing second hand. Suddenly, that $500 you need to put aside for your clothing budget shrinks to $50. To be a smart shopper and keep money in your pocket, check out secondhand products.Read the rest...

Start Saving Money at the Movie Theater

Jessica Bosari — Wed, 25 Aug 2010 20:37:18 +0000

We all like to go to the movies, but with the economy the way it has been and prices that seem to rise every year, going to the movies just isn't the cheap distraction it used to be. With movie tickets climbing above the ten dollar mark and concessions quickly adding up to more than double that, a night out at the movies can quickly run an entire family over a hundred dollars. Fortunately, it's possible to have an enjoyable night out at the movies without spending a week's pay, so long as you take into consideration a few key elements that can help save you money.Read the rest...

What to Do When You're Saving too Much Stuff

Jessica Bosari — Thu, 26 Aug 2010 14:15:15 +0000

Skokie, Illinois fire rescuers recently drilled a hole in the ceiling to rescue an 82 year-old woman from her apartment. They couldn’t use the door because the space was piled to the ceiling with hoarded stuff. Earlier this year, an El Paso, Texas woman died by fire when the newspapers she had hoarded fed the flames. Firefighters couldn’t get through the clutter to save her. These may sound like extreme cases, but hoarding is becoming an ever-increasing problem. Those who find themselves in cluttered surroundings could end up like one of these women if they don’t take steps to clear up the clutter now.Read the rest...

Taking the Plunge Into Dumpster Diving: Do it Right, Get Free Stuff

Guest Blogger — Fri, 27 Aug 2010 18:16:39 +0000

Ewww! You might think. Dumpster diving? Climbing into a big box full of people’s trash is not for everyone, but that’s not what dumpster divers really do anyway. By using some common sense and keeping your wits about you, you’ll find used but useful items, some of which may even be valuable. It's an environmentally sustainable practice that saves money and reduces landfill waste. Here are some tips for embarking on your treasure hunt:Read the rest...

Is Real Estate Really Dead?

Jessica Bosari — Mon, 30 Aug 2010 12:23:10 +0000

A recent NY Times article titled, "Housing Fades as a Means to Build Wealth, Analysts Say,” came out with gloomy statement: “…many real estate experts now believe that home ownership will never again yield rewards like those enjoyed in the second half of the 20th century, when houses not only provided shelter but also a plump nest egg.” The article goes on to quote one silly economist as saying, “People shouldn’t look at a home as a way to make money because it won’t.”

Read the rest...

Stockpiling for Savings: A Short Guide

Jessica Bosari — Tue, 31 Aug 2010 12:23:26 +0000

The economy today has problems everywhere. One of those problems is the rising prices of groceries. Groceries are costing more and more each year. People are no longer getting the same cost of living increase raises they used to get, meaning grocery shopping is increasingly straining. Despite the difficulties, there are many ways to save. One of the best ways is to stockpile products when you see great sales.

While costs may be high, many stores have incredible weekly savings designed to draw people to the store. These usually require signing up for the bonus program, which is free of charge. When you see great deals, it's a smart idea to pile up on things.

Read the rest...

How to Get More Money Every Month from Social Security

Jessica Bosari — Wed, 01 Sep 2010 13:11:06 +0000

What would you say if someone told you to give back all the Social Security checks that you have received thus far? You might tell them to go pound sand, or you might consider what advantage you could gain from re-filing for Social Security benefits at an older age. For some retirees, this can be a way to get more money every month from their Social Security payments.

Read the rest...

Five Steps to Choosing the Best Rewards Program Credit Card

Jessica Bosari — Thu, 02 Sep 2010 13:34:16 +0000

It seems like every credit card has some kind of rewards program these days. Figuring out the best rewards program for you can sometimes be confusing. Researching the topic reveals so many different numbers – three percent reward on these purchases, one percent on those purchases, a cash back option, a gift car option, and many others. Read the rest...

It sounds like an awful lot of math to calculate. But finding the best rewards program for you is easier than it sounds. Follow the tips below to find out how to choose the best cash back credit card for you.

How Decluttering Can Save You Money

Jessica Bosari — Fri, 03 Sep 2010 21:53:39 +0000

Reduce Your Taxable Income by as Much as 30 Percent when You Declutter by Donating

Decluttering is an important part of saving money. Why? Because the fewer things you have, the greater value each item accumulates. It is the law of supply and demand in action. When there is ample supply of much around you, there is little value in those things. If you had only two shirts in your closet, would you be so nonplussed if you spilled ketchup on one? The point is that making the things you own more valuable psychologically helps you place a greater value on the things you are about to buy. Is it worth having this new item in your home? Do you want to spend the money on it? The less stuff you have, the more likely you are to answer that question, “No.”Read the rest...

Old Cars Are the Best Cars – How To Keep Them Running

Jessica Bosari — Tue, 07 Sep 2010 01:30:26 +0000

If you are fortunate enough to acquire an old car, you will want to know how to keep it running as long as you can and as cheaply as you can. Since the older cars do not require computer diagnostics and do not have smog devices, catalytic converters or other newer technologies, they are easier for a novice to fix when something goes wrong. Even without experience, you can do much of the maintenance yourself if you don’t mind getting a little greasy. You can buy a manual, or check one out at the library.

Read the rest...

What Every Consumer Should Know About Penny Auctions

Jessica Bosari — Wed, 08 Sep 2010 02:08:30 +0000

The concept of a penny auction is both simple and brilliant. It’s not like a normal auction where bidders compete to purchase an item by arbitrarily raising the price, resulting in higher sale prices for the auctioneer. Traditional auctions let buyers find rare items. They’re not about saving money. But penny auctions are just the opposite.

Read the rest...

How to get the best price (and a great loan) on a new car

savingtools — Thu, 09 Sep 2010 12:36:18 +0000

1. Know the type of car you want to buy beforehand: Set a sensible price range for the car you want to buy and stick with it. Your monthly car payments and related expenses should not exceed roughly 20% of your monthly net income. Car shopping is a lot easier when you already know which vehicle you want to purchase, plus a buyer with an objective goal in mind is a lot less likely to be swayed by persuasive sales techniques. Also, getting price quotes from competing dealers or sellers is always something you should do.

2. Target your shopping: If you want a hip fuel-sipping commuter, you may not get a great deal on popular cars like the MINI Cooper or new Honda Fit. You'll do better looking at the Toyota Yaris and Nissan Versa -- two good cars that are overshadowed by their competitors. Also, don't be afraid to go against the current trend: most shoppers are staying away from SUVs and trucks now, which means that you can finally get that bit diesel rig you’ve been eyeing to haul your fifth-wheel, or a slick Chevy Tahoe you and the family’s always wanted.Read the rest...

Saving Money with an Urban Garden

dlawwill — Wed, 08 Sep 2010 10:47:40 +0000

Having a garden is a great way to save on grocery costs, especially if it is used to grow fruits, vegetables, and herbs. Rather than spending $4-5 on herbs for grandma's sauce, or substituting simple salt and pepper, can have your sauce and eat it too. People who live in urban areas often believe they lack the luxury of space needed to grow a garden. While this may be true in the more traditional sense of gardening, you can still grow most of the plants you want to regardless of whether you live in the country, in the city, or in the suburbs. The following steps can help ensure your success at growing an herb garden.

Read the rest...

Tips to Save Money on Relocating Costs

dlawwill — Thu, 09 Sep 2010 11:17:59 +0000

Moving can be challenging and expensive. But there are a number of small things you can do to save on moving costs. Planning for a move should be done at least a few months in advance to allow you the proper time to save money, make new living arrangements, and find a new job. Read the rest...

How to Have a Fun and Frugal Halloween Celebration

dlawwill — Fri, 10 Sep 2010 11:46:34 +0000

Halloween has a long, rich history dating back 2,000 years to the Celtic peoples living in Northwestern Europe. During this time, the festival was called Samhain. It was celebrated on November 1 to mark the start of a new year as the Celtic calendar was not the same as the calendar that we use today. Halloween is a fun and cherished holiday for children and often adults alike and can be made even better with the creativity and craftiness that frugal living brings.

Read the rest...

Tailgating for Less: Fun Tips for Football Season Savings

Guest Blogger — Mon, 13 Sep 2010 18:29:34 +0000

Did you catch the game? The much-anticipated football season is finally here! Many fans look forward to tailgating just as much as they do the actual game. Throwing a football, drinking beer, and causing mayhem in parking lots are fun ways to pre-game. But, paying high ticket and food prices every time you want to hang out with your friends will be expensive. Here are some ways so have a great tailgating experience without breaking the bank:Read the rest...

The Top 5 Grocery Coupon Websites

dlawwill — Tue, 14 Sep 2010 20:07:33 +0000

Grocery shopping does not have to be an expensive venture. As grocery costs continue to rise throughout most of the country, many people are looking for ways to cut costs on grocery shopping. Additionally, many people enjoy the added convenience of shopping online. The following five websites can help you save quite a bit on weekly groceries. Read the rest...

Simple Ways to Create an Energy Efficient Home on a Budget

dlawwill — Thu, 16 Sep 2010 02:31:46 +0000

With utility costs on the rise, many families are looking for simple ways to cut heating and cooling costs in their homes. Creating an energy-efficient home does not have to be expensive. Many modifications are free or cheap. In the long run, you’ll save plenty of money on heating and cooling costs.

Read the rest...

No Contract Cell Phones: Comparing Plans from Straight Talk, Metro PCS, Cricket and Boost Mobile (Part I)

dlawwill — Sat, 18 Sep 2010 12:37:46 +0000

Prepaid phone plans are more popular than ever as people realize that they don’t have to be hassled or tied down by contract-only phone plans. While prepaid phones haven’t traditionally been as good as contract phones, competitive companies like Boost and Straight Talk are changing the game. Some of the most popular prepaid phone plans in the U.S. include Straight Talk, Metro PCS, and Boost Mobile. Let's take a look at how these phone plans compare.

Read the rest...

No Contract Cell Phones: Comparing Plans from Straight Talk, Metro PCS, Cricket and Boost Mobile (Part II)

dlawwill — Sun, 19 Sep 2010 13:11:08 +0000

This post continues our review of No Contract Phone Plans, See Part 1 for a comparison of Straight Talk and Metro PCS.

When shopping for a new phone, it’s important to weigh all of the positives and negatives of each phone plan. Boost Mobile and Cricket are fairly well-known names in prepaid phone services. Both services offer low-cost, prepaid phone plans.

Read the rest...

Save Over $5,000 on Your Car Loan with MoneyAisle

MoneyAisle.com — Tue, 21 Sep 2010 17:42:46 +0000

These days, people are looking into new and easy ways to save money. Whether it is a coupon for groceries or cutting back on eating out, gas consumption, usage of electricity – you name it, people are doing it. Americans are becoming savvier shoppers, interested in living their lives, but in a more responsible way. These saving efforts don’t have to be limited to material items or the obvious cuts around bills. Another way people are saving is by refinancing, which saves quite a lot of money for only a little bit of work.Read the rest...

The're at it Again! How Credit Card Companies are Trying to Dupe Consumers

Jessica Bosari — Mon, 20 Sep 2010 17:44:25 +0000

The introduction of credit cards in the early nineteen fifties created an economic monster that has rapidly drained the life blood out of the economy of the United States. Credit cards have become addictive, creating a nation of credit junkies. The usage of credit cards has increased the cost of living by twenty to thirty percent or more for consumers, while filling the coffers of the credit card companies with trillions of dollars in interest. While the CARD act, enacted in May 2009 and put into effect February 2010 changed some of that, the companies have found a loophole and are already trying to exploit consumers with it.Read the rest...

How to Get a Better Deal, Even After the Promotional Period Expires

Stella Louise - Savings.com — Wed, 22 Sep 2010 11:11:42 +0000

A while ago I blogged about negotiating to save money and recently I had the opportunity to put those skills to the test. When my DirecTV charge appeared on a recent credit card statement at $30 higher than usual, I knew it was time to unleash my well-honed customer service navigation skills. Read the rest...

10 Reasons to Go Through a Credit Union

dlawwill — Thu, 23 Sep 2010 13:59:26 +0000

Credit unions have become more popular than ever. With banks receiving so much bad rep for unscrupulous practices and for the largest recession since the Great Depression, many people are searching for safer and better alternatives. The days of going through a bank or having loose cash lying around in your home are over. The following are 10 reasons to go through a credit union instead of a bank.Read the rest...

How Health Insurance Reform Will Affect Your Health Care Costs

dlawwill — Sat, 25 Sep 2010 00:34:51 +0000

Health Care Reform, also known as the Affordable Care Act, will have a significant impact on how Americans receive health care services. It will also change the way many people finance their health care. In 2009, there was a lot of passion and a lot of misinformation on both sides of the political aisle. Therefore, it is important to know exactly what the facts are and how this bill will affect your health care decisions.Read the rest...

The No-Student-Loan College Education: How to Make it Work

dlawwill — Mon, 27 Sep 2010 20:38:16 +0000

Student loans are an unfortunate reality for many new college graduates. Another stressor for new graduates is the wondering of how they will pay their loans back without suitable employment. Fortunately, student loans are not the only option for paying for college. If you’re ready to enter college but don’t want to take on an enormous burden of student loan debt upon graduation, learn ways in which you can attend college without taking out expensive student loans.Read the rest...

How to Ace Your Life Insurance Exam

Jessica Bosari — Tue, 28 Sep 2010 09:11:43 +0000

Getting a great rate on your life insurance usually means passing a physical exam with flying colors. This can make many of us anxious before a physical. But you can relax knowing just what they'll check for and what you can do to prepare. In fact, these suggestions are all good ways to stay healthy in general, so it's good practice to make them regular habits in your everyday life!Read the rest...

How to Save Money on a New Apartment

dlawwill — Thu, 30 Sep 2010 01:38:20 +0000

Finding a new apartment can be incredibly tiring as well as expensive. However, there are certain precautions that you can take to avoid paying incredibly high prices for an apartment. Learn what you can do to save money on a new apartment.

Read the rest...

How to Save Money on U.S. Travel

dlawwill — Fri, 01 Oct 2010 01:44:34 +0000

Planning a family vacation in Cali? Want a romantic getaway in sunny Miami? How about an exciting weekend in New York City? Has the stagnant economy made you want postpone the vacation this year? Before you plan a backyard BBQ instead of your yearly vacation, look at some ways that you can save a little cash on U.S. travel.
Read the rest...

How to Save on Video Games Consoles and Games

dlawwill — Sat, 02 Oct 2010 01:51:31 +0000

Video games are no longer just for kids. Gaming platforms such as the Playstation (1, 2, 3, and Move) and the Xbox 360 have fans and gamers of all ages and types. Slowly but surely, gaming has been brought to the world as a more mainstream form of entertainment. However, video games – like movies – have become expensive.Read the rest...

Five Money-Saving Tips for Your Small Business Startup

dlawwill — Tue, 05 Oct 2010 02:01:09 +0000

Starting a business - whether it is a brick and mortar establishment - or an online venue it can require a significant amount of time and capital to start. Thankfully, the web provides several shortcuts to bypassing the costs that most traditional business owners have to pay when beginning their businesses. Learn a few ways to save when opening an online business.Read the rest...

How to Save for a Large Purchase

Jessica Bosari — Tue, 05 Oct 2010 18:27:44 +0000

Alright honestly, who likes saving money? Not too many people. The savings rate before the recession started proves that. However, there are times when it must be done. Not being able to purchase a needed vehicle may make your life a little more difficult. While saving for large purchase is not something that you can do overnight, these tips can help.Read the rest...

Five Ways to Find Affordable Used Baby Clothing

dlawwill — Wed, 06 Oct 2010 23:43:32 +0000

Having a baby is an exciting time in one’s life. There are so many new things to learn and so much to do in so little time. One of the most important, and sometimes one of the most expensive, things that come with having a new baby is finding new clothing for that baby. New baby clothing can be incredibly expensive, and dressing your sweetie up in brand clothing can cost even more. Thankfully, there are ways for new mothers can save on baby clothing from newborn to toddler.Read the rest...

What the Expiring Bush Cuts Will and Won't Do for You

Jessica Bosari — Thu, 07 Oct 2010 23:55:59 +0000

The tax cuts that former President George W. Bush implemented while in office will expire at the end of the year. There are some favorable tax cuts that may be extended, but for now, there are major changes coming that will affect many Americans. There is a common misconception that the expiration of the Bush tax cuts will only affect individuals in the highest two tax brackets. This is not true. There will be changes that will affect lower- and middle-class individuals as well.Read the rest...

The Do's and Dont's of Personal Finance

Jessica Bosari — Fri, 08 Oct 2010 16:00:46 +0000

When you think about your personal finances, you have to think about what works best for you. The same thing that works well for one person may not yield the same results for the next person.

However, there are do’s and don’ts that all individuals should pay attention to regarding their finances. Here’s a list of things that you should implement into your personal finance strategies, and some things you should avoid at all possible costs.Read the rest...

How Social Savings Can Increase Your Savings Exponentially

Jessica Bosari — Mon, 11 Oct 2010 14:56:38 +0000

Social savings sites developed almost a decade ago as a means for students, homeowners and other individuals to obtain financial goals for various needs or desires including college, home improvement or vacations. Similar to online savings accounts, various sites contain different features that assist in building a financial resource. All of the sites allow designated persons the option of contributing towards a goal.

Read the rest...

Top Ten Signs You Need a Financial Makeover

Jessica Bosari — Tue, 12 Oct 2010 15:06:21 +0000

Not unlike facing parents after mischievous events or having to pull weeds on the weekend, dealing with financial problems is an unpleasant task. Sticking one’s head in the sand and hoping it will all go away, does not solve the problem. The effects of procrastination only compound the dilemma. Curtail financial devastation by recognizing early warning signals and adopting a proactive approach. Learn the top ten signs you need a financial makeover.Read the rest...

The Trap of Interest Free Loans

Jessica Bosari — Wed, 13 Oct 2010 15:24:11 +0000

With the change in the economic climate, people behave more conservatively when it comes to spending money. This is especially true when parting with hard-earned wages for large-ticket items. In an effort to attract consumers, retailers use techniques to make products appear more attractive and affordable. Such is the case with credit card companies, and car dealerships who offer low to 0% interest loans. While this free money appears very attractive, consumers must be aware of the trap of interest free loans.Read the rest...

How to Win at the Credit Card Game

Jessica Bosari — Thu, 14 Oct 2010 15:34:03 +0000

Getting into financial trouble using credit cards is not so hard. Because no actual money exchanges hands, consumers often fail to think about the impending charges until the bill arrives and must be budgeted into the monthly expense account. Many experience financial devastation in part, from misuse of credit cards. To avoid possible pitfalls and use credit effectively, consumers must acquire knowledge on how to win the credit card game.Read the rest...

16 Ways to Do Well By Doing Good

Jessica Bosari — Fri, 15 Oct 2010 12:21:07 +0000

In most instances, people find as much pleasure in giving as the recipient obtains from receiving. Though monetary donations go a long way to help many fine charities, many people caught in the turbulence of the economy understandably cannot afford to part with finances. But there are countless other ways people can provide donations. Being charitable does not necessarily include giving money.Read the rest...

Are You Saving Money or Just Spending Less? Why You Need to Do Both

Jessica Bosari — Mon, 18 Oct 2010 10:07:04 +0000

If you buy a flat screen TV at 20% off the retail price, saving over $100, what happens to the savings? Are you saving money or just spending less? The answer is more than likely no to both questions. Do people actually SAVE the money, or are the “savings” diverted onto yet another sale? In this instance, saving is a misnomer.Read the rest...

What to do When the Financial Road Gets Rocky

Jessica Bosari — Tue, 19 Oct 2010 15:23:11 +0000

Most people learn from an early age that devising a plan helps in accomplishing goals. People methodically research what time and efforts an accomplishment requires and proceed to follow the necessary steps involved in reaching the desired result. This philosophy also applies to the financial world. A fundamental rule for achieving profitable finances involves having a strategy. But it’s never sunny all the time. Unexpected situations may temporarily derail objectives, but it is important to know what to do when the financial road gets rocky.Read the rest...

Want to Be Debt Free? Fake It Till You Make It!

Jessica Bosari — Wed, 20 Oct 2010 15:26:28 +0000

Everyone has heard the adages about how you live your life. You are what you eat. You are judged by the company you keep, and so on. Many of these philosophies also apply to financial success. Fake it till you make it is the strongest of them all. You might be thinking that acting like a wealthy person means you should run out and buy luxurious toys and take expensive vacations but that’s not how wealthy people really live. That’s how people who had wealth and lost it all do it.Read the rest...

Techniques to Pay Down Debt: Math or Emotion? They Both Work!

Jessica Bosari — Thu, 21 Oct 2010 13:57:16 +0000

The current economic situation caught millions of Americans off guard. However, the circumstances may well be the motivation that encourages people toward permanently eliminating debt from households. Statistics indicate that consumer debt surpasses $2 trillion and that mortgage debt exceeds this amount by 4 times. In some locations, unemployment escalated to over 15%. Overall, jobs are in short supply and many positions no longer exist.

Read the rest...

Top Five Saving Moves for 2010 Income Taxes

Jessica Bosari — Fri, 22 Oct 2010 14:07:27 +0000

It is now the time of the year where many consider what financial decisions to make in order to reduce tax debt. Those experiencing job loss or wage cuts this year due to the recession, automatically endure less of a tax burden. However, for others, the end of 2010 signifies the completion of the Tax Relief Act, which means future restrictions on personal exemptions and itemized deductions.Read the rest...

Buying a Used Car – How Much Can You Afford?

MoneyAisle.com — Mon, 25 Oct 2010 21:10:52 +0000

The first step to buying a used car is determining how much you can comfortably afford. Doing so before you begin shopping will prevent you from disappointment, or worse, a rash decision to buy a car that is beyond your means. There are three key pieces of information that you should nail down first: your down payment and your monthly payment.Read the rest...

Seasonal Jobs That Can Inject Some Life into Your Savings Account

Jessica Bosari — Tue, 26 Oct 2010 20:39:39 +0000

People have experienced many financial hardships linked to the current economic situation. Many lost jobs or endured deceased working hours. Many individuals exhausted unemployment and savings resources. The necessity to tighten budgets and reduce consumer spending leaves families without a means to replenish savings or retirement accounts, pay down debt or indulge in a simple night out. Financial experts encourage individuals toward generating some form of supplemental income to accelerate debt repayment and to replenish or resume savings accounts.Read the rest...

Two Ways to Save Hundreds on Prescription Medications

Jessica Bosari — Wed, 27 Oct 2010 19:59:38 +0000

I was recently put in a tough spot when my health insurance lapsed because my husband changed jobs. Cobra was not available to us for varied and complicated reasons. So until December 1, my husband and I are on our own. Our medications aren’t cheap either. His treatments are $5,000 every six weeks. My medication is $300 per month just for the generic. This is how we are managing to get through without losing our shirts.Read the rest...

Your Credit: Joint Cardholder or Authorized User?

Jessica Bosari — Thu, 28 Oct 2010 18:42:45 +0000

Many consider owning joint credit cards with spouses, family members, or friends. Often, individuals confuse having a joint card with having an authorized user on a card, but there are distinct differences. As with most things, being a joint cardholder or an authorized user each has advantages and disadvantages. Choosing between the two options is a matter of personal preference, and finding out what is best given your financial situation.Read the rest...

Three Cases in Which Debt can be a Good Thing

Jessica Bosari — Fri, 29 Oct 2010 19:22:56 +0000

Credit used improperly devastates personal finances. Unfortunately, at some point in everyone’s life debt becomes necessary. When that debt has a net result of making you financially more stable, it can be a good thing.

Not many people acquire an education or operate a business without incurring some type of debt. In order to prevent spending from becoming an all-consuming beast, it is best to ensure that expenditure grows into something of greater value.

Read the rest...

Recent Foreclosure Buyers Worried About the Foreclosure Freeze

Jessica Bosari — Tue, 02 Nov 2010 03:16:37 +0000

On one side stand the angry, depressed and frustrated homeowners experiencing foreclosure. Standing on the other side, are buyers already occupying or eagerly anticipating moving into a bargain dream home. In the middle sit hundreds of thousands of homes nationwide, decreased in value and up for grabs. The whistle blows and big name lenders are calling a time out. In light of recently discovered ill-prepared documents and ill-informed owners, mortgage companies declared a moratorium on foreclosures. Homeowners hope the glitch allows them to retain homes while new buyers fear lost investments and property.

Read the rest...

Blogging - The Low Cost, High Return Marketing Tool for Small Business

Jessica Bosari — Wed, 03 Nov 2010 00:00:04 +0000

For service driven markets, blogging has proven over the last several years to be a low cost, high return form of marketing. While product-driven companies typically need to focus on providing exceptional products and advertising, service-driven markets rely more on presenting their services as reliable and trustworthy in a place where potential clients might notice.Read the rest...

What's That Car Worth? A Step by Step Guide to Figuring it Out

Jessica Bosari — Wed, 03 Nov 2010 23:52:08 +0000

Here's a guest post for another blog I have written for. If you want to learn a little something on just about anything, pop on over the AskDeb and get some answers.

Determining the value of a car requires more than a cursory glance at the Kelley Blue Book. It is impossible to figure out the answer to the question "What Is My Car Worth?" without getting your hands a little dirty. A true valuation of your used car is the difference between getting swindled and earning the right amount of cash for your vehicle. Here are five steps to knowing what your car is worth.Read the rest...

What Makes a Truly Good Deal? Learn How to Spot One Quickly

Jessica Bosari — Thu, 04 Nov 2010 14:45:29 +0000

Nearly every shopper appreciates a good deal, but not everyone knows how to spot one. A good deal isn't simply a low price. It also includes the value of a product. The value of a product depends greatly on how it is seen by consumers on an individual basis. Usually, the price and value of a product tends to meet somewhere in the middle. When you are shopping, think about value. This is how to find the best deals.Read the rest...

Five High Tech Tips for Winterizing your Home

Jessica Bosari — Fri, 05 Nov 2010 14:49:55 +0000

With the joys of homeownership come the expenses of heating and cooling. Though energy costs continue rising there are various steps owners carry out to keep these expenses from going through the roof. Some of the most popular, cheapest, and effective methods involve caulking around doors and windows, using insulated drapes and wearing warm clothing. Whether families are on a tight budget or not, these five high tech tips for winterizing a home save hundreds of dollars in the end.Read the rest...

How Taking Notes Saves You Money

savingtools — Mon, 08 Nov 2010 14:58:32 +0000

Taking notes is a part of everyday life. Grocery lists, supply, and to do lists are compiled everyday as reminders. Keeping a small, divided notebook or pad with you always may provide many money saving opportunities.

Read the rest...

Ten Tax Breaks for Stuff You Should Be Doing Anyway

Jessica Bosari — Tue, 09 Nov 2010 14:31:09 +0000

Tax time is quickly rolling around the corner. Income tax preparers believe there are many deductions people often miss that could amount to hundreds of dollars in savings. Why pay extra money to Uncle Sam when your money earns more when invested? The money is also useful toward paying off debt. Here are ten tax breaks that people either miss or do not know exist.

Read the rest...

Savings, CDs, and Money Market Accounts: Which Is The Best Fit?

Jessica Bosari — Wed, 10 Nov 2010 16:42:24 +0000

In today's economy, saving money has become more important than ever. Savings have always been vital. People save money for everything from retirement and college planning to emergencies like car repairs. With the economy in the condition it has been in, savings are even more important. They can help people significantly should they find themselves out of work. There are many ways you can start saving money. Three such ways are savings accounts, money market accounts, and CDs. Here is a look at all three. From there, you can determine what the best fit is for you.Read the rest...

Investing for Your Retirement: Is it Time to Get Back in the Game?

Jessica Bosari — Thu, 11 Nov 2010 19:40:37 +0000

The recession caused many investors to pull their money out of the stock market and look for safer investments. The burst of the housing bubble caused a surge in foreclosures around the country. However, since the recession officially ended, the stock market has seen gains. Although much of the country is still experiencing high levels of foreclosures, some parts are starting to stabilize. With banks offering extremely low rates, some investors are questioning whether it is time to start investing in stocks and real estate once again.Read the rest...

Can Installing a Garbage Disposal in your Kitchen Sink Save Money?

Jessica Bosari — Fri, 12 Nov 2010 19:55:39 +0000

When people think of home improvements that can save money, installing a garbage disposal may be the one of the last things to cross their minds. For those who pay a fee for every bag taken to the curb, it can be a great way to save money. Saving on the cost of trash bags and trashcans can also put a little extra money in your pocket. Garbage disposals have environmental benefits by reducing the amount of trash sent to landfills. Installing a garbage disposal is a great idea, but there are some things to consider before making the decision to shop for one.Read the rest...

Is Refinancing Smart for Those Over 50?

Jessica Bosari — Mon, 15 Nov 2010 20:09:42 +0000

Paying down debt, having money for retirement, and lower monthly payments are all reasons why people choose to refinance. Record-low interest rates make refinancing even more appealing. However, for individuals that are over the age of 50, there may be more to consider than getting a lower interest rate.Read the rest...

Five Financial Problems Women Face and How to Manage Them

Jessica Bosari — Tue, 16 Nov 2010 20:39:43 +0000

Financial planning can be a challenging task for anyone, but women find they face issues particular to their gender. Although, both men and women work in this generation, gender-unique financial issues are apparent. Women are challenged because they make less money than men do over a lifetime, which makes money management more difficult. However, women must confront the financial challenges and find ways to overcome them.Read the rest...

Social Media Could be the Best Way to Find a Job

Jessica Bosari — Wed, 17 Nov 2010 21:49:21 +0000

Celebrities have long used social media as a marketing platform to connect with millions of fans, and companies are now following suit, but for another purpose. Many small, medium, and large companies have social media accounts and are using them to find employees. Individuals looking for work can use this trend to their advantage by using social media sites as a way to find a job.Read the rest...

How to Win the Rebate Game

Fletcher Martin — Fri, 19 Nov 2010 05:11:45 +0000

Even though we live in a technologically advanced information age where mail has all but ceased to exist, manufacturers still insist on making mail-in rebates. The process of gathering all the information necessary to complete the rebate and then mail it in only to wait a month or more for five dollars is often skipped over completely. However, when we decide to purchase a product with a rebate without mailing the rebate in we are allowing the manufacturers to win. The rebate game is just that, a game. There is no draw. Either the manufacturer wins or you do and if there is one thing that overrides instant gratification it is the competitive human spirit.Read the rest...

How Reverse Mortgages are changing in the Tight Economy

Fletcher Martin — Fri, 19 Nov 2010 13:32:50 +0000

For many people the idea of reverse mortgages are riddled with false beliefs and misconceptions. In today’s economy, the dreadful thought of any kind of mortgage has all but the most desperate running for the hills. Yet for many elderly citizens reverse mortgages can be a blessing in disguise due to our current economic state.Read the rest...

How to be Sure you are Paid What You are Worth

Fletcher Martin — Mon, 22 Nov 2010 15:16:12 +0000

Have you ever run into a coworker that does the same job as you, yet makes substantially more money? This can turn a job or career you were originally happy with into a job you struggle to get out of bed for. The nagging thought that you are worth less to the company than Billy Joe can turn those with the best work ethics into the worst employees imaginable. The simple way to avoid a conflict that could cost you your job and way of life is to make sure you are being paid what you are worth. How does one do this?Read the rest...

How to Find a Tax Preparer You can Trust

Fletcher Martin — Tue, 23 Nov 2010 15:48:42 +0000

About four out of five Americans use a tax preparer to assist them every year when tax season comes around. This is not very surprising when you take into account the complex task of calculating taxes and the costly mistakes that can easily be made by anyone who tries to do taxes on their own. It is also true that tax preparers make costly mistakes that result in fines, fees, and possible jail time for those that hire them. The taxpayer pays the price for any mistakes made by the tax preparer. This is why it is important to find a tax preparer you can trust to do your taxes correctly and that will file your taxes on time.Read the rest...

Back to school for better pay - should you go online or brick and mortar?

Fletcher Martin — Wed, 24 Nov 2010 13:49:44 +0000

The economy is in a rut, people everywhere are trying to bring in more income anyway they possibly can. This could mean liquidating assets, taking on multiple part time jobs, or simply cutting coupons. However, a good number of people do not wish to sell their belongings, don’t have a lot of time on their hands for even more work, and cutting coupons is just not enough for most people. This leaves the prevailing idea that a good number of people have chosen to pursue; going back to school.Read the rest...

Five Fast and Frugal Leftover Turkey Recipes

Jessica Bosari — Fri, 26 Nov 2010 21:30:02 +0000

When you get back from shopping this afternoon, put away your goodies and then settle down for a nap. Once you’re rested, it’s time to tackle those turkey leftovers so nothing goes to waste. There's something here for any meal, be it breakfast, lunch or inner. I've included my favorite fast and frugal leftover turkey recipes, including classic turkey soup, turkey hash, turkey curry salad, turkey ala king and turkey rollups..Read the rest...

Advice to Young Borrowers: Refinance to Save or Build Your Credit Score

MoneyAisle.com — Mon, 29 Nov 2010 22:06:03 +0000

Borrowers with no credit history are in a delicate position—they are beginning with a clean slate, and thus have the opportunity to build a good credit sore early. But because many first-time borrowers are college students or are in the midst of a job hunt, they are also at great risk of permanently damaging their credit score.

The first types of loan that most borrowers will take out are student loans and auto loans and perhaps a modest credit card account. Students usually take out these loans before they’ve established any credit history, which means they pay a premium over what someone with a good credit score might. The good news is that student loans are usually deferred until the borrower leaves school—which means he or she has three or four years to build up their credit by paying their credit card bills and auto installment loan payments on time. This can boost your credit score by 100 points or so, which means you can often refinance private loans and auto loans at a lower interest rate upon graduating.Read the rest...

Who Gets Unemployment?

Fletcher Martin — Wed, 01 Dec 2010 00:20:00 +0000

There are two ideas about unemployment and those who do not know the facts tend to believe. Some people tend to think unemployment is available for anyone that has been to a job and received at least one paycheck. Others believe, unless you were not fired from your job you can receive unemployment. The truth is that both of these ideas are incorrect. The economy is still in turmoil and knowing the facts about who is available to receive unemployment and who is not available, could be the difference from a family being able to keep a roof over their heads or having to move in with relatives.Read the rest...

Should You Convert Your Roth Now? If Only It Was that Simple

Fletcher Martin — Wed, 01 Dec 2010 22:10:31 +0000

Most high income Americans have an IRA, Individual Retirement Account, of some kind. The majority of those with IRAs have traditional IRAs in the form of a certificate of deposit, mutual fund, or 401(k). A traditional IRA defers income tax payments until the money is withdrawn years later by whoever holds the account. It could be the original investor, a relative, or even a family friend. Regardless of who ends up cashing in the IRA, he or she will have to pay income taxes the moment the money is withdrawn.Read the rest...

Top Misleading Sales Tactics

Fletcher Martin — Thu, 02 Dec 2010 21:48:19 +0000

Salesman will do anything and everything to get a sale. If they have to cluck like a chicken for five minutes to get you to buy whatever they are peddling, they will. You have probably run into a misleading sales ad before. You are told one thing promising cheap prices only to have the final total to ring up double or even triple what you originally thought. Context and word placement are everything. The following tactics are used much more often than you would think to get you, the unsuspecting customer, to spend more you planned.Read the rest...

Is an Online Degree as Valuable as a Brick and Mortar?

Fletcher Martin — Fri, 03 Dec 2010 20:44:09 +0000

As technology advances, traditional values begin to fade away in response to a rise in newer programs to fit our society’s newfound technologically based lifestyle. This is seen in pop culture that engulfs large cities, such as Los Angeles and New York just as much as it can be seen in more traditional rural areas. In short, computers are taking over. This is changing all lifestyles from how we apply for jobs, find mates, and even get a post grade school education.Read the rest...

Five Tools to Help You Research and Buy a Reliable Used Car

Jessica Bosari — Mon, 06 Dec 2010 21:59:25 +0000

When it comes to buying cars, there are two schools of thought. You can buy new and drive the car until it dies, or buy used and hope that you get a few good years out of the car. Because cars lose most of their value in the first two years, I think it makes more sense to buy a certified pre-owned car if you can afford one. Otherwise, you’ll need some additional tools to minimize the risk in buying a cheaper used car.Read the rest...

Debt Free with No Clue? How to Manage Your New Found Freedom

Fletcher Martin — Tue, 07 Dec 2010 13:55:20 +0000

Congratulations! After being in debt for what probably seemed like an eternity, you are finally completely free from all debt. Now you’re probably wondering what you should do from here, right? A common problem for those newly freed from debt is what to do with their new found financial freedom.Read the rest...

Emergency Fund vs Credit Card Debt: What’s the Top Priority?

Fletcher Martin — Wed, 08 Dec 2010 12:16:44 +0000

Is it better to start an emergency fund or pay off your debt as quickly as possible? If you are anything like most human beings, you want a definitive push in one direction or the other. Most financial advisors and ten-year-old kids can tell you which is better to go with by simply looking at the numbers. However, like all things in life, it is not quite so simple. This is a great example of people thinking the world is in black and white.Read the rest...

How to Handle Mixed Financial Messages

Fletcher Martin — Thu, 09 Dec 2010 20:52:57 +0000

We live in a society that snatches up new ideas and runs with them, without necessarily taking the time to assess the value of them. The unfortunate truth is that not every idea or opinion you or anyone else has is a great one or even halfway acceptable. This is part of the reason we hear so many mixed messages when it comes to financial advice.Read the rest...

Your Credit Report is Free but Your Score isn't. Here's Why.

Fletcher Martin — Fri, 10 Dec 2010 18:00:10 +0000

Because of commercials emphasizing credit scores, most people understand why their credit score is important. Your credit score decides whether you can get a loan for that car you want or live in the residential area of your choice. Unfortunately, most people don’t realize the “free credit report” they see advertised is not offering a “free credit score.”Read the rest...

Ten Cheap and Cheerful Holiday Gift Ideas for Coworkers

Fletcher Martin — Mon, 13 Dec 2010 21:12:11 +0000

It’s that time of year again! The time money tends to spill out of your wallet and bank accounts like water from a faucet. Christmas time is often one of the happiest times of the year for most people; however, it can also be one of the most difficult times financially. You want to let people know you care, but you can only afford so much tangible love.Read the rest...

6 Ways New Entrepreneurs & Freelancers Can Save Money Now

Money Crashers — Tue, 14 Dec 2010 21:12:11 +0000

As a fledgling entrepreneur myself, I can tell you there is a lot of uncertainty when first starting your own business. In fact, I plan on quitting my day job and pursuing my business ventures full-time very soon. Once the stable paychecks and the financial security of a day job are no longer in my life, I definitely foresee some anxious moments.Read the rest...

3 Steps to Successfully Renegotiate Your Rent

Fletcher Martin — Tue, 14 Dec 2010 12:39:07 +0000

Unless you’ve been featured in Forbes, you probably have rent or mortgage payments that have become a bit harder to handle since the recession hit. Thousands of renters out there continue to pay more every year because the landlord wants to account for “inflation.”Read the rest...

BPA on Receipts! Cause to Panic?

Fletcher Martin — Thu, 16 Dec 2010 12:50:47 +0000

If you are a financially responsible person, then you probably take every receipt you are given and keep it in your purse or wallet until you decide to go through your receipts. You’ll probably keep the important ones you need, and throw the rest away. However, this practice could be tainting your money and the other items that encounter your receipts with BPA. Bisphenol A, abbreviated as BPA, has been found to have the potential to cause a number of health issues such as cancer and possible birth defects in developing fetuses and young children.Read the rest...

How to Squeeze More Rewards out of Your Credit Cards

Fletcher Martin — Fri, 17 Dec 2010 14:49:49 +0000

Shopping rewards and rebate programs have exponentially increased in popularity since the recession. Everyone is trying to save every dollar they can when shopping; especially during the holiday season. Most limit themselves to their credit card cash back rewards programs; remaining completely unaware of the existence of additional rewards programs and how to make better use of every dollar spent and every point earned. Fortunately, I am here to help you make the most out of every dollar you spend.Read the rest...

Romantic, No Longer practical, But Still Neat-O Ways to Save money

Jessica Bosari — Mon, 20 Dec 2010 20:15:52 +0000

In tough economic times, people start to think about different ways to save money. The more difficult it is to make ends meet, the more drastic the money-saving ideas tend to be. Just a few decades ago, everyone made the majority of their food on their own. Wouldn't it be nice to go back to the days of growing your own vegetables and drinking fresh milk from your own dairy cow? The idea is really impractical in our modern age, but it's fun to imagine.Read the rest...

Can getting more sleep save you money? Probably!

Jessica Bosari — Tue, 21 Dec 2010 18:28:03 +0000

if you aren't getting at least eight hours of uninterrupted sleep every night, you may be costing yourself money. Even if you are spending those sleepless hours working from home, the extra money you make now will probably not be enough to cover the expensive problems that can result from sleep deprivation. Forgetfulness, overeating, falling asleep at work, and many other symptoms can be tough on your finances eventually. Taking the time to make sure you get plenty of rest at night will make you more productive at work.Read the rest...

Pure Platinum? Pure Drivel! What to Look for When Buying Platinum

Jessica Bosari — Mon, 27 Dec 2010 18:49:55 +0000

Purchasing platinum jewelry can be an investment that lasts a lifetime. This luxurious metal is known for its luster and durability. In recent years, manufacturers have begun to blend base metals into platinum jewelry to help keep the jewelry more affordable for consumers. Platinum jewelry has always been blended with other materials, but these recent pieces contain higher levels of metals like copper or cobalt than traditional platinum pieces used to contain. The US Federal Trade Commission (FTC) has recently released some guidelines that require jewelry shops to mark the exact platinum content in each piece so that the customer is always aware of the purity of the jewelry.Read the rest...

Ten Shopping Tips You MUST Teach Your Children

savingtools — Wed, 22 Dec 2010 08:53:27 +0000

Part of being a parent is teaching your children how to handle money responsibly. You can begin teaching your kids how to make the most of their money every time you go to the store together. Talk with your children about the everyday things that you do to make every dollar stretch as far as possible.Read the rest...

Keep Holiday Keepsakes Beautiful by Storing them Properly

savingtools — Thu, 23 Dec 2010 09:05:12 +0000

The excitement of setting up the Christmas tree and decorating the house somehow never seems to stick around when it's time to take everything down and pack it away again. How you store your special Christmas ornaments will have a direct impact on how long they last and how easy they are to use when it is time to decorate again.Read the rest...

Didn't Get that High-Tech Gadget in Your Stocking? It's not too Late!

Heather Hollingsworth — Tue, 28 Dec 2010 23:47:13 +0000

The list of new technology gadgets was excellent this Christmas season. From gaming systems to digital cameras to iPads, the best gifts this year came in smaller packages. With such a long list of possibilities, Santa probably had a tough time filling out everyone's technology toy list. The good news is that many retailers are offering those high-demand gadgets at incredible prices now that the Christmas shopping season has ended. Santa might wish he had waited to take advantage of some of the technology deals that are available online and in person at electronics stores through the end of December and well into January.Read the rest...

Do You Need Financial Advice or a Financial Plan? The New Thinking in Personal Finance.

Heather Hollingsworth — Fri, 24 Dec 2010 23:56:58 +0000

Students who are working toward careers in financial planning face a very different market than their predecessors. With the rising number of baby boomers headed toward retirement age over the next decade, financial planners are in high demand. This unique generation is redefining what it means to get financial advice the same way they are redefining health care and social services.Read the rest...

Money-saving Tips for the New Year: Declutter Now, Sell Later

Heather Hollingsworth — Wed, 29 Dec 2010 08:42:45 +0000

The end of the year is an ideal time to clear out your clutter for several reasons. Many jobs offer extra time off during December so that everyone can enjoy the holidays with family. You've probably been putting off the deep cleaning until you have more time, right? The extra time you are given in late December is perfect for clearing out all of that stuff you've been meaning to get rid of. The weather at the end of the year also cooperates with cleaning out the house. It is usually cold and rainy, so you are stuck inside anyway. You can make a game out of clearing each room one day at a time while you are waiting for the weather to get better.Read the rest...

Money Saving Techniques for the Truly Hard Core

Jessica Bosari — Thu, 30 Dec 2010 10:38:02 +0000

Some of us are a bit more committed to saving money than others. Sometimes we go the extra mile from necessity; sometimes we are just control freaks. If you want others to think of you as the Frugal Fannie who uses both sides of the toilet paper or the frugal fellow who pinches Mr. Lincoln until he screams, here are a few tips to help you become a truly hard-core money saver.Read the rest...

Tips for Traveling

Heather Hollingsworth — Fri, 31 Dec 2010 21:19:41 +0000

Even when times are tight, a chance to take a vacation away from the regular routine is a priceless way to renew your energy so that you can tackle all of your commitments with renewed vigor once you return home. With a little bit of extra planning, it is possible to take that much-needed vacation without breaking the bank. Whether your idea of an escape includes flying to exotic locations alone or taking your entire family on a road trip across the country, these tips will help you keep your costs down during your travels.Read the rest...

Boost Savings by Organizing Cheaply

Heather Hollingsworth — Mon, 03 Jan 2011 21:59:05 +0000

The costs of being disorganized are not always easy to see all at once, but they really add up over time. If your shoes are all scattered on the floor of your closet or under your bed, you may not realize you already own that perfect pair of brown dress shoes that you need. If you were well organized, you could just glance at your shelf of shoes and know exactly what you own.Read the rest...

Buy Next Year’s Christmas Trappings Now

Heather Hollingsworth — Wed, 05 Jan 2011 14:28:16 +0000

Where to Look for the Best Clearance Deals

When Christmas is over it can be a little disheartening to pack everything away for another year. You can brighten up the process a little bit and save yourself some money by shopping for next year's new decorations right now. Since you're still working on putting everything away, you could go out and take advantage of some of the deep discounts that retailers offer for items you would have had to pay top dollar for a few weeks ago. Bring your new goodies home and pack them with your old ones. When you open everything up next year, you'll have a stack of fresh decorations to play with as well as your family favorites. Plus, you’ll have one less errand to run during next year’s busiest season.Read the rest...

Resolved to Organize your Finances? How to Make it Work

Heather Hollingsworth — Wed, 05 Jan 2011 14:36:52 +0000

Keeping your finances organized can help you stay on budget and keep track of your spending. It can also be a daunting task if you haven't been organized all along. Many people plan to organize their finances, but never seem to get around to it. The idea of digging through all of the documents from previous years and sorting it neatly can be overwhelming. If you have been putting off financial organization, this is the perfect time to tackle the beast. Since you have to put your taxes together anyway, why not take a little extra time to put it all together in an organized fashion?Read the rest...

Healthy Home Cleaning Guide: Resolve to Save Hundreds on Cleaning Products this Year

Jessica Bosari — Thu, 06 Jan 2011 16:36:11 +0000

One of my favorite things about frugal living is the synergy it often finds with green living. Many ways of saving money help reduce waste and pollution. One is to use only natural cleaning products. Not only is it good for the earth and your wallet, but it’s also healthier for your family. The chemicals left behind by many household cleaners can contribute to illness in those with sensitive systems. Using natural cleaners gives you one less danger to worry about.

Read the rest...

Talking to Your Spouse About Death...and Life Insurance

Guest Blogger — Fri, 07 Jan 2011 18:45:33 +0000

Talking about death and life insurance can be scary - nobody likes to think about dying. It is an especially stressful conversation to have with your spouse. In some cases, people who are so worried about what will happen when they die that they buy too much life insurance. There are also people who are willing to look death in the face and make the appropriate arrangements, but there is so much misleading and incorrect information about buying life insurance floating around that they don’t get the right policy.Read the rest...

Preparation Checklist for Your 2010 Taxes

Jessica Bosari — Mon, 10 Jan 2011 15:56:37 +0000

Most people would rather visit the dentist than the taxman, but a good accountant can do wonders for ensuring you get all the deductions for which you qualify. You can make the experience less painful by preparing in advance for your meeting. This way, your taxes are complete and files as soon as possible and you spend less time worrying about them.Read the rest...

The Debate Over Paperless Electronic Online Billing Payment Plans

Money Crashers — Thu, 13 Jan 2011 17:15:43 +0000

By David Bakke

Being "green" is more popular and fashionable than ever, so you might think that opting for paperless billing is a no-brainer. You’re helping preserve the environment, plus many organizations offer discounts, rebates, or rewards points for going paperless.

While that is certainly true, personal experience has led me to believe that you should think twice before signing up for that option, or at least consider the pros and cons of e-billing before making your decision. Here are some benefits and drawbacks to consider.Read the rest...

CCC Personal Finance Guest Blogging Contest

Jessica Bosari — Wed, 12 Jan 2011 13:12:33 +0000

You folks liked our post, Money Saving Techniques for the Truly Hard Core so much that we decided to enter it in a personal finance blog contest hosted by some of our northern friends. SavingTools is not affiliated with the sponsors of the event, who are shown below. Thanks!

Read the rest...

Four Simple Ways Anyone Can Generate Extra Cash in 2011

Jessica Bosari — Tue, 11 Jan 2011 16:35:03 +0000

I get a little tired of posts talking about ways to make extra money. Many of them give you ideas that might get you $25 all year, or require special skills like writing blogs. It’s not that blogging is really so hard, but it takes a lot of effort to make even a little bit of money. These solutions don’t work for most people. Fortunately, there are some sure-fire ways that anyone can pick up extra cash.
Read the rest...

Four Ways to Cut Small Business Costs

Jessica Bosari — Fri, 14 Jan 2011 17:39:49 +0000

You have probably been bootstrapping your business without even knowing it. If you’re using your own money, or pouring your profits right back into the business, that’s what you’ve been up to. You can get more from bootstrapping by learning how to cut business expenses. The more you cut, the more investment capital remains to grow the enterprise.Read the rest...

7 Financial Rules for the Post-Recession Economy

Jessica Bosari — Wed, 12 Jan 2011 20:01:00 +0000

Yes, you read it right. The recession is over. Sales have been up 6 months in a row, the wheels are starting to turn again and we may have already passed the peak of home foreclosures. However, the effects of this recession are not over. The traditional advice your mom gave you might now be valid in this shaky financial environment. Here are some new rules to follow as we rebuild. Read the rest...

The Ultimate Smart Phone Buying Guide: The Cheapest Places to Get the Best Phones

Jessica Bosari — Mon, 17 Jan 2011 15:55:40 +0000

With the emergence of Amazon Wireless, your smart phone shopping options have opened up exponentially. You can save $100 or more buying through Amazon instead of your service carrier’s website. Here is a breakdown of the top-rated phones and notes on where you can get the best deal on each phone.Read the rest...

7 Free Productivity Apps: Opera versus Chrome

Jessica Bosari — Wed, 19 Jan 2011 17:56:45 +0000

I’m a fickle mistress. No sooner have I started using one mind-blowing free application that I find yet another, more exciting, simpler and easier to use app. Such was my experience this morning, in a fit of unproductive procrastination (or so I thought at the time). The discovery of these amazing free apps has inspired me to work this time, so perhaps my meandering was for good purpose!Read the rest...

Tips on Renting A Room For Extra Income

Guest Blogger — Thu, 20 Jan 2011 18:14:32 +0000

With the economy as it is and the job market in a bit of a slump, people are doing whatever they can to save a few dollars or make a few extra. Ebay, Craigslist, and similar sites are doing very well as people try to sell their belongings and long-kept valuables that are now antiques or collectibles. Hard times usually bring about creative means to make ends meet or to supplement regular incomes. One avenue explored by many homeowners is renting a room in their home; either to a friend or oftentimes a stranger. This can be beneficial to both parties or it could be a disaster for either or both parties.Read the rest...

Borrowing Doesn't Have to be the American Way

Jessica Bosari — Sun, 23 Jan 2011 14:30:17 +0000

I recently became interested in how banks make money. I never really thought too hard about that topic before. Obviously, they invest the fund that we put in the bank in order to pay us bank interest on savings right? Well, no actually. That’s a very small part of bank operations. Banks make a heck of a lot more money by lending. They loan money in the forms of mortgages, credit card accounts, personal loans and small business loans. They sell many other financial products as well, all of them earning money in fees and services.

In my travels, I came across the following statement at eHow, “While paying interest may not seem to be a great financial move in some respects, it really is a small price to pay for using someone else's money. Imagine having to save all of the money you needed in order to buy a house. We wouldn't be able to buy houses until we retired!” I want to make sure every one of you knows one thing... that statement is a pile of horse dung!Read the rest...

Four Ways to Cut Your Phone Bill

Guest Blogger — Tue, 25 Jan 2011 12:04:39 +0000

If you call long distance regularly using a land line, you probably pay too much for your phone bill. If you normally rely on your cellular phone, you are probably wasting the $20-plus each month that you are spending for a land line that is only used when telemarketers call. Here are some ideas for cutting down the amount you spend on your phone bill each month. Read the rest...

Don't Let Your Car Drain the Life Out of Your Savings

Guest Blogger — Mon, 24 Jan 2011 12:09:38 +0000

Most people look at their automobile and see a money-suck, rather than a money-maker, but there are actually many ways to save money through your car. When you are contemplating a purchase of a new vehicle, consider the following:Read the rest...

Tips for Selling Your Home Quickly in a Depressed Market

Jessica Bosari — Wed, 26 Jan 2011 18:00:08 +0000

When it comes to the housing market, it doesn’t look like things are going to get much better this year. Home prices are expected to remain steady work even drop. Knowing that, what can you do to make your home more attractive to buyers, and more likely to be sold?Read the rest...

Five Ways to Beat Inflation

Jessica Bosari — Thu, 27 Jan 2011 17:25:10 +0000

Saving money is not just about setting cash side. If you just put your money in a mattress, eventually that money will become worth less. How can that be? The answer is inflation. Inflation, simply put, is the tendency of prices to rise over time. When prices rise, the money you have becomes insufficient to buy a specific amount of goods. For instance, if $100 buys you 100 beans today, but the same 100 beans cost of $105 tomorrow, then inflation has made your money is worth less than it was. Unless you can find a way to make that $100 grow into $105, you are losing money. That’s why it is vital that the money you save earns at least enough to keep up with the case of inflation.Read the rest...

Senior Reverse Mortgage Crisis on the Horizon

Jessica Bosari — Fri, 28 Jan 2011 19:40:07 +0000

Many seniors have found that the economic downturn has left them in a hard spot. To make ends meet, many seniors have turned to reverse mortgages as a secondary source of income. Now that their homes are no longer as valuable as when these loans were written, many are facing the possibility of foreclosure.Read the rest...

Three Important Credit Card Consolidation Myths

Guest Blogger — Mon, 31 Jan 2011 14:08:17 +0000

When you have a lot of credit cards, you look for debt relief options to get rid of these debts. But you need to remember that you must have correct information before you enroll into any of these programs. You may come under lot misconceptions that may put you into more financial troubles. These myths need to be explained so that you don’t fall into further debts. Before you go for credit card consolidation, you must get all your myths explained.Read the rest...

Credit Repair after Divorce

Jessica Bosari — Tue, 01 Feb 2011 21:38:14 +0000

If marriage is the most beautiful relationship between soulmates, divorce must be the ugliest. Even an amicable split can leave the finances of both parties in ruin. No longer is there another income to pay half the bills. More often than not, the credit rating of each spouse falls to shambles.Read the rest...

Could Gen-Y be the Next Greatest Generation?

Jessica Bosari — Wed, 02 Feb 2011 20:53:49 +0000

Between the influence of my brother and father and a girlhood crush on Matthew Broderick, I was destined to be at least a little geeky. I embraced Dr. Who, Buckaroo Banzai, science fiction fantasy paperbacks and just about anything that made me think beyond the reality I lived. I believe that Matthew Broderick made it cool to be a little geeky, from the movies War Games and Ferris Buehler’s Day Off, we see that being a geek has its advantages.Read the rest...

Putting Your Money into Schooling is the Best Investment You Can Make

Jessica Bosari — Thu, 03 Feb 2011 21:27:10 +0000

A recent study from the John J. Heldrich Center for Workforce Development at Rutgers shows that even the Americans who are lucky enough to find work are not faring so well. As it turns out, many of them are taking pay cuts to switch careers and find a job. The study reports that about 33% of laid-off workers found new full time employment and 41% of those had to switch careers to find a job. Read the rest...

You Don’t Have to be Rich to Get Rich – Building Wealth from the Ground Up

Jessica Bosari — Fri, 04 Feb 2011 21:13:15 +0000

Don’t blame your paycheck for your lack of savings. If you really want to build wealth, you can, even if you feel like the money is all spent as soon as you get the check. Look at Herb and Dorothy Vogel, an unassuming New York couple that, despite a modest income, acquired 4,000 works of art in 45 years. The couple lived on the wife’s salary and devoted the husband’s pay towards collecting. The collection was worth millions when they finally decided to donate it to National Gallery of Art. If a couple can live that long in New York City on just one income and become wealthy, you can do it too.Read the rest...

Not Much Value in KitchenAid Attachments

Jessica Bosari — Mon, 07 Feb 2011 23:50:24 +0000

I got to looking at the myriad attachments available for my KitchenAid mixer and started to wonder if there was any significant savings buying these accessories instead of individual appliances. The mixer has accessories for noodle making, juicing, sausage stuffing, slicing, and milling. As it turns out, you are better off buying the individual appliances...but not always.Read the rest...

Cell Phone Insurance - Do You Really Need It?

Heather Hollingsworth — Tue, 08 Feb 2011 22:02:33 +0000

There is no doubt that cell phones have become an integral part of most people's daily lives. The phones in use today do far more than just place and receive calls. Many of them are small hand-held computers that contain important contact information for friends and family as well as fun games, reading material, and financial tools. Cell phones are used to post and read comments on social networking sites as well as keep track of business email from anywhere. For the first time, smart phone sales have actually outpaced computer sales.Read the rest...

Cheapest Cost Per Pound to Lose Weight

Heather Hollingsworth — Fri, 11 Feb 2011 20:03:13 +0000

Now that the holidays are over and the groundhog has predicted an early spring, it's time to think about squeezing back into that summer wardrobe. If you're ready to drop those extra pounds without dropping too much of your hard earned cash, these weight loss programs might be just what you need to get started. The least expensive programs are the ones that offer guides to help you organize your eating habits so that you lose weight on your own. The more expensive options are the plans that sell you pre-made meals that are designed to take all of the work out of creating a healthy weight loss diet.Read the rest...

Housing Market Beginning to Thaw

Heather Hollingsworth — Thu, 10 Feb 2011 20:15:35 +0000

Recent reports are showing that the housing market might be starting to warm up again. Sales of previously occupied homes increased during December of 2010 and January of 2011, prompting some analysts to hope for a much needed improvement in the general housing market. Rising mortgage rates also bode well for the coming months. The only region of the country that did not see a significant rise in the number of signed housing contracts was the West. Although the majority of the sales are based on people taking advantage of lower prices on foreclosed homes, any boost in home sales is liable to help increase consumer confidence and help strengthen the market during the beginning of the year.Read the rest...

Home Acne Remedies to try Before You Pay a Dermatologist

Guest Blogger — Mon, 14 Feb 2011 17:56:39 +0000

Acne. They are like mushrooms that sprout on your face when you least expect it. What’s more, the commercial remedies are expensive. So how do you deal with them? I learned awhile back to make homemade acne destroying recipes to eliminate them. In this article, you will learn how to get rid of your acne with these simple to make home remedies.Read the rest...

Warning Signs: Don't Rent That Apartment!

Heather Hollingsworth — Tue, 15 Feb 2011 22:43:17 +0000

When shopping for an apartment to rent, you need to make sure you do your research thoroughly. Although most rental units are legal and safe, there are many that are not up to code. Illegal rentals may be less expensive than legal options, but they can easily become deadly for you and your family. Here are some things to watch for during your apartment search.Read the rest...

The Housing Market Then and Now

Heather Hollingsworth — Thu, 17 Feb 2011 14:25:06 +0000

The housing market is far from completing a full comeback from the dismal numbers of the last few years, but some indications are looking more and more positive. When placed side by side, it is easy to see the difference between the statistics during the heart of the recession and the statistics that are being reported today. The recovery continues to be slow, but it seems to be steadily building toward a healthier home market that could benefit both buyers and sellers in the not too distant future.Read the rest...

Experian Adding Rental History to Credit Reporting

Heather Hollingsworth — Fri, 18 Feb 2011 14:35:57 +0000

Experian, one of the leading credit reporting companies in the United States, has announced that it began adding apartment rental information to its credit reports in December of 2010. This marks the first time apartment rental information has ever been listed in a positive way in a major credit report. The company said that on average, consumers with positive apartment rental information improved their credit scores by at least one level once the information was added.Read the rest...

Five Ways to Accessorize on the Cheap

Heather Hollingsworth — Mon, 21 Feb 2011 06:00:00 +0000

Your accessories can sometimes be the most important part of your personal look. Unfortunately, the most popular accessories can quickly run right out of your price range. Even if you can afford to pay top dollar, it makes sense to try to find the best deals on accessory items that you will probably want to change or replace in the next year or two. You don't have to sacrifice taste when you choose to spend less on accessories. All you need to do is think a little more creatively.Read the rest...

IRS Takes a Giant Leap into the New Millenium with Tax Breaks on Breastfeeding Equipment

Heather Hollingsworth — Tue, 22 Feb 2011 21:16:09 +0000

It's no secret that breastfeeding provides benefits for the mother and the child that they can't get from regular bottle feeding. A recent reversal of policy at the IRS proves that lawmakers are beginning to pay attention to the fact that the health of moms and babies is directly related to the health of the nation in general. Mothers who choose to breastfeed can now list breast pumps and other necessary breastfeeding items as deductions on their tax forms.Read the rest...

Six Bizarre but True Signs of Economic Recovery

Heather Hollingsworth — Wed, 23 Feb 2011 06:00:00 +0000

A recession doesn't always show up in your life as a lost job or a cut in pay. The most common result of a bad economy is that people tend to cut back on the things that are not entirely essential for getting by. An economic upswing will be noticed in many smaller markets long before it shows up in housing costs or purchases of new cars. When consumers begin to feel confident again, they like to take smaller steps that can be easy to cut out again if necessary.Read the rest...

Three Things You Pobably Didn’t know about Bank Reform

Heather Hollingsworth — Thu, 24 Feb 2011 06:00:00 +0000

Overdraft protection began as a service banks offered to help customers avoid embarrassment if they accidentally overdrew their accounts. The bank would pay the difference between the customer's checking balance and the purchase price, then the customer would pay a fee for that service as well as the necessary funds to make the account solvent once more.Read the rest...

Will Middle East Unrest Topple the Fragile Recovery?

Heather Hollingsworth — Sat, 26 Feb 2011 04:33:49 +0000

The world has been transfixed on the events in Egypt. Peaceful protest has unseated the government and created an unexpected change in one of the largest Middle Eastern nations. The ripples from this successful protest could impact economies all over the world. Even if Egypt is able to install a stable government in a quick fashion, it will still be a long time before the Middle East can settle into a business as usual frame of mind.Read the rest...

Thinking About Working Overseas? Read this First!

Heather Hollingsworth — Mon, 28 Feb 2011 06:00:00 +0000

Working overseas might seem like a chance to live a perpetual vacation lifestyle. The truth is, daily existence requires the same discipline and work ethic no matter what country you are in. That said, there are some cultural differences in foreign countries that can make life seem simpler to someone who grew up in a Western culture. Expatriate workers enjoy a higher standard of living due to tax regulations and the value of the United States dollar compared to foreign currency.Read the rest...

Five Heavenly Pillows and Where to Buy Them

Heather Hollingsworth — Tue, 01 Mar 2011 19:22:49 +0000

The definition of the best pillow can vary from person to person. Some people prefer pillows that their heads can sink into, while others like a little more support when they sleep. No matter what you personally like best, there are pillows of every shape and category that rise to the top of the list. The following five pillows range from foam to down, and they represent the highest quality pillows on the market today.
Read the rest...

Five Reasons Movie Prices are Skyrocketing

Heather Hollingsworth — Wed, 02 Mar 2011 22:59:53 +0000

The average movie price recently topped the $8 mark in the United States. That average price includes matinee and children's ticket prices, which means that the price of an adult movie ticket during peak hours is even higher than the $8 average. In Manhattan, moviegoers are coughing up as much as $19 for single adult tickets to see IMAX 3D movies at the theater. About 20 years ago, the movie theater was the only place to see a film on a big screen with stereo surround sound. Today, though, many people have their own personal theaters installed in their own houses.Read the rest...

Americans Finally Get It, But Is Saving Money Slowing Recovery?

Heather Hollingsworth — Thu, 03 Mar 2011 06:00:00 +0000

The numbers show that Americans took home more money in January than economists had expected. The 1% gain in income was much higher than the 0.3% that most analysts were calling for at the beginning of the year. Changes in taxes are responsible for the majority of the extra cash that workers took home. Unfortunately, the rise in income hasn't resulted in a large advance for the economy, which is still holding steady at old levels.Read the rest...

Breast versus Bottle - How Much Can You Really Save?

Heather Hollingsworth — Fri, 04 Mar 2011 06:00:00 +0000

The debate between breastfeeding and bottle-feeding has raged on for decades. Sometimes the main reason for choosing to breastfeed has to do with finances. Even though there are some necessary items that a breastfeeding mom will need, like breastfeeding bras, nursing pads, and pumping equipment, the overall cost of breastfeeding is negligible compared to the cost of infant formulas. Health benefits related to breastfeeding can also cut costs in other areas for both the mom and the baby.Read the rest...

8 of the Worst Credit Cards Ever!

Heather Hollingsworth — Mon, 07 Mar 2011 22:38:38 +0000

When used properly, most credit cards offer you the chance to build your credit rating without spending any extra money. Some cards are absolute money pits that should be avoided at all costs, however. Even if your credit rating is not stellar, there is no reason to put up with outrageous interest rates and crazy monthly fees for the privilege of carrying a credit card. You can find a card that will give you what you need without taking you to the cleaners.Read the rest...

3 Ways Insurance Helps You Get Out and Stay Out of Debt

Guest Blogger — Wed, 09 Mar 2011 00:44:43 +0000

An insurance policy is a contract that protects you financially in case you are caught in an unforeseen situation. Thus, insurance policies are there to cover for all the times that you are involved in a risky situation. You should also remember that your insurance may also help you if the financial disaster that is affecting you is debt. Thus, if you are in debt, then you can make use of your insurance to provide you relief from it instead of using various debt solutions such as the consolidation of debt. Read the rest...

Can’t Afford a Hybrid? Try These 4 Easy Ways to Boost Your MPG

Guest Blogger — Fri, 11 Mar 2011 20:26:10 +0000

Gas prices are on the rise again, which may have you envying your neighbor’s hybrid or plug-in electric car. But even if you’re late to the alternative fuel vehicle game, there are still ways to boost your miles per gallon and cut down on fuel costs without driving less or buying an expensive new car. Here are a few easy ones:Read the rest...

How to Send and Receive Faxes for Free - Really!

Jessica Bosari — Wed, 09 Mar 2011 06:00:00 +0000

You can send and receive faxes for free, even without a fax machine! All you need is a computer and an email address. If you only use faxes occasionally for personal use, you don’t need to buy a fax machine, sign up for a paid fax service, or run across town to the office supply store or library. While you won't find a free option that is ideal for business, you can still send business faxes for very little money without buying a fax service subscription. To do the job, you need two different services.Read the rest...

How it All Works: The Complexity of Credit Card Processing

Guest Blogger — Tue, 15 Mar 2011 05:00:00 +0000

Normally we don't think of how credit cards actually work, because for the most part it's not an important topic to us. We scan our cards, and they go through--simple as that. What happens, though, when your credit card is denied? Then there's the subject of interest rates and overdrafts and other such issues. That makes the concept of credit card processing a worthwhile system to understand. Moreover, you benefit from understanding because your credit standing ultimately benefits. Here's how it works:Read the rest...

War Tax Resistance: Live Simple, Leave the Country, or Go to Jail

Jessica Bosari — Mon, 14 Mar 2011 05:00:00 +0000

There are many reasons some people become tax resisters. Usually, it is because of a desire to stop funding the wars they view as immoral. These folks feel obligated to stop adding their own personal funds to the coffers of the war chest. Most of us think tax resisters are criminals who belong in jail, but that may not be how it plays out. Tax avoidance as a form of war protest can be done legally. It just won't be much fun. Protesters would need to be truly dedicated to the cause before they became comfortable living the type of lifestyle required or taking the drastic measures needed to legally avoid taxes.Read the rest...

How to Fix the Economy: It Starts With You

Jessica Bosari — Wed, 16 Mar 2011 05:00:00 +0000

The economy is still in dire straits, but there is a light of improvement beginning to shine. You may not realize that the actions of each individual can make a big difference for the country as a whole. In a consumer-driven economy, you are the cogs turning the wheel. I'm not saying you should spend more money or buy more stuff. I'm saying, you can help by choosing where you spend your money more carefully.Read the rest...

Are they Freegans or Just Freeloaders?

Jessica Bosari — Thu, 17 Mar 2011 14:33:06 +0000

I'm not really sure what to make of the Freegan lifestyle. While I strongly believe in some of the things they do, others seem down right insensitive, lazy and disruptive. Freegans are relative newcomers to the environmentalist scene who object to a profit-driven economy. They consider it the basis of all evil and injustice. Freegans do their best to avoid spending money at all costs to prevent supporting greed-driven corporations responsible for the excesses abd throwaway mentality of today's consumers.
Read the rest...

Should You Take Over a Lease?

Jessica Bosari — Fri, 18 Mar 2011 19:20:06 +0000

When it comes to cars, people have several options. You don't have to buy or finance a car. Instead, you have the option of leasing a car. A lease seems similar to financing because you make monthly payments. However, there is no ownership stake in the car. As a result, you often can find better rates. Of course, even getting a new lease may not be best for you. Fortunately, you can take over someone else's lease. Doing this has both benefits and risks. Here is a look at some of the pros and cons of taking over someone's lease.
Read the rest...

Want an IRS Audit? Try These Four Tips!

Jessica Bosari — Mon, 21 Mar 2011 05:00:00 +0000

Each year millions of Americans file their income tax returns and inwardly cringe at the thought of an audit. While the chances of an IRS audit hover at around one percent, the dread still sits in the pit of each taxpayer’s stomach. If having an IRS examiner peering at all of your records is the sort of thing you enjoy, try these tips the next time you file.Read the rest...

Is Your College Student Packing Heat?

Jessica Bosari — Tue, 22 Mar 2011 05:00:00 +0000

Have a teen getting ready to head off to college? Whether you hate the idea of your child living among armed peers, or if you see guns as necessary for protection, you'll definitely want to know which schools allow students to carry guns. If you're going to put your hard-earned dollars into your child's education, you want them to make it through college in one piece.Read the rest...

When Will T-Mobile Get The iPhone

Jessica Bosari — Wed, 23 Mar 2011 21:57:16 +0000

Recently, AT&T announced a deal that it was buying T-Mobile, a rival cell phone carrier. The deal is in the early stages of the approval process, but it is reported to be worth $39 billion. Currently, T-Mobile has about 34 million customers. AT&T, with around 95 million customers, has about three times as many. Together, that will put close to 130 million customers under the new company. AT&T would be the largest cellular phone company in the United States. However, existing T-Mobile customers have a couple of things on their minds. First, what will happen to their current rates? Second, when will they have access to the iPhone, the most popular smartphone on the market?Read the rest...

Personal Finance Writer Helps In Japan

Jessica Bosari — Thu, 24 Mar 2011 05:00:00 +0000

You can help too. Visit jasonkelly.com/helpjapan/.

I first met Jason Kelly last year when I reviewed his radical personal finance book, "Financially Stupid People are Everywhere, Don't be One of Them." Both the book and Jason left lasting impressions on me. Jason's kindness and patience in helping me work out my opinion of the ideas expressed in the book were above what I expected from any author. Jason lives in Japan, so when the earthquake disaster hit, he was the first person on my mind. I recently checked up on him to see how he was doing and found out he is once again going above and beyond, this time, helping the Japanese find comfort in the disaster. While most foreigners abandoned Japan during the crisis, Jason dug in his heels and went to work helping. He is now delivering clean, fresh socks to the thousands whose feet are exposed in the cold climate.Read the rest...

Three Celebrity Endorsements that are Just Wrong

Jessica Bosari — Fri, 25 Mar 2011 05:00:00 +0000

Celebrity endorsements have been around forever. Advertisers use celebrities because they grab consumers' attention and give them a sense of trust, with a message coming from someone they admire. Wilford Brimley advertised diabetes supplies and Robert Wagner endorses reverse mortgages. Of course, some celebrity endorsements are harmless, while others are just plain wrong. Here is a look at the three most irritating celebrity endorsements I have seen.Read the rest...

Is it Smart to Pay by Smartphone?

Jessica Bosari — Mon, 28 Mar 2011 05:00:00 +0000

Smartphones have made life easier for people in a number of ways. Thanks to a number of apps, people can stay up to date on most aspects of their lives. This includes reading news, watching movies, playing games, and banking. One of the neatest functions of a smartphone is the ability to use it to make payments. There are a number of ways to make payments using your mobile phone. However, are these methods safe? Here is a look at several payment methods along with any safety issues you should be concerned about.Read the rest...

ThreeTech Gaffs that Can Get You Fired!

Jessica Bosari — Tue, 29 Mar 2011 22:01:40 +0000

Although most people do not give much thought to the subject, it seems that bad tech habits are doing much more than just leaving a bad impression...these days, they can get you fired. The range of career ending missteps involving technology is wide and varied, with some seeming like common sense, and others, well, not so much.Read the rest...

Can you really save money by making your own soda at home?

Jessica Bosari — Wed, 30 Mar 2011 20:08:46 +0000

Whether make-it-yourself soda works for you really depends on how much soda you drink. It's easy enough that anyone can do it, so soda junkies may find savings in a make-it-yourself home soda machine. These machines are not the behemoths you see at restaurants. In fact, they are small enough to fit in your kitchen cabinets.Read the rest...

Uninsured? Save Money With A Local Clinic

Jessica Bosari — Thu, 31 Mar 2011 05:00:00 +0000

The latest figures from the United States Census Bureau are from 2008. As of September of 2010, 50.7 million Americans have no health care insurance. The reasons for this are many and they are grim. Employers cutting jobs, companies eliminating health care insurance for employees, families cutting insurance coverage to cut costs, the escalating cost of health care are just a few. It's been three years since the recession began and presently, there is no end in sight. The talking heads on TV say there is some evidence that the recession is over, but the fifty million uninsured Americans haven't seen that evidence.Read the rest...

eBay Buys GSI, but Why?

Jessica Bosari — Fri, 01 Apr 2011 18:13:28 +0000

eBay, in a deal announced on Monday, March 28th, has bought out GSI Commerce. GSI is a multi-service company that currently provides e-commerce solutions, including marketing, payment processing and customer service, to over 180 different companies such as Zales, Toys R Us and Radio Shack. The merger deal, worth $2.4 billion dollars, is eBay's most expensive purchase since 2005 when the online auction company bought Skype for $2.6 billion.Read the rest...

Roofing Repairs 101: Three Cost-Effective Solutions

Guest Blogger — Tue, 05 Apr 2011 23:32:04 +0000

Until someone figures out a way to repeal the law of gravity, roofs are always going to be high- priority items. And as we all know, high priority very often also means high maintenance. But with so many demands on our wallets these days, the last thing we want to think about is the prospect of shelling out big bucks for roof repairs. Yet we all know the day will come when our roof starts giving us not-so-gentle hints that it's about time to do something. Sometimes the clues take the form of moisture stains on our interior walls. Other times we may start seeing sunlight beams poking through the shingles. In extreme cases, a hurricane might cause some damage that makes our roof scream out for mercy. Very often, none of these things happen but instead we begin to notice a steady increase in our energy bills for no apparent reason.Read the rest...

Saving for College: Start Early and Diversify

Guest Blogger — Thu, 07 Apr 2011 01:37:43 +0000

Competition for entrance to the schools of your choice is tough and getting tougher every year. Paying for college is even more difficult, because grants, scholarships and loans are becoming tougher to obtain, as well. Almost every student has to pay at least some of the costs incurred in obtaining a higher education. The more you save before you enter college, the less you'll have to earn when you're also attending classes, studying, writing papers and developing a social life.Read the rest...

Do You Really Need a House that Big?

Heather Hollingsworth — Mon, 04 Apr 2011 05:00:00 +0000

The trend in every housing market in the United States right now is toward bigger houses. Even the smaller homes are being built twice as large as they would have been just 30 years ago. All of that extra space can be nice if you have a big family, but it can be difficult and expensive to keep up with year round. Moving to a smaller house can save you money and decrease your carbon footprint.Read the rest...

Need a Job? Don't Turn Your Nose Up at McDonalds

Heather Hollingsworth — Thu, 07 Apr 2011 05:00:00 +0000

Finding good paying jobs has been something of a challenge over the last few years for many people who are out of work. Even fast food positions have been hit or miss in this struggling economy. Indications are beginning to show that jobs are opening up across the nation, and McDonald's is leading the way. The company expects to hire as many as 50,000 new workers this month.Read the rest...

Need it? Want it? Five Tips to Help You Be Honest with Yourself

Heather Hollingsworth — Fri, 08 Apr 2011 16:18:02 +0000

There is a fine line between what you need and what you want sometimes. Do you need cable service? Or can you get by with a less expensive option? Is it necessary to purchase a laptop when you do most of your work on your desktop that is in great shape? Separating what is a need from what is a want can be painful, but it can help you stay on budget so that you can afford the things that are really important to you in the long run.Read the rest...

How to Pick a Good Mattress Based on the Facts

Heather Hollingsworth — Mon, 11 Apr 2011 05:00:00 +0000

Note from the editor: I recently had to buy a mattress for my son's twin bed. I found one at IKEA for $99. Plus, a zip-off washable cover was included. In my search, I couldn't find a mattress anywhere else for under $300. They may just have the best deal going.

Buying a mattress can be overwhelming these days. Mattress companies release dozens of different models every year, costing anywhere from hundreds to thousands of dollars each. The only real way to tell if a mattress is a good choice for you is to lie down on the mattress to see if you like it. Otherwise, most mattresses are really pretty much the same, no matter how much they cost.Read the rest...

Four Often-Overlooked Ways to Save on Your Income Taxes

Guest Blogger — Tue, 12 Apr 2011 05:00:00 +0000

Tax season is here. Many people dread this time of year but it doesn’t have to be as stressful as you think. There are a lot of ways to save money on your taxes. No, I’m not going to tell you any magical way that you can cheat the government. You will however learn about some deductions that people don’t realize exist. This can really save you a bundle on your taxes.Read the rest...

9 Ways to Save on Beauty and Skin Care

Guest Blogger — Wed, 13 Apr 2011 05:00:00 +0000

You may have a bathroom full of beauty products that are everyday essentials or prefer to splash out just a little with your skin care. After all, we all have our little indulgences. But whether or not beauty is a trial or your special treat, there is plenty you can do to get the most out of your purchases. Here are 9 tips to help you get great value for money from your skin care:

Read the rest...

Is Network Marketing for You? What You Need to Know...

Heather Hollingsworth — Thu, 14 Apr 2011 05:00:00 +0000

Network marketing jobs can be extremely lucrative for individuals who enjoy selling products directly to their customers. Most network marketing positions allow the salesperson to control his or her salary through choosing how aggressively they approach their sales work. It can be a nice part time job for a little extra spending money, or it can be full time work that pays all of the bills. Before you dive into the network marketing world, you need to decide if this kind of work is right for you.Read the rest...

A Lot of Car for a Little Money: Five Best Picks

Heather Hollingsworth — Mon, 18 Apr 2011 05:00:00 +0000

Today's car market has made it easier for average consumers to afford a little more luxury for their car buying money. Companies like Hyundai and Kia have changed the rules about how much comfort can be purchased at a more affordable price. Established companies like Ford, Buick, and Subaru are following this trend by offering better luxury in their mid-range sedans. You could still spend hundreds of thousands of dollars for a Lexus or Mercedes, but you could save your money and still enjoy the perks of a luxury car with any of these top 5 picks.Read the rest...

How to Reduce Credit Card Debt Fast

Guest Blogger — Wed, 13 Apr 2011 19:16:41 +0000

Credit cards can be a great asset as they allow you to have access to a line of credit that you may not have otherwise if it were not for the credit card. Used right they can really aid your cash flow each month. On the other hand, if you have already accessed this line of credit and find yourself now in the position of having to pay this debt back and want to do if fast, then there are some things you can do speed up the paying-back process (which will also save you lots of money on interest payments!).Read the rest...

Free Admission to National Parks in April Vacation: Some Restrictions Apply

Heather Hollingsworth — Fri, 15 Apr 2011 05:00:00 +0000

The United States is home to 394 federally run national parks. Every state has at least one, and most states have several. If you are ready to enjoy the warmer spring weather outdoors in a wonderful environment without spending too much money, you might want to schedule your trip for mid-April. Read the rest...

Are Today's Households More Prudent?

Heather Hollingsworth — Mon, 25 Apr 2011 05:00:00 +0000

The recent recession had a widespread impact on households in every economic sector. Unemployment, high energy prices, and rising food costs have caused consumers to evaluate their spending habits and make a few changes. While homeowners appear to be more frugal these days, economists hope they don't see too much of this good thing.Read the rest...

Three Professionals to Consult Before You Start that Home Improvement Project

Heather Hollingsworth — Tue, 19 Apr 2011 05:00:00 +0000

It is important to do some research before you begin a large home improvement project. Three specialists in particular can be the most useful for ensuring your construction project will be practical, affordable, and increase the value of your home. speaking to these professionals can make the difference between spending wisely or foolishly on your home.Read the rest...

Who Pays for the Wedding these Days Anyway?

Heather Hollingsworth — Wed, 20 Apr 2011 05:00:00 +0000

Wedding traditions have been slowly changing over the last couple of decades. One thing that has changed the most is how the family pays for the wedding. It’s not automatically up to the bride’s father anymore, nor are other costs covered the same way they use to be. Today's bride has more control over her wedding choices, because she has more control over wedding finances.Read the rest...

Five Cheap Easter Decorating Options

Heather Hollingsworth — Sat, 23 Apr 2011 14:29:49 +0000

Easter decorations can be fun and festive without emptying your bank account. It doesn't take much to make an Easter Sunday special for the whole family. Almost any decorations that celebrate spring will add to the fun of the day. Cut flowers from your own garden can be some of the best decorations, and they will not cost you anything extra at all. If you are celebrating with children, you can have them help you create imaginative new decorations using common arts and crafts tools.Read the rest...

Four Reasons You Should Give Up Your Stock Investing Fantasies

Guest Blogger — Tue, 26 Apr 2011 16:15:30 +0000

Picture this. You study up on investing strategies, do your homework, unearth some hot stock tips and then invest a decent chunk of money. Next thing you know, you’ve made a killing and can retire to live the high life. It’s a nice thought. Even if you don’t have such delusions of grandeur, you’d probably like to think that with a little effort and education, you could actively manage your portfolio and outpace market returns. How hard could it be? Think again. Here are three reasons you should give up your stock investing fantasies.Read the rest...

Should You Enter a Gap Year Program or Just Wing It?

Guest Blogger — Wed, 27 Apr 2011 05:00:00 +0000

The "gap year" taken between the years of high school and college can be a fulfilling time in which young men and women can explore and develop, both intellectually and physically. This year is often the perfect time to gain such life experiences, but the question that lingers is whether to enroll in a program for the duration, or to go it alone.Read the rest...

11 Answers to Your Low Income Housing Questions

Jessica Bosari — Thu, 28 Apr 2011 05:00:00 +0000

Low income apartments are becoming harder and harder to get as the numbers of people needing help are on the rise and the fund available to help them are decreasing. The number of people paying more than half their incomes towards housing is at an all time high. One third of those making between $14,500 and $30,000 per year are facing a hard time finding a place to live that they can afford. In most cases, they need to find Section 8 Apartments. The best way to secure one is to understand how they work. To help you do that, we have compiled a list of important questions and answers about low income and Section 8 housing.Read the rest...

Four Ways to Save on Apartment Living

Guest Blogger — Fri, 29 Apr 2011 15:49:04 +0000

People choose to live in apartments for various reasons. Young adults just out of high school, or college usually view apartment living as a convenient option that allows them to explore living solo, while starting new careers or going to college. Others may not have the resources or credit necessary to purchase permanent dwellings; and there are those who do not want to commit to mortgages, taxes and the maintenance responsibilities of home ownership. Whatever the reason one chooses to live in an apartment, most everyone will agree that cost does factor into choosing an apartment or other rental property.Read the rest...

Five Least Stressful Healthcare Jobs

Guest Blogger — Fri, 29 Apr 2011 23:33:53 +0000

Want a job that helps others, pays well and doesn't stress you out? Healthcare is an excellent field to look for work in a challenging economy. Career Cast ranked the top 10 least stressful white collar jobs for 2011 and 5 health care jobs were on the list. Some of the stress factors considered in the ranking were income opportunity, competitiveness, travel, hazardous work environment, and if lives are at risk.Read the rest...

The Smartest Way to Pay When You Owe the IRS

Cheryl Johnson — Tue, 03 May 2011 00:42:53 +0000

No one wants to owe taxes to the IRS; however, if you find yourself in that situation, you need to know your options. If at all possible, pay what you owe in full. The IRS accepts checks, money orders, cashier’s checks and major credit cards. You can also pay electronically through the Electronic Federal Tax Payment System (EFTPS) at no charge.Read the rest...

Five Lessons from the Obamas' 2010 Tax Returns

Cheryl Johnson — Tue, 03 May 2011 19:19:35 +0000

The Obamas recently released their 2010 tax return, revealing an adjusted gross income (AGI) of $1,728,096. While this is a nice haul to most people, it’s a two-thirds pay cut from the $5.5 million they earned in 2009. They paid $453,770 (26%) of their income in federal taxes and $245,075 (14%) of their income to charities. President Obama earned $400,000 as Commander-in-Chief, but the bulk of their earnings came from his book sales. While those numbers are a bit overwhelming to the average taxpayer, there are still lessons that anyone can apply to their own finances.Read the rest...

Never Miss Mileage Deductions Again

Cheryl Johnson — Wed, 04 May 2011 20:15:41 +0000

If you own a small business or are an employee with business mileage, you know that the mileage deduction can save you money on your taxes. The rate is going up in 2011 to 51¢ per mile, making it an even more lucrative deduction. However, keeping track of mileage can be a hassle; forgetting to record trips, having to guess at mileage and keeping up with written logs can be time consuming and stressful. There’s a handy little gadget that can take those problems off your hands; it’s called CarCheckup, and it makes keeping up with mileage virtually painless.Read the rest...

When to Refinance Your RV, Motorcycle, or Boat

Guest Blogger — Wed, 04 May 2011 20:49:47 +0000

Back in 2002, vehicle loan rates hit historic lows, and many financial experts began urging motorcycle, RV and boat owners to consider refinancing while the time was ripe. Today, we’re in a very similar situation, where auto loan interest rates are at all-time lows, but are expected to begin climbing steadily in the next few years. Based on that analysis, it seems that now would be the best time to lock in those low interest rates with a motorcycle refinance, RV refinance or boat refinance. For many borrowers, this is true—read on to find out if you’re among them.Read the rest...

Sweating This Year's Tax Return? The IRS Has 3 Years to Catch Up

Cheryl Johnson — Fri, 06 May 2011 05:00:00 +0000

It can be easy to get caught up in the last minute rush to file your taxes by April 15. That deadline creates panic in many households across the nation when it doesn't necessarily have to, though. If you understand the statute of limitations that the IRS works under, you could ease your tax worries without increasing your tax burden. The statute of limitations can work in your favor more often than not.Read the rest...

Impulse Buying? Your Last Name Might be to Blame

Cheryl Johnson — Mon, 09 May 2011 21:48:32 +0000

Are you an impulse buyer? You may now have an excuse – it’s all your last name’s fault. People whose last names start with letters toward the end of the alphabet are more prone to impulse buying. According to a study to be published in the Journal of Consumer Research, the “last name effect” seems to stem back from childhood.Read the rest...

How Safe Is Your Cell Phone?

Cheryl Johnson — Tue, 10 May 2011 05:00:00 +0000

People from all ages are now using cell phones in their daily lives. Cell phones can now perform many of the same functions as a computer. Therefore, criminals are starting to find ways to hack into a cell phone, just as they would a computer. You can now talk, text message, compose and receive e-mail, get on Facebook, or even access your financial records. While cell phones are amazing technological devices, they can also be vulnerable to criminals.Read the rest...

Don't Let Divorce Ruin Your Credit

Cheryl Johnson — Wed, 11 May 2011 19:15:35 +0000

Going through a divorce can leave you emotionally, mentally and physically drained. Money is the last thing most people want to think about when they have aching hearts. However, you must protect your credit, so that your credit score will not be damaged and leave you hurting financially as well. Look into all of your accounts and take the appropriate action to protect yourself.Read the rest...

Don’t be a Sucker; Avoid These Five Tricky Pricing Gimmicks

Cheryl Johnson — Fri, 13 May 2011 01:08:51 +0000

Think it's buy one, get one? Don't jump so quickly. It's probably buy one, get one half off. This is just one trick retailers use. Whether we like it or not, bargain hunting requires that we stop and pay attention. Some of us enjoy bargain hunting; some don’t. Whichever category we fall into, we need to be aware that retailers employ a laundry list of tricks in order to get us to spend more. Here are some gimmicks to watch out for and how they work.Read the rest...

Five Reasons Cheaper Interest Doesn't Mean a Cheaper Mortgage

Cheryl Johnson — Fri, 13 May 2011 05:00:00 +0000

Hovering around 4.9% on a 30-year fixed mortgage, interest rates are near historic lows. Currently good news for home buyers and the housing market, right? Yes, but it does not tell the whole story. After the housing market collapse in 2008, the Obama administration took the opportunity to draft legislation to rein in the mortgage industry and banking system. Last year Congress passed the Wall Street Reform and Consumer Protection Act, better known as the Dodd-Frank Act, in an effort to avert another housing disaster. Some of the new rules resulting from the legislation have recently gone into effect and may end up increasing the costs of buying a home.Read the rest...

Renting out? Do it Right.

Cheryl Johnson — Mon, 16 May 2011 05:00:00 +0000

Interested in renting out a room in your home or rental property? In this economy when houses are increasingly difficult to sell, renting may provide a lucrative alternative. Others look at renting as easy money. Just spruce up a place, do a little maintenance and watch the money come rolling in. The truth is that it can be a dream or it can be your worst nightmare. If you have good renters that pay on time and take care of the property, renting can be a good source of income. However, like any worthwhile venture, it’s not a get-rich-scheme and requires advance planning to increase your chances of success.Read the rest...

Think You're Getting Your True Credit Score? Think Again.

Jessica Bosari — Tue, 17 May 2011 05:00:00 +0000

Everyone knows your credit score can make a big difference in your ability to make large purchases or qualify for certain types of insurance. It's important to keep track of your credit report so that you can make sure everything listed is accurate. Some services have been taking advantage of rising public interest in credit reporting to lure customers in to buying credit reports. FreeCreditReport.com and FreeCreditInfo.com are two websites owned by Experian engaged in the business of selling credit reports. Each site offers a free credit score, but consumers are now learning that the score they received had nothing to do with the scores that lenders evaluate.Read the rest...

You Can Afford That Baby. You Just Need Less Stuff!

Jessica Bosari — Wed, 18 May 2011 11:40:31 +0000

Nowadays, a common belief is that babies are expensive. Advertisers have us believing that newborns need a lot of costly items like state-of-the-art strollers and intelligence-enhancing crib gadgets. Let’s be honest, in some circles, baby accoutrements are the new status symbols. The truth, however, is that babies, especially in their first couple of years, require very little. So, it’s time to eschew any baby-related pretence and uncover the secret of clutter-free, affordable baby rearing.Read the rest...

A Great Idea: INGDirect for Kids

Jessica Bosari — Thu, 19 May 2011 22:07:39 +0000

When I first heard about ING Direct's new savings program for kids, I got excited. The program is called Orange4Kids, and it includes all the basics of a normal online savings account. The kid’s accounts are FDIC insured up to $250,000, there are no fees or minimum balance requirements, and the account is on a kid-friendly website. An adult must cosign on the account since kids cannot make withdrawals.Read the rest...

Microsoft? Google? These Days It's All the Same

Jessica Bosari — Fri, 20 May 2011 23:17:44 +0000

With the recent purchase of Skype, the Internet video calling company, Microsoft continues to expand into markets typical to Google. Microsoft paid 8.5 billion dollars in an all-cash deal, leaving investors skeptical. This, the largest deal Microsoft has made in its history, might just be too rich for investors. Analysts see no way Microsoft can generate enough revenue and profit from Skype to compensate. Microsoft outbid other software giants such as Google and Facebook, who offered to partner with or buy Skype for $3 - $4 billion.Read the rest...

Most Big Companies Suck to Work for...11 That Don't

Heather Hollingsworth — Mon, 23 May 2011 05:00:00 +0000

When you think of working for a large company, you probably imagine cubicle farms and deep levels of redundant middle management. In many cases, you wouldn't be far from the truth. Working for a big company can be tough. It is easy to get lost in the shuffle and feel like the company doesn't care about you at all. Not every company is like that, though. More large corporations have begun to recognize that having happier employees results in better overall productivity. High tech companies like Intel and Google are leading the trend toward becoming better places to work.Read the rest...

Seven Apps to Make Money Using Your Smart Phone

Heather Hollingsworth — Thu, 26 May 2011 01:49:20 +0000

You can put your iPhone or Android phone to work for you with the easy-to-use apps that pay you money when you perform simple tasks. This new form of advertising offers amounts that range from pennies-per-action to dollar amounts for people who are willing to download apps or take photos of certain objects and upload them to a remote server. The advertiser hopes that you will take the photo of the product and then drop the product in your shopping cart. Some of the apps involve more work, but they all offer real cash rewards.Read the rest...

Five Tips to Manage Family and Personal Finance

Heather Hollingsworth — Tue, 24 May 2011 05:00:00 +0000

Financial responsibility is not genetic. While some parents do a great job of teaching their kids how to handle money, many people have to learn money management skills on their own. This can create some painful situations when the adult child is financially secure and the parents are financially unstable. Emotional bonds can make financial decisions even more difficult in these situations.Read the rest...

Why You're Wasting Money on Credit Card Insurance

Heather Hollingsworth — Thu, 26 May 2011 05:00:00 +0000

If you carry a large revolving balance on your credit card, you might be nervous about what would happen if you were suddenly unable to make your payments. Major credit card companies offer credit insurance that would suspend your interest and payments for a period of time after a major life change. The insurance would eliminate your balance altogether if you are unable to work anymore due to an illness or injury. Unfortunately, credit card companies can make it very difficult for you to cash in on your insurance when you need it most.Read the rest...

Top Ten Sites for Job Search

Jessica Bosari — Fri, 27 May 2011 16:19:14 +0000

The internet is a great place to begin your job search. You can upload your resume to many databases so that employers can find you while you are working to find them. Some of these sites are specific to certain types of work, while others provide job listings for several different career paths.Read the rest...

Save Real Estate Commissions by Selling Your Home Yourself

Heather Hollingsworth — Mon, 30 May 2011 23:34:59 +0000

Many of the things that a licensed realtor handles during the sale of a home are things that you could do on your own and save a ton of money. The realtor's job is to market your home and help you prepare the home for sale. When your home receives an offer, the realtor will work with the potential buyers to negotiate all of the final details of the sale. If you put in some time and research, you can handle all of these tasks on your own without paying a realtor's high fees. The only area you may need professional help with might be the negotiations at the end of the process, but there are resources that are less expensive than hiring a realtor for the entire sales process.Read the rest...

Is Extreme Couponing Just another Form of Hoarding?

Guest Blogger — Tue, 31 May 2011 15:28:48 +0000

One byproduct of the recent economic downturn is a renewed interest in saving money. The reality-TV phenomenon "Extreme Couponing," sought to feed that interest. Instead, the show shocked and disgusted many watchers. Extreme couponers can save hundreds of dollars on their groceries by taking advantage of as many coupon possibilities they can find. They are exceptionally organized and spend hours collecting and sorting coupons from every possible source. On the acceptable side of the social behavior spectrum, these coupon shoppers will purchase large numbers of sale items they can use and store them until needed. However, some buy in excess simply because the items are cheap or free and stock away hundreds of items they could not possibly use in a lifetime. The idea of saving money through couponing is a good one, but taken to an extreme it can become an unhealthy obsession.Read the rest...

Summer Celebrations: Five Affordable Cocktails

Heather Hollingsworth — Wed, 01 Jun 2011 05:00:00 +0000

Summer gatherings call for some fun drinks that are as cool as they are entertaining. It's more fun when your fancy drinks don't empty out your summer savings account, though. The following cocktails will liven up any summer party without much effort or expense. They are all easy to mix and can be served in almost any kind of cocktail glass.Read the rest...

Bankruptcy: What You Need to Know

Cheryl Johnson — Thu, 02 Jun 2011 05:00:00 +0000

Filing personal bankruptcy is becoming more common, especially in this tough economy. Some of the stigma associated with bankruptcy has disappeared over time. People use it to wipe out debts, stave off foreclosure or just start over. Still, while it’s nothing to be ashamed of if you feel it’s your best option, you need to be aware of the ramifications of filing. It affects your credit report for 7-10 years and can negatively impact interest rates on credit cards and loans and even insurance premiums. Bankruptcy can negatively influence prospective employers. It also usually won’t eliminate child support, most student loans or taxes owed.Read the rest...

Slightly Imperfect, Totally Affordable!

Jessica Bosari — Fri, 03 Jun 2011 14:52:26 +0000

If you're not a stickler for perfection, you could save a ton of cash on some items discounted because of imperfections in their packaging. Manufacturers can't sell these items for full price because of the defective packages, even though the products themselves are in good condition. If you know where to look, you can bring home slightly imperfect items and spend a third of the money on your groceries, appliances, or furniture. You only have to be willing to overlook the exterior and appreciate the product for its intended purpose.Read the rest...

Exercising can Save You Money

Guest Blogger — Tue, 07 Jun 2011 00:38:46 +0000

Did you know that exercising could save you money? It’s definitely true, especially when you look at today’s statistics about obesity and personal costs. According to a recent article in Forbes Magazine, about a third of Americans are considered obese, and six in ten are on their way to obese by being overweight. Here are a few statistics from that article that you might want to consider:

Read the rest...

One Year Plan to Financial Health

Tim Iandoli — Wed, 08 Jun 2011 02:52:17 +0000

Creating a financial plan is a necessary tool in planning for a successful future. The first step is to create a rough outline of what your end goals are and a few targets to get there along the way. The following are a few things you need to keep in mind when drafting your first outline.

First, you need to gather your monthly bills such as; credit cards, cell/home phone bill, cable/satellite, insurances, mortgage and utilities. These bills are necessary as they keep your home running and your credit score inline Secondly, determine what weekly/monthly expenses are necessary such as; gas, groceries, and janitorial supplies and daycare if applicable. The last set of expenses come from luxuries; cigarettes, alcohol, dining out and shopping trips to the mall.Read the rest...

Five Amazing Kidpreneurs

Heather Hollingsworth — Wed, 08 Jun 2011 05:00:00 +0000

Who says starting a business is only for grownups? These five kids have all created their own successful businesses before the age of 20. The companies range from hair care products to popular gaming apps. What they all have in common is a good idea and the ability to follow through with that idea until it eventually pays off. Most of these kids will earn enough money in their teens to pay for their college education - as soon as they're old enough to go off to school.Read the rest...

Credit Complaints Finally Have an Ear

Heather Hollingsworth — Thu, 09 Jun 2011 05:00:00 +0000

The Consumer Financial Protection Bureau will begin accepting customer complaints in July of this year. This is the first time consumers will have access to a single bureau for complaints about credit card companies, mortgage lenders, and other lending institutions that have the power to negatively influence a consumer's credit rating. If you feel that your lender practices abusive or deceptive techniques that are costing you more money, the Bureau might be a good place for you to send a complaint. They will forward your complaint to the appropriate division of the government, which will follow up by investigating to see if any wrongdoing is actually taking place. Read the rest...

Scheduled Maintenance for Your Homeowner's Insurance

Jessica Bosari — Fri, 10 Jun 2011 12:24:06 +0000

Most people don't give their homeowner's insurance much thought after they sign the paperwork for their mortgage. It is important to understand that the purpose of homeowner's insurance is to protect you if anything unexpected ever happened to your home. If you never research the shifting insurance value of your home, you could end up underinsured when you need to file a claim. Several factors can lead to a home's value rising or falling over the years. The best way to avoid an unpleasant surprise is to keep track of your home's value over the long term. Schedule periodic research into the changing value of your home, and plan to make insurance adjustments based on new assessments.Read the rest...

Three Best Vacations for Your Budget

Guest Blogger — Mon, 13 Jun 2011 16:09:26 +0000

With money still tight for most American families, more people than ever are trying to find ways to vacation on a budget. Fortunately, it’s actually much easier to do this than most people think it is. In fact, not only can you get great deals on your vacation, but you may well find that the experiences you gain from a budget vacation are much more interesting and exciting than those you’ll get when you go on a more traditional vacation. Here’s what you need to know:Read the rest...

Creative Mulching: Five Free Mulches for Your Garden

Heather Hollingsworth — Tue, 14 Jun 2011 15:22:53 +0000

The benefits of mulching your vegetable garden are nearly endless. Organic mulches provide nutrients for the soil while they help keep necessary moisture from evaporating into the air. Using an average of two inches of mulch through the middle and late summer months can reduce your need for watering by more than half. The natural fertilizers in organic mulch help promote plant growth without the use of chemical fertilizers. A layer of mulch will protect the soil against erosion, and it will draw feeder roots up toward the rich surface where they will provide more nutrition for the plants.Read the rest...

iPad2 or Not To? Is it Worth the High Price Tag?

Tim Iandoli — Wed, 15 Jun 2011 05:00:00 +0000

Many consumers have seen a recent flood of advertisements for Tablets, such as Apple’s iPad2 and the Motorola Xoom. The question is “Are they worth the price tag that comes with them?” A consumer will pay for quality and functionality, but what they may not understand is the possible benefits these tablets can have even over the portable laptop or convenient smartphone.Read the rest...

Why Aren't You Saving Money Like This? Five Ways to Save

Heather Hollingsworth — Thu, 16 Jun 2011 05:00:00 +0000

If you have access to the internet at home or through your smart phone, you could be enjoying a completely new type of savings. Online memberships and coupon aggregate sites are popping up all over the internet. These sites make it easy to find the coupons or discounts that you will really use. Some of them will send the savings information directly to your social networking account. Others allow you to cash in on savings because you have agreed to join their site as a member. The nice thing about finding high tech deals is that the coupons and discounts can be personalized so you only receive information about products that actually interest you. You use the discounts more often because they apply to your life.Read the rest...

The Tablet Craze: What Should You Look for in a Tablet?

Jessica Bosari — Fri, 17 Jun 2011 22:01:35 +0000

Tablets are ultra-light, ultra portable fun machines. Not quite powerful enough for everyday computing, they make excellent supplements to a home PC. Most tablets come with 1G memory, but features can vary greatly from one maker to the next. The following review of the tablet market should help you decide which tablet is right for you, if you decide to buy one at all.Whether tablets are merely a fad or will evolved to meet the power of a PC with the portability of a tablet remains to be seen.Read the rest...

Bad with Money? Blame Your Brain

Jessica Bosari — Tue, 21 Jun 2011 02:53:28 +0000

It can sometimes be difficult to decide the value of a certain piece of merchandise and whether purchasing it is truly worth the cost. Scientists at the University of Pennsylvania have now determined the area of the brain that is responsible for making decisions about value. Tests utilizing functional magnetic imaging have identified the ventromedial frontal cortex as one of the most active areas when an individual is carrying out these tasks and therefore this area of the brain can be looked at as the area responsible for decisions made based on value.Read the rest...

How to Save Money No Matter What!

Guest Blogger — Fri, 24 Jun 2011 16:41:03 +0000

With many societies experiencing tough times, the idea of saving may have been totally forgotten as families struggle just to keep up with the basic expenses. Saving is hard especially when there seem to be nothing left to set aside.

Nevertheless it is still wise to at least try and review what else can be trimmed off from the budget to get that extra amount for an emergency or retirement fund.Read the rest...

Spend Less and Shop Better When You Sell Your Stuff

Jessica Bosari — Wed, 22 Jun 2011 05:00:00 +0000

Are you an impulse shopper who is out of control with your spending? Do you feel like you should always have the latest gadgets or designer clothing, but know that you should not spend the money on them because they are items that you do not really need or cannot afford? If so, a new shopping strategy called spend what you sell may be the answer to saving you hundreds of dollars a year while still allowing you to buy some new items.Read the rest...

The Bota Box: A Tribute to Cheap Wine

Jessica Bosari — Sat, 25 Jun 2011 15:46:23 +0000

Image Courtesy BotaBox.com

You have to be pretty frugal to pay a tribute to anything cheap, much less cheap wine. Most people react to the phrase “wine in a box" with a cringe. However, not every boxed wine puts a bad taste in your mouth. While several wonderful choices exist, one stands out above the rest.Read the rest...

How to Get the Most from Rebates

Jessica Bosari — Tue, 28 Jun 2011 00:03:13 +0000

Rebates are a method that manufacturers and retailers use to encourage consumers to buy their products. Offered for a wide range of items, save shoppers money and increase their sales simultaneously. Unfortunately, people sometimes find that the requirements for the rebate are difficult to fulfill, and they often end up being disappointed because what they were expecting never materialized.Read the rest...

Did You Know? Top Five Facts and Features of Your Checking Account

Jessica Bosari — Tue, 28 Jun 2011 05:00:00 +0000

Most people don't know everything their checking account allows them to do. For many, a checking account is just a place to keep money in order to pay bills and rent. However, as banks compete for your business, more and more are offering special features in order to keep customers. Below are the top five facts about your checking account that you probably don't know.Read the rest...

Dining Out Savings - Kids Eat Free

Jessica Bosari — Wed, 29 Jun 2011 22:36:53 +0000

Free is a word that everyone loves, and when it comes to dining out with kids, getting their meals free can make it an affordable and fun evening out for the entire family. In an economy that is still recovering from a recession, more families have opted to eat at home to save money. The word free is bound to get their attention, though.Read the rest...

Zulily Review: Some Love It, Some Hate It

Guest Blogger — Thu, 30 Jun 2011 18:30:19 +0000

Zulily is a web-based service that alerts you to special savings on mom and baby products. Some of the deals are incredible, with as much as 90% off every now and then. The products listed include every category of baby goods, from large items like car seats to smaller items like clothing. The merchandise is good quality and looks as if it could have come from an upscale boutique. The only one who will realize how little you paid is you.Read the rest...

Cleaning Strategies for Your First College Apartment

Guest Blogger — Thu, 30 Jun 2011 23:59:41 +0000

Are multiple strategies for cleaning really necessary? Unfortunately, for most of us the answer is yes. If you already you have a sparkling toilet bowl, spices arranged alphabetically in the cupboard and fresh sheets on the bed, you may have a rare trait of perpetual cleanliness. You are to be both congratulated and envied, but this is an article for the rest of us...those of us who lack a completely clear coffee table and have a least one laundry item that escaped from the hamper.Read the rest...

Five Free Activities for Kids during Summer Vacation

Jessica Bosari — Fri, 01 Jul 2011 05:00:00 +0000

It’s summer, the kids are out of school, and it’s time to find something fun to do. The only problem is that all that summer fun can get expensive. While amusement parks, hotels, and baseball games can make a major dent in your wallet, there are many great free activities available for kids of all ages.Read the rest...

Top 10 Fairground Cons

Guest Blogger — Tue, 05 Jul 2011 12:50:19 +0000

Have you ever wondered why you never seem to win that big, cuddly toy at a fairground? Well the truth is, many carnival games are designed to make you lose. Of course not all operators want to cheat you out of money, however, there are a lot of scams going on out there, so simply beware. If something looks too easy it probably is and don't be surprised if a challenge is simply impossible to complete! Here are ten fairground cons to look out for:Read the rest...

Name Brands on a Generic Budget

Guest Blogger — Wed, 06 Jul 2011 05:00:00 +0000

Sometimes, generics just won’t do.

Now, I love saving money, but there are certain items that I just don’t want to purchase from a knock-off producer. I want the real thing, and anything less is unacceptable. Unfortunately, my high-class tastes don’t mind that my wallet has high-class amounts of money in it. Even though I won’t settle for generic, I’m still on a budget. What’s a girl to do?

Read the rest...

Theft Protection for Your Wallet

Jessica Bosari — Thu, 07 Jul 2011 05:00:00 +0000

As we go about our daily routines, most of us carry either a wallet or a purse. Unfortunately, in a moment of distraction or when we least expect it, a clever thief might grab the wallet and take off running. Sometimes, we don’t even notice the theft until getting home and finding out that the credit cards have numerous unexpected purchases.Read the rest...

Investing in Certificates of Deposit

Jessica Bosari — Fri, 08 Jul 2011 05:00:00 +0000

Certificates of Deposit (CDs) are popular investment instruments used by individuals to earn a higher rate of return on their money while still enjoying the guaranteed safety of principal not found in other investment vehicles. Unlike traditional savings accounts, banks are able to offer a higher rate of return on CDs because they have assured access to the funds for a set period. In return for giving up the liquidity of the funds, the investor will earn more interest than they would have otherwise.Read the rest...

12 Ways to Capitalize on Your Next Annual Review

Guest Blogger — Mon, 11 Jul 2011 05:00:00 +0000

The annual review process can be very intimating for many employees, and subsequently they feel helpless to deal with it effectively. This doesn’t have to be the case. In fact, an employee armed with the right knowledge and information can not only deal effectively with the process, but use it as a stepping stone for greater compensation, promotion, and opportunity.Read the rest...

Financial Education - Is it Working?

Jessica Bosari — Tue, 12 Jul 2011 15:20:13 +0000

Most agree that financial literacy is not a skill that comes innately to most. With the labyrinth of interest rates, taxes and financial products to navigate, financial education would seem like a valuable tool for guiding consumers into making responsible choices regarding their money. Yet, is it really working?Read the rest...

Got Kids? Married Couples with Kids Make More than Live-ins

Jessica Bosari — Wed, 13 Jul 2011 09:22:29 +0000

The discussion about moving in together before marriage or getting married and then moving in together is one of modern society. For many couples, the choice to move in together is partly based on the idea of saving more money by sharing expenses. While two people living in the same house is not the same as one person, by sharing the cost of rent, utilities, furniture and other similar expenses, two people living together ultimately can save more money.Read the rest...

Laid Off? What to do About Your 401k

Jessica Bosari — Thu, 14 Jul 2011 05:00:00 +0000

As the economy continues to founder, many companies are attempting to stay afloat through downsizing. Unfortunately, while this might benefit the companies in question, it undoubtedly has a negative effect on the employees who are suddenly out of work. There are many dilemmas facing someone who is newly unemployed, and one of these questions is what to do with the employer-offered 401k now that the job is gone. Read on for tips about handling your 401k after a sudden job loss.Read the rest...

Christmas in July...Time to Look at Your Taxes

Jessica Bosari — Fri, 15 Jul 2011 05:00:00 +0000

What's the best time to plan and get ahead of your annual taxes? Midyear or during the month of July, you can already project your income for the next six months since you have the idea of your earnings from January to June.Read the rest...

How to Navigate Estate Sales

Tim Iandoli — Mon, 18 Jul 2011 23:48:28 +0000

If you learn to navigate estate sales, you will be able to get some great deals, maybe even a “one of a kind item” for a deep discount. Think of an estate sale as the next level above a yard sale. In many yard sales’ the owners of the home are trying to sell unwanted items or even “junk” that they no longer want or can no longer use.Read the rest...

Out of Date - Out of Debt: Savings and Value with Pre-owned Vehicles

Jessica Bosari — Tue, 19 Jul 2011 13:35:42 +0000

When buying a car, many consumers envision a pristine prototype of the most recent model available. Mental imagery usually includes a vehicle dashboard crammed with the full array of the latest high-tech wizardry.Read the rest...

Discount Dating : 5 Perfect Dates That Won’t Make Your Wallet Weep

Guest Blogger — Thu, 21 Jul 2011 03:28:47 +0000

A perfect date is not exclusive to hoity-toity restaurants, and certainly does not require any expensive gifts and exotic locations. Cliché as it may sound, sometimes a simple walk in the park away from all the distractions, eating ice cream and just talking intimately can be a much more fun, meaningful and memorable date for you and your loved one.Read the rest...

Debt Settlement: Two Times it Makes Sense

Jessica Bosari — Thu, 21 Jul 2011 05:00:00 +0000

In today’s economy, the question has shifted from families making ends meet, to what they can offload or settle to make those same ends meet. With the disappearance of the middle-class and country quickly dividing into the “haves” and “have nots”, people every day are scrambling to ensure they are on the sides of the “haves”. In their efforts, many individuals are settling whatever debt they are able to, taking the financial hit to their credit reports, and hoping to ride out the remainder of the recession with less debt on their shoulders.Read the rest...

Appliances: Repair or Replace?

Jessica Bosari — Fri, 22 Jul 2011 12:55:13 +0000

Perhaps one of the greatest Christmas Movies, “The Christmas Story”, shows what happens when we go too far in our desires to save money by avoiding replacing a broken applianceg. In the movie, the main character’s father is a “renowned furnace fighter”, “Indy Pit Crew Worker” and a number of other self-proclaimed titles all because he would rather spend his days battling a broken down furnace than pay to have it replaced. Or, instead of replacing the old tires on the Olds, drive around on ones so bald they’d make Telly Savalas look like Sasquatch.Read the rest...

Ways For Single Parents To Better Manage Money

Guest Blogger — Mon, 25 Jul 2011 05:00:00 +0000

There are few things as difficult and exhausting as being a single parent. Juggling work, after school activities, family time, helping with homework, dealing with crises, managing a functional household, having anything like a social life...it is a lot to deal with. But probably the most stressful issue of all is handling finances, from paying bills to budgeting.Read the rest...

Bridesmaid on a Budget: How to Cope with a Costly Wedding

Jessica Bosari — Wed, 27 Jul 2011 01:54:47 +0000

Always the bridesmaid and always broke? It is no wonder with the average bridesmaid spending close to $1,700 based on a 2010 study. Expenses including dresses, shoes, jewelry, travel, lodging, and the bridal shower can really add up. Of course, not all brides choose the most expensive of everything, but there is really no way to know when asked to be in a wedding.

When you accept, you are accepting not only the duty and responsibility, but the financial burden as well. While you may be more than willing to do these things for your friend, there is no reason to go into debt for a wedding that is not even yours. If you cannot afford it and you know it, say so politely. You may get an offer for help, but if not, walk away with your checkbook intact. Of course, if this is your sister asking you, saying no is a lot harder.Read the rest...

Hidden Charges Crammed Into Your Phone Bill

Tim Iandoli — Wed, 27 Jul 2011 05:00:00 +0000

The charges themselves appear innocently on your phone bill as something vaguely described, such as "$1.99 service fee." Insidious fees like this are typically small in dollar amounts but appear on your bill month after month, adding up to big dollars. Some are brazen, appearing as $19.99 for “ringtones” or some other service.Read the rest...

What to Look For in a 529 Plan

Jessica Bosari — Thu, 28 Jul 2011 05:00:00 +0000

A 529 plan is a vehicle to save for future education expenses. Each state has its own 529 plan, but since there are no residency restrictions, an investor in Texas can sign up for the California-sponsored 529 plan, for example. With 50 different states to compare, an investor can face a challenge in picking the right plan. Because there are also no income limits and a wide-range of eligible education expenses, every person may be able to benefit in some way from a 529.Read the rest...

Even the Whitehouse is Doing it...Sell Your Extra Stuff for Cash

Jessica Bosari — Fri, 29 Jul 2011 05:00:00 +0000

You know times are tough when Michelle Obama is tacking a couple “Garage Sale” signs out along Pennsylvania Avenue in Washington D.C., but that is pretty much what the White House is doing according to recent reports. Whereas you probably won’t see the First Lady out on the front lawn welcoming patrons to peruse the Obama’s wares, the White House recently made headlines by selling off excess property in effort to help pay the bills, as well as set the example for the rest of Americans to follow.Read the rest...

Your College Education: Do You Get What You Pay For?

Guest Blogger — Tue, 02 Aug 2011 02:41:47 +0000

Recent studies show overall that colleges with the lowest price tags also have the lowest four-year graduation rates. Schools that top the list for four-year graduates also top the list for cost, competition, and prestige. The most successful graduation ratio belongs to Harvard, where 97% of students who enroll graduate on time.[1] Comparatively, schools that are easier to get into—and easier to pay for—more often than not round out the bottom of the graduate list with fewer than 60% of freshmen who graduate in four years.[2]Read the rest...

Smokeless Cigarettes: Are They a Good Alternative to Smoking?

Guest Blogger — Tue, 02 Aug 2011 15:19:34 +0000

Smoking bans are increasing, with fourteen states enforcing designated “smoke free” restaurants and bars as well as workplaces, especially hospitals and other healthcare facilities. Other municipalities across the country implement smoking bans in certain areas, even if the smoker is outside. While smokers have fewer places to light up, they have more options to receive their nicotine fix.Read the rest...

Never Pay Face Value for These 7 Expenses

Jessica Bosari — Wed, 03 Aug 2011 05:00:00 +0000

If there is one thing that the rich know that most of us do not, it is that many of the prices and fees that we think are set in stone are actually not. There is wiggle room in the lives of most people to save a little money - all you have to do is realize that everyone has bills to pay, and most folks that you deal with would rather make a sale than argue over a few bucks.

If you make arguing over a few bucks your way of life, pretty soon it starts adding up. Get to know the average wiggle room available for certain services. Here are some things for which you should never pay face value.Read the rest...

7 Ways to Psych Yourself Rich

Jessica Bosari — Thu, 04 Aug 2011 05:00:00 +0000

Whether your goal is to pay down your credit card debt, save for retirement, or simply scrape together enough cash for a night on the town, saving money takes discipline and hard work. Some people feel so overwhelmed by the prospect of creating a financial plan and saving money that, instead of taking action, they freeze. People who allow fear to freeze them into financial passivity rarely achieve their monetary goals. Here are seven simple steps you can take to conquer your financial fears and start saving today.Read the rest...

How to Save Money like a Compulsive Couponer

Jessica Bosari — Fri, 05 Aug 2011 05:00:00 +0000

Have you seen the shows about the couponers who buy 1000 tubes of toothpaste for ten cents and wonder how you can save money like that? Do you wonder what those people really do with all of that stuff? Well, the good news is that you can save money like a compulsive couponer without having to stockpile thousands of items.Read the rest...

5 Reasons Why Renting a Property is Not a Waste of Money

Guest Blogger — Mon, 08 Aug 2011 15:52:52 +0000

I am sure that I am not the only one who regularly hears the sentiment that “renting is a waste of money.” It can certainly feel that way when a large proportion of your monthly wage is debited by your landlord or letting agent and you have nothing to show for this other than a roof over your head for the next four weeks (some would argue this a fair exchange!)

Considering how difficult it is to get onto the property ladder these days, attitudes towards leasing need to change since as the financial climate currently stands, only a small minority of us are likely to ever become home owners.

Here then, are five reasons to take happiness from the fact that you live in rented accommodation....Read the rest...

When Debit Cards Hurt Rather than Help - Dangers and Hidden fees

Tim Iandoli — Tue, 09 Aug 2011 12:09:03 +0000

As we move along the electronic age carrying cash might seem almost absurd to some people. Not only can you use your smartphone to find your favorite coffee, you can also use your smartphone to buy the coffee with a simple scan of the bar code. The transaction comes directly out of your account or onto the credit card you have linked.

This has all but done away with the days of scratching around your pants pocket for a few extra quarters to buy your cup of Joe, or in this case a low-fat Grande mocha latte. The question is – just how convenient is convenient in the day of account hackers, credit card fraud, retailer convenience fees and even our own bank’s service charges.Read the rest...

8 Natural Beauty Products You Can Make at Home

Jessica Bosari — Wed, 10 Aug 2011 12:53:55 +0000

Artificial chemicals did not exist during ancient times. Women in ancient times didn't go to the local drug store. Instead, they shopped freely in the nature store, mixing berries and other ingredients to make their skin shine. Today, you can have the same experience at home by creating your own natural beauty products.

It is important for women to feel good about themselves. Much of our self-esteem is tied to the cosmetics we use. Beauty industry advertisements deepen our anxieties about how we look, and it works. We try every product we can find, rarely noticing the untested or known toxic chemicals in them. Relying heavily on manufactured cosmetics only supports these harmful advertisements while emptying our wallets from hard-earned cash and making cosmetic companies wealthier.Read the rest...

Buying vs Leasing a Car: Maybe Leasing isn't so Bad

Guest Blogger — Thu, 11 Aug 2011 21:56:01 +0000

Shopping for a car can be a stressful experience. You need to figure out how to balance the things you feel you need in a car (reliability? safety? style?) with the luxuries that you can live without (heated leather seats, navigation, etc.)—and that’s before you even delve into the finances. Although we can’t help you with the former, we can help make sure that you’re making the best decision for your wallet.Read the rest...

Why I'll Never Trust a Bank

Guest Blogger — Fri, 12 Aug 2011 00:00:00 +0000

The reasons to be distrustful of a bank – any bank – are wide and varied. It is a distrust they’ve earned, especially lately. At the highest level one has only to look at the current mortgage crisis and then do the math: the biggest banking players are the source of the mortgage collapse, and hence, the worst economic conditions in this country in 80 years. It was their fault, plain and simple, because they knowingly sold mortgage-backed securities based on worthless paper and accepted residential loans with all the fiscal vetting of a vulture looking for it’s next carcass for lunch.Read the rest...

Do You Qualify for $10 a Month Internet Access?

Mallory Hall — Wed, 17 Aug 2011 05:00:00 +0000

Comcast, the nation’s leading cable and Internet provider, is launching a plan known as “Internet Essentials,” a discounted Internet access plan for families who must meet certain income eligibility requirements. Internet Essentials will be available for families in the 39 state where Comcast currently offers their Internet services. Comcast has also started websites in both English and Spanish to help spread awareness about the program.Read the rest...

Flip Houses Successfully...Even in This Market

Mallory Hall — Thu, 18 Aug 2011 05:00:00 +0000

Over the last few years, house flipping has become a source of instant curiosity for many people. The process involves purchasing a home for a fraction of what it is worth, then fixing it up and selling it to make a profit. How does house-flipping work in this market? How can you make a profit and not lose everything you put into the house?Read the rest...

Hands Down, the Smartest Investment for Young Adults

Tim Iandoli — Mon, 15 Aug 2011 20:54:23 +0000

In an increasingly complex economic market, it is tough for young adults, especially, to decide how to invest for the future. There are many different options out there, from stocks and bonds to real estate to business investment opportunities. But none of these options for investing pays the same dividends as a college education. Many young people today, however, enter the workforce rather than pursue a college education. They assume they can't afford a postsecondary education in the current economy.Read the rest...

The Fine Art of eBay Sniping

Mallory Hall — Fri, 19 Aug 2011 05:00:00 +0000

It’s a familiar scenario for eBay users: you anxiously await the end of an auction on an item you have been waiting five years to find. You count down the minutes until you see “This auction has ended,” with your name listed as the highest bidder. Suddenly, out of nowhere, merely seconds before the auction ends, an unknown bidder has bumped you out, causing you to lose the auction in a last-minute frustration.Read the rest...

Budgeting Your Way at the Farmers Market

Guest Blogger — Tue, 16 Aug 2011 20:20:54 +0000

There's an old joke about a much-anticipated book on Healthy and Delicious Food: Part I – Healthy Food. Part II – Delicious Food. We amirk at the joke because we know it's hard to find food that is both heatlhy and delicious. We could add Part III as well – Cheap Food. At the farmer’s market, you can sometimes find healthy, delicious, and well-priced food all in one. Many would beg to disagree, however, especially when it comes to the well-priced part. For some reason, people think farmers’ markets and organic food are the domain of the wealthy alone. I beg to differ.Read the rest...

How to Apply for Food Stamps

savingtools — Wed, 17 Aug 2011 21:53:54 +0000

Trying to find out how to apply for food stamps? We'll do our best to help. While many people still call them "food stamps", the benefits are no longer handed out as paper certificates, rather, they are loaded onto a plastic "EBT Card" that works like a debit card. EBT stands for "Electronic Balance Transfer", and the food stamp program itself is officially called "SNAP", short for Supplemental Nutrition Assistance Program.

Do I qualify for Food Stamps?

A good first step to take before you apply for Food Stamps is to find out if you qualify. Your eligibility for food stamps will be determined based on your total household income, as well as other factorsRead the rest...

0% APR Balance Transfers Sound Great – Be Careful Of the Transfer Fees

Mallory Hall — Mon, 22 Aug 2011 00:00:00 +0000

At first glance, all the credit card offers you receive in the mail may seem like a lifesaver. You finally have the chance to transfer your debt to a different card that charges little or no interest on the balance. However, beware of the pitfalls of hidden transfer fees.

What is a Balance-Transfer Fee?

Credit card companies tend to reinforce the no-interest or small-interest that they charge on the debt, but there is often a fee to transfer your balance, and this can be as much as 5 percent of the amount. While this may seem more beneficial than continuing to pay 15% or 18% on your current card, it is important to shop around and not respond to the first offer you receive in the mail.Read the rest...

Are you ready for retirement? Or even for a rainy day?

Guest Blogger — Tue, 23 Aug 2011 00:00:00 +0000

Most Americans aren’t. Forty-three percent of Americans have less than ten grand saved and one in three have nothing saved for the future. That means a lot of Americans are going to have to play catch up if they want to enjoy their golden years.Read the rest...

Ten Generic Drugs to Hit the Market Soon

Jessica Bosari — Thu, 25 Aug 2011 00:15:05 +0000

Lipitor, Lexapro, and Seroquel are three of the most prescribed medications in the country. Over $300 billion is spent on these and other brand-name drugs annually, but that will change soon as the patents on these drugs expire. With these expirations comes an increased interest in generic drugs, allowing consumers to save up to 90 percent off name-brand prices.Read the rest...

How to Get a Great Deal on a New TV

Mallory Hall — Thu, 25 Aug 2011 05:00:00 +0000

With so many televisions on the market, how can you find the best one for your budget? When you’re browsing for a high-definition television, your options are plasma sets, CCFL-backlit LCDs and LED-backlit LCDs. Which one gives you the clearest picture without financial strain?Read the rest...

Mortgage Rates Down, Payments Up

Mallory Hall — Fri, 26 Aug 2011 05:00:00 +0000

Mortgage rates have dropped to an almost all-time low, which is a major relief for current homeowners looking to refinance, as well as those who are shopping for a new home. The new low mortgage rates are mostly benefiting those who already own their homes, since almost two thirds of applications came from people hoping to refinance on their mortgage.Read the rest...

Saving Money on Home Security Systems

Tim Iandoli — Mon, 29 Aug 2011 15:04:42 +0000

Home security systems can seem confusing and pricey, so if you're in the market for one, don't worry. They make sense once you break it down. After all, what's a home security system other than a bunch of parts plugged into an electricity outlet? It isn't that complicated. If someone else can do it, you can do it too.Read the rest...

Make Your Money Work for You... Watch Out For for Bank Fees

Mallory Hall — Tue, 30 Aug 2011 05:00:00 +0000

New federal banking rules require institutions to come down hard on overdraft bank fees for customers. While it may be good news for some, others feel the backlash as their banks tamper with fees for maintenance, excess activity, and maintaining a minimum balance. These charges add up and can be extremely expensive, costing from $4 to $20 for maintenance fees along with $35 or more for overdraft fees. However, there are ways to keep your free checking and savings accounts as long as you are smart with your money.Read the rest...

Save Money At Home with Hair Color

Mallory Hall — Wed, 31 Aug 2011 05:00:00 +0000

A recent survey conducted by USA Today concluded that 50% of the 1,031 women polled admitted to coloring their hair on a regular basis. On average, women who pay for professional hair coloring services spend between $65 and $230 each visit. At an average of four visits per year, salon services can cost $265 to $920 total for the whole year.

On the other hand, some women purchase hair coloring kits from their local pharmacies or grocery stores that cost between $7 and $20, depending on the brand and the color. These store-bought kits are easy, inexpensive ways to change your look without shelling out major money for professional services. However, are these savings worth risking an awful hair color if you do it incorrectly?Read the rest...

How to Save Money on Postage

Mallory Hall — Thu, 01 Sep 2011 05:00:00 +0000

Are you on a mission to limit your household expenses? If so, you’ve probably discovered a myriad of savings techniques and are well on your way to having a rainy-day nest egg. Congratulations! You may be able to save even more, however, if you haven’t considered the necessary, ever-growing expense of postage. Here are some tips for smart and resourceful ways to save money on your postage.Read the rest...

Does Your Supermarket Club Card Really Save You Money?

Mallory Hall — Fri, 02 Sep 2011 05:00:00 +0000

Most consumers sign up for supermarket loyalty card programs under the assumption they will receive discounted prices on their grocery items. While it may sound logical, it is far from it. How can grocery stores afford to lose millions of dollars by offering lower prices to loyal shoppers? The answer is simple: they can’t.Read the rest...

Don’t Be Last Getting Paid, Start Saving Money by Paying Yourself First

Mallory Hall — Tue, 06 Sep 2011 01:18:51 +0000

If you are like most American families living paycheck to paycheck and struggling to make ends meet, there are a few ways you can start saving money, even if it doesn’t seem like you have any money left to save. While these methods may seem like secrets, the truth is that people have been using them to save money for years, so now it is your turn to implement them in your own life.Read the rest...

Start Saving Money By Tracking What You Spend

Tim Iandoli — Tue, 06 Sep 2011 05:00:00 +0000

This is a time when knowing exactly where your hard earned money is going. Tracking what you spend, for most people, will be an eye opening experience. Many will see that they are simply way over spending for everyday items.Read the rest...

Getting the Best Discount for a First Time Home Buyer

Tim Iandoli — Wed, 07 Sep 2011 05:00:00 +0000

This might be the best of times and worst of times for some in the current economic situation we American’s have found ourselves in. For some the economy has hit them hard. There have been record unemployment rates and subsequent home foreclosures.

On the flip side of things, ones man’s loss is another man’s gain. The ability to become a new home owner has never been better. The range of available homes is endless. You will be able you get the most for your dollar in a market where values have dropped.Read the rest...

Be a Smart College Student, Avoid These Money Mistakes

Mallory Hall — Thu, 08 Sep 2011 05:00:00 +0000

While many high school graduates are excited to be going off to college for the first time, with this newfound freedom comes huge financial responsibilities. Since you will finally be living on your own and trying to enhance your personal finance skills, the lessons you learn and the mistakes you make could impact you for the rest of your life. Be smart with your money and avoid making these mistakes:Read the rest...

Learn To Save Money as a Single Parent

Tim Iandoli — Fri, 09 Sep 2011 00:00:00 +0000

Saving money when you are supporting yourself is hard. Trying to cut back on expenses when you are a single parent is even harder. However, there are a few ways that you can provide for your family without breaking the bank. By saving on smaller expenses instead of focusing on large bills, you may find that these little ways add up. Make sure you put any money you save into the bank.Read the rest...

Ace that Job Interview Using the Right Body Language

Guest Blogger — Mon, 12 Sep 2011 15:01:26 +0000

Job interviews are enough to make anyone nervous. By the time you make it in front of the interview panel, your stomach is probably going to be in knots. You may have prepared answers to some common interview questions, so that you feel like you can perform confidently during the interview. Remember though, that you need to think about the kind of signals you are giving out subconsciously as well. Body language is important and thinking about this as well as your verbal answers will help you to come across well in a face to face interview.Read the rest...

How to Protect Yourself from Credit Card Skimmers

Guest Blogger — Mon, 19 Sep 2011 05:00:00 +0000

Whether you have thousands of dollars in credit card debt or not, we all love how easy plastic makes life when it comes to shopping. You simply swipe the card and you can pay for anything in the store and be on your merry way. But anything that makes financial transactions easier also makes protecting your finances even harder when it comes to identity thieves. Credit card skimmers have been around for a while now, but new advances in technology are making these skimmers harder to detect and with more of them around, you need to be more cautious than ever before you swipe that card and skip off into the sunset.Read the rest...

Three Important Reasons You Should Pay for Online Dating

Jessica Bosari — Wed, 14 Sep 2011 00:33:58 +0000

In the world of cyber dating, an important question often arises: why pay for online dating services when you can get them free? Certainly there are a wide variety of paid online sites you can join to help you meet other singles. But free online dating sites exist, too. To the casual observer, it might seem like the free sites would be the best way to go. If you're serious about meeting someone special, however, you may want to consider investing in a paid dating site for these three important reasons:Read the rest...

3 Places to Find Cheap but Great Furniture

Tim Iandoli — Thu, 15 Sep 2011 02:26:48 +0000

Cheap and great usually only go side by side when gushing about the great discount you got on an item, making the ultimate cost really cheap. When acquiring new furniture (or at least new to you), you can get some really great pieces for cheap if you learn some simple techniques.Read the rest...

Homemade Dog FoodTreats Yom Wallet and Your Best Friend

Tim Iandoli — Thu, 15 Sep 2011 00:00:00 +0000

In this fast paced world of ours, we all welcome shortcuts and quick fixes. It’s a no-brainer to grab 7-10 cans of dog food and throw them into your grocery cart. Buy one, get one free; instant savings; and 20% more included are all common marketing phrases used to help you determine which dog food to buy at the market.Read the rest...

Wedding Economics: 11 Tips to Save Big Money on Your Big Day

Jessica Bosari — Fri, 16 Sep 2011 00:00:00 +0000

The dress. The food. The venue. The flowers. Weddings don't come with one big price tag; they come with a hundred little price tags that can add up to a mind-blowing sum. If you're searching for ways to cut back on your wedding expenses, consider these 10 money-saving ideas.Read the rest...

6 Ways to Get the Most for Your Money When Buying Toys

Guest Blogger — Mon, 26 Sep 2011 05:00:00 +0000

Does your child have a room full of toys that are rarely played with? When it comes to children’s toys, the newest, most flashy toys are often the ones that are abandoned soonest. The following tips will help you choose toys that offer great value for the money.Read the rest...

How to Make Extra Money Selling Flowers

Mallory Hall — Tue, 20 Sep 2011 05:00:00 +0000

Whether you are looking to make a little extra money on the side or you want to start a full-time business, selling flowers is just the beginning. A successful business requires marketing, keeping track of your competition, knowing how to set your prices accordingly and actually making a sale. However, if you have the time, patience and perseverance, starting a business to sell flowers could prove to be extremely profitable.Read the rest...

Rags Beat Paper Towels for Cost Savings

Mallory Hall — Wed, 21 Sep 2011 05:00:00 +0000

If you are among the millions of families looking to save money in small ways, consider using rags or cloths instead of paper towels. Consider how often you go through paper towels throughout the course of the day – wiping up messy faces, mopping spills from food and drinks, cleaning mirrors and kitchen counters, and the list goes on. While paper towels are appropriate in certain situations like food preparation, you can save money and help the environment by keeping a stash of old rags or t-shirts in your kitchen instead. Simply wash them once a week and reuse them repeatedly.Read the rest...

5 Extra Money Ideas for College Students

Guest Blogger — Thu, 22 Sep 2011 05:00:00 +0000

Are you a college student in desperate need of supplemental income? Balancing a job with your course-work is never easy. The trick is to find low-key, low-stress jobs that not only pay well, but also offer flexibility. You might be surprised at the number of people willing to employ struggling college students, as most individuals will commend you for taking on a job along with attending school.Read the rest...

6 Ways to Save Money on Life Insurance

Guest Blogger — Wed, 28 Sep 2011 00:49:30 +0000

It's very important to purchase a life insurance policy when you are young so that you can protect your as well as your family’s future. The policy gives you the opportunity to provide income for your family to meet their most essential needs when you will no longer be with them. By starting early, you realize the premium savings of those in good health and lock in that rate for the term of the policy.Read the rest...

4 Steps to Choosing the Right Career

Guest Blogger — Wed, 28 Sep 2011 23:42:16 +0000

Whether you’re a soon-to-be graduate deciding on a job path, or someone looking to change occupations, choosing a new career isn’t easy. Finding a new career is a long process that includes figuring out what you want, researching the available options and gaining the necessary education and training.

Here are some factors to consider when deciding on a career:Read the rest...

7 Carpet Cleaning Scams to Avoid

Guest Blogger — Thu, 29 Sep 2011 00:00:00 +0000

Inviting a carpet cleaning service into your home can be nerve-wracking. You have to trust that the service will be professional and take good care of your carpets and belongings, even though you have never met the people who will be working in your house. To make things worse, hundreds of carpet cleaning scams are perpetrated on a daily basis by people who do not intend to clean your carpets. Here are some ways to look out for common carpet cleaning scams.Read the rest...

Are Abandoned Storage Units Worth Your Time and Money?

Jessica Bosari — Fri, 30 Sep 2011 00:00:00 +0000

It was once a seemingly secret society, drawing only small handfuls of people. Now, thanks to popular television shows like Spike TV’s “Auction Hunters” and A&E’s “Storage Wars,” more and more people are bidding at storage unit auctions and hoping to make a profit.Read the rest...

Save Money and Time by Investing In a Slow Cooker

Tim Iandoli — Mon, 03 Oct 2011 05:00:00 +0000

One might ask – how does saving money or better yet, time appear in the same sentence as slow cooker. Well, I am here to tell you that investing in a good slow cooker, popularly known as a crock pot, can not only save you time, but money as well.

Who has the time to spend between juggling career and family on creating a not only healthy but amazing family dinner? You do.Read the rest...

Money-Saving Tips for Motorcycle Owners

Jessica Bosari — Tue, 04 Oct 2011 05:00:00 +0000

If you're like most people, you're probably trying to save money in every way possible. Since the state of our economy is relatively bad and likely to get worse, saving money in all facets of life is especially important. Motorcycle ownership is no exception. Here's how you can enjoy using your bike while cutting the unnecessary expenses many bikers thoughtlessly incur.Read the rest...

5 Ways to Save Money on Pilates

Jessica Bosari — Wed, 05 Oct 2011 05:00:00 +0000

Pilates is a body-conditioning system of exercise that has skyrocketed in popularity over the last decade. Hundreds of thousands of exercisers have spent hundreds of thousands of dollars to achieve the "Pilates" look: chiseled waistline, strong back, toned limbs, sleek silhouette. Pilates is effective exercise, but it certainly isn't cheap. When you add up the cost of mat classes, equipment classes, group classes, and one-on-one training sessions, you may be overwhelmed by the large price tag Pilates wears. The good news is that you can attain an exquisite Pilates figure without paying exorbitant Pilates prices. Here's how.Read the rest...

Tips to Avoid Online Used-Car Scams

Jessica Bosari — Thu, 06 Oct 2011 05:00:00 +0000

Buying a car online has become a hassle-free way to shop for the car you need without having to visit dealerships and work with pushy salespeople. Several websites let you sort your search depending on the year you want, the model you want, and the price you prefer. Unfortunately, scam artists have begun to target online car shoppers. The crooks offer unbelievable deals on vehicles, and they use real dealership logos and old addresses to make their scams seem legitimate. In many cases, the buyer isn't aware of the scam until the car hasn't been delivered after a few weeks.Read the rest...

6 Ways to Ease Your Fears of Job Loss

Jessica Bosari — Fri, 07 Oct 2011 05:00:00 +0000

There is no question; today's job market is a nerve-wracking place. Even people who are still employed have valid concerns about layoffs, salary cuts, and benefit reductions. When the worst happens and you lose a job in this economy, it can take longer than usual to find a new job to replace your salary. It makes sense to think about ways to protect yourself from the potential financial and emotional strain of losing your job. If you find yourself in this unfortunate position, it will be important to reduce the negative impact and build toward your future as soon as possible.Read the rest...

5 Affordable Classic Gifts for Women

Guest Blogger — Mon, 03 Oct 2011 16:51:52 +0000

Everyone knows diamonds are a girl's best friend. That phrase still rings true today. The best gifts a woman can receive are a reflection of her unique beauty and love. Women want to feel appreciated, adored, and respected. Accomplishing that on a budget isn't easy, but it can be done.Read the rest...

Choosing the Best Credit Card Benefit Will Save You Money

Jessica Bosari — Mon, 10 Oct 2011 05:00:00 +0000

Whether looking for a credit card that offers cash back or free travel points, rewards programs provide you with great savings down the road. Various cards offer benefits such as discounts at certain restaurants, stores, hotels and gas stations. With the number of credit cards available these days, how do you choose the one that will benefit you the most?Read the rest...

Leaving Your Bank for a Credit Union Can Save Your Money

Jessica Bosari — Tue, 11 Oct 2011 05:00:00 +0000

With the economy in its current state, more people are looking for creative ways to cut down on bills and save money. With the failure of high profile banks such as Washington Mutual, many customers are turning to credit unions thanks to their excellent customer service and great rates. Wondering how you can save money by switching to a credit union?Read the rest...

6 Tips for Saving Money On a Car

Guest Blogger — Wed, 12 Oct 2011 00:00:00 +0000

Nobody likes to pay too when they purchase a car. With the way the economy has been lately, everyone is looking for ways to save as much money as they can. Buying a car should be an exiting experience. However, the stress of trying to find the best deal available can sometimes take a lot of the enjoyment out of the process. Fortunately for people needing to buy a car at an affordable price, there are a few tips that can help them get the car they want at a price they will be happy with.Read the rest...

Tips for Funding your Child's College Education

Guest Blogger — Thu, 13 Oct 2011 00:00:00 +0000

Preparing to fund a child's flight from the nest into college may be daunting at first. College may seem so expensive that you'll never get there. But saving for college is not an insurmountable task. The following tips can make saving for that flight easier.Read the rest...

5 Things You WON'T Need in the Fall

Guest Blogger — Fri, 14 Oct 2011 05:00:00 +0000

The first leaf has fallen. The temperature has dropped twenty degrees in the last week. You have busted out your cardigans. Fall has arrived. Everyone is getting excited for the holidays that are coming up and with that comes extremely unnecessary purchases. So this is your warning. Although you might see all these great things on sale, ask yourself, “Do I REALLY need this?” Only after you answer that question can you then buy whatever it is you want to. Read the rest...

Buying a Stores’ membership Card Can Save You Money – How to Tell When It's Worthwhile

Jessica Bosari — Mon, 17 Oct 2011 05:00:00 +0000

Buying a stores' membership card can save you money and other cool benefits, but it's not always a good deal. Registering for membership cards with companies that you do business with regularly can have personal, business and financial benefits. It also is a way that you can establish credit or build a history that will lead to future membership privileges.Read the rest...

7 Ways to Save Money Using Mouthwash as a Home Remedy and Cleaner

Jessica Bosari — Tue, 18 Oct 2011 05:00:00 +0000

People are looking for anyway that they can save money from their monthly household allowance. Surprising to find that the mouthwash you use every day could also be used for many things other than cleaning your mouth of germs. Actually, the many uses for mouthwash can save your household allowance a lot of money.

The properties of mouthwash were first used in the medical field as a surgical antiseptic, and these same unique properties can help you to save money around the house. Here is a list of uses for mouthwash that is sure to amaze you, and save you money by replacing many expensive cleaning products, with the mouthwash sitting in your bathroom.Read the rest...

I Found $76.80 in Just a Few Minutes...How You Can Too

Tim Iandoli — Wed, 19 Oct 2011 05:00:00 +0000

Take a minute to reclaim cash or property that may belong to you! I did. I took a few moments searching through some old records in the basement, in itself that is worth a few extra bucks, and made a few discoveries. While reviewing some old bank statements I discovered I had 2 separate unclaimed savings accounts. Both had been required for the privilege of either having their bank’s credit card (which has been sold off numerous times, making the savings account pointless) and an account to be a credit union member, for a long ago paid off second mortgage. I reclaimed $25.36 and $41.44.

There are many websites available today that claim they can help you reclaim lost cash or property. Some are legitimate and some are just trying to get you to pay for information that you could easily find for yourself. Here is some basic information that you should know before you begin searching for any lost money or property.Read the rest...

Save Money on Dining Out – Look for 2 for $20 Dinner Specials

Jessica Bosari — Thu, 20 Oct 2011 17:15:46 +0000

With the country suffering economically, Americans everywhere are tightening their belts and trying to save money whenever and wherever they can. While people are cutting back on their monthly budgets there are some activities socially that are just as important to people as saving money, and that is dinning out with friends and family. So, how does one save money on dinning out? Look for two for $20 dinner specials that’s how.Read the rest...

Avoid Hidden Late Fees and Save Money

Guest Blogger — Fri, 21 Oct 2011 05:00:00 +0000

Did you read all the terms and conditions when you opened that credit card? Maybe you missed some of the fine print in those three pages of information. These days, companies find all kinds of ways to charge fees. You may not even notice these fees until you take a hard look at your statement. Avoiding such fees will really save you money. How do you avoid hidden late fees?Read the rest...

Why Renting Can Be Better Than Buying

Guest Blogger — Mon, 24 Oct 2011 05:00:00 +0000

On several occasions, we are told that buying a home is better than renting. “For the same price you’re paying in rent, you could be paying the mortgage on a house you own,” they say! And it is true; if you are paying $1,000 to rent a house or apartment, you could be paying a mortgage on a home that you could later resell. However, below are other considerations to take into account that prove that renting may be a better option than buying.Read the rest...

How to Pay Off Student Loans

Guest Blogger — Tue, 25 Oct 2011 05:00:00 +0000

Are you buried in debt from student loans? You’re not alone. Student loan debt has now surpassed credit card debt as the top form of debt in the nation. If you’ve recently graduated from college or you are having trouble with student loans, here are some helpful tips.Read the rest...

Freezer + Almost Expired = Savings

Jessica Bosari — Thu, 27 Oct 2011 00:56:51 +0000

Many people end up throwing out hundreds of dollars’ worth of food each year. What is the reason for this? Because many people do not pay enough attention to their food’s expiration dates, and when food spoils, people throw it out. Of course, food such as meat needs to be frozen whenever possible to preserve its shelf life. But did you know that buying and freezing almost expired meat will save you loads in the end?Read the rest...

Bargain Hunting: Should You Really Do It?

Guest Blogger — Thu, 27 Oct 2011 05:00:00 +0000

We’re all looking for good deals. We all want to save a buck or two and make sure that what we’re getting is the best value for our money. The best way? Go bargain hunting!Read the rest...

Top Coupon Sites - Pros and Cons

Guest Blogger — Fri, 28 Oct 2011 05:00:00 +0000

The days when you have to wait for the Sunday paper to clip coupons have come to an end thanks to the many options now available on the internet. As one of the greatest inventions in recent history, the web has greatly simplified the way society interacts and does business today. With online coupons alone, the internet has given millions of consumers the extra leverage they need to save on their expenses and help keep money in the bank.Read the rest...

Plan A Great Money Saving Thanksgiving

Jessica Bosari — Mon, 31 Oct 2011 05:00:00 +0000

While Thanksgiving is one of the most important holidays for feasting with family members and loved ones, it does not need to be a day in which we have to break the bank to provide a meal for everyone. In fact, an estimated 25 percent of food prepared on Thanksgiving winds up in the garbage. Here are some tried-and-true ways to save money and make your Thanksgiving fantastic at the same time.Read the rest...

7 Tips to Cutting Costs at College

Guest Blogger — Tue, 01 Nov 2011 05:00:00 +0000

Small ideas that make a big difference in your banking account.

Take the bus: No matter how expensive the bus system is in your part of the world, it is almost certainly less expensive than getting a car. Although some people complain that taking the bus takes considerably more time than driving, it is often time that can be used to work on homework, read a book, or study for a test. Bus riders don't have to worry about where to park or about paying for routine maintenance.

Find your textbooks online: Textbooks are increasingly becoming available in digital forms. These versions are often much cheaper than their weightier, paper counterparts.Read the rest...

5 Tips for Cutting the Cost of Medical Bills

Jessica Bosari — Wed, 02 Nov 2011 05:00:00 +0000

Struggling under the pressure of medical bills? You're not alone. Medical bills can be frustrating. Even with insurance, copays and deductibles can add up fast. Plus, medical bills are often the result of a sickness or injury, which aren't exactly planned expenses. When you or a family member have been sick or even hospitalized, being hit with a huge medical bill can really feel like a double whammy.Read the rest...

Online Checking – Fewer Fees and Earn Good Interest Lacks Customer Service

Jessica Bosari — Thu, 03 Nov 2011 16:17:47 +0000

Online checking has become a fast growing industry and is something that many people are using now. There are a number of advantages and disadvantages to banking online, but what is best really depends on the individual user. Generally online banking offers less banking fees and the potential to earn good interest rates on banking account balances. On the other side, there is often a lack of customer service and other user-friendly options.Read the rest...

8 Easy Debt Reduction Tips

Guest Blogger — Fri, 04 Nov 2011 05:00:00 +0000

Many people have come to a time in their lives where debt is lingering. It may seem that there’s no way out of the vicious circle of accumulating debt, but this is not true. Debt trouble is a temporary situation that any person can get out if with the correct technique. The following tips are great for reducing or eliminating creditor bills.Read the rest...

You Don't Have to Be a Business Owner to Save Like One

Tim Iandoli — Mon, 07 Nov 2011 06:00:00 +0000

Business networking as an entrepreneur can save you time, energy and money, but the keys to all successful networking starts at home. Small businesses and large corporations all use the same basic methods to develop business relationships with other companies. They use networking to save money in several very important ways no matter what industry or what size the business is.Read the rest...

Save Money by Being Prepared For End of the Year Taxes

Jessica Bosari — Tue, 08 Nov 2011 06:00:00 +0000

The surest way to save money at tax time is by being prepared for end of the year taxes. This means taking the time to do several things that will make preparing your taxes easier for yourself or anyone you are planning to pay to do your taxes this year. No matter what your strategy being organized will definitely save you time and money, which is good news to anyone during tax season.Read the rest...

9 Reasons Layaway Stinks

Jessica Bosari — Wed, 09 Nov 2011 17:58:56 +0000

I am sure you've noticed the return of store layaways this year. The retail industry is clearly trying to find ways to make more of us spend like we used to before the economy took its recent nose dive, but is it really a good idea to spend the kind of money that you actually need layaway for? If you were planning to grab the same stuff with a credit card or can afford to pay for it in a few weeks and are scared that it will be sold out by then, it might be a good idea. For the most part however layaway just tricks people in spending more and paying fees that they would not have if they had just saved up on their own and paid for gifts outright.Read the rest...

Retirement Savings: Now is the Perfect Time to Panic

Jessica Bosari — Thu, 10 Nov 2011 06:00:00 +0000

Of the people who are fortunate enough to have a steady workplace in this shaky economy, only half are enrolled in retirement plans. But if there were ever a good time to panic, this would be it. The longer you wait, the worse your chances for creating sufficient income to hold you through the retirement years. The more you know, the better you can prepare yourself financially for retirement, instead of ducking out of what you think looks like a money pit. Consider these ways to guarantee a return regardless of the market.Read the rest...

Make Customer Reward Plans Work For You

Guest Blogger — Fri, 11 Nov 2011 06:00:00 +0000

You can hardly step foot into a shop or get a credit card these days without being offered some sort of loyalty reward plan. From airlines to the local coffee shop, it seems everyone wants you to carry their card and collect their stamps or points. But do these cards help you or hinder you? Do they encourage your loyalty and make you spend more money at certain stores, or are you a savvy shopper who makes the cards and rewards worthwhile for you? Here are few tips to make the reward plans work for you, rather than the other way around.Read the rest...

9 Expenses to Target on Your

Jessica Bosari — Mon, 14 Nov 2011 06:00:00 +0000

Even though consumer spending is down overall, we are paying more for the things we buy. The prices of some goods and services have soared, based on information from Time Magazine's Special Money Issue: What We Spend, published last month. The following family expenses have hit families the hardest, making them important targets in your cost-cutting hunt.Read the rest...

Feeling Charitable? Size Them Up First

Jessica Bosari — Tue, 15 Nov 2011 06:00:00 +0000

With the help of technology like texting and PayPal, the increasing ease with which , can receive donations creates expectations among donors who want their money funneled directly to people in need. And there are plenty of assumptions about the efficiency of that process.Read the rest...

Holidays on a Budget – Thank You for Layaway

Tim Iandoli — Wed, 16 Nov 2011 06:00:00 +0000

I recently poo-pooed layaway but Tim has a different point of view. -- Jess

With the economy in its current slump, people are looking for any way they can to save money. Frugal living is a big deal these days, and is making a big impact on the way most people handle holidays. It's become much more common to make hand-made gifts or even gift second-hand rather than purchasing expensive items in stores. How do major retailers compete with the penny-pinchers?Read the rest...

Why You Should Never Skip Employer Disability Insurance

Jessica Bosari — Thu, 17 Nov 2011 16:42:51 +0000

Johnathan White had been coaching college volleyball for eight years when a collision at practice left him with two broken legs requiring surgery. What was expected to be a routine medical procedure became complicated, and it was four weeks before Johnathan was released from the hospital, with instructions to recover at home for another two more weeks.Read the rest...

Group Buying – Can It Save You Money?

Guest Blogger — Fri, 18 Nov 2011 15:57:31 +0000

Group buying hit the mainstream in 2008, with the launch of Groupon, a U.S. based group buying site. While the concept isn't new, it has been much-lauded by the press as the way forward for those who want to save money and get great deals. Let's look at how group buying works, and ask whether it's really such a money saving miracle.Read the rest...

The Psychology of Spending Money: Infographic

savingtools — Mon, 21 Nov 2011 13:48:32 +0000

Click the infographic to see it larger...Read the rest...

Don't Let Bad Credit Destroy Your Business Dreams

Guest Blogger — Mon, 21 Nov 2011 06:00:00 +0000

Having bad credit doesn’t mean that you can’t start your own business. It only means that you have to get a bit creative in locating your funding. If today’s economy has left you unemployed or you simply want to be your own boss, don’t let bad credit slow you down. There are ways you can secure start-up funding for a business even if you have less than perfect credit.Read the rest...

Winter Savings in Your Rental Home

Guest Blogger — Tue, 22 Nov 2011 06:00:00 +0000

It’s no secret that a home without a winterization plan can make the colder seasons a lot harder than they need to be. Many of us live in climates that demand a shift in terms of how we live between the seasons. Read the rest...

14 Ways Save Money with A Food Processor, Part I

Jessica Bosari — Wed, 23 Nov 2011 06:00:00 +0000

A while back I got bored with making banana bread and wondered what else I would make with over ripe bananas. That resulted in a hugely popular post called, Tired of Banana Bread? 10 Other Things You Can do with Overripe Bananas. So when I recently bought a food processor to make pesto with the lovely basil growing in my kitchen window, I had a similar question... What else can I make? Read the rest...

14 Ways Save Money with A Food Processor, Part II

Jessica Bosari — Thu, 24 Nov 2011 17:50:50 +0000

In Part I, I outlined a few money-saving food processor recipes. Read on for more healthy, affordable and delicious recipes.

Ice Cream

It is possible to make homemade ice cream without an ice cream machine. This novel food processor ice cream recipe comes from a truly dedicated foodie. Simply find an ice cream recipe online, preferably without egg or the mixture has to be cooked until it forms a thick custard.Read the rest...

How to Make Personal Finances Easy

Guest Blogger — Mon, 28 Nov 2011 06:00:00 +0000

If you are reading this, then it is very likely that you have a computer. And if you want to make your personal finances easy, that is all you need. The accounting profession, (after the defense industry, of course) was the first to fully embrace the power of the computer. It made sense. One of the best things that the first computers could do was compute numbers. Accountants had to spend long hours computing numbers and finding an automated way to do it was a godsend. Hundreds of computer accounting programs have been developed since the early days, from simple to complex, and now of course, hundreds more are available for personal accounting.Read the rest...

Saving Money on Groceries: Don't Fall for the Supermarkets' Wily Ways!

Guest Blogger — Tue, 29 Nov 2011 12:00:00 +0000

Supermarkets employ psychological tactics to get you to spend your money. Over the years they have invested lots of money in working out how to part you from your hard earned bucks. Don’t fall for their manipulative attempts – get wise and spend wisely!Read the rest...

5 Money Saving Tips for Cyber Monday

Jessica Bosari — Sun, 27 Nov 2011 23:22:13 +0000

I don’t know about you, but for myself, I avoid shopping on Black Friday. I am not a fan of long lines, crowed stores and noise. So, Black Friday is not a day I want to go out and shop. Cyber Monday is a far better option for me. I can shop from the comfort of my own home. I don’t have to wait in line to pick up items, and I don’t have to wait in long lines to purchase the items I want. All I have to do to shop on Cyber Monday is login to the store websites where I want to purchase items, pick out my items, and electronically check out.Read the rest...

Free Money for Small Businesses

Jessica Bosari — Sat, 03 Dec 2011 15:35:50 +0000

Small businesses are the cornerstone of the economy and provide financial freedom to many Americans. For some, small business provides a way for a person to pursue his passions while earning a living, making for the most rewarding lifestyle imaginable. Still, starting a business from the ground up can be an expensive proposition, and many people give up without even trying because they can't afford to start their business.Read the rest...

Preparing for Emergencies: 7 Food Storage Tips Your Family Can Use Now

Guest Blogger — Mon, 05 Dec 2011 06:00:00 +0000

To many of us, putting together a family emergency preparedness plan is a lot like flossing. We know it’s the right thing to do and that it will help us in the long run, but for some reason it’s hard to get started. After all, who wants a bunch of strange food in bulky containers taking up space in the garage? If this is your idea of food storage, take heart, because it’s easier than you think. Although in theory the idea is to prepare for future emergencies which may or may not happen, implementing a practical food storage program can have immediate benefits, not only on the health and well-being of family members but on your pocketbook as well. With that goal in mind here are 7 food storage tips that will benefit your family right now.Read the rest...

Balancing Acts – Saving Money on Car Rental

Guest Blogger — Tue, 06 Dec 2011 23:33:35 +0000

Since the recession began more families are trying to find ways to cut the cost of living. Reports in the media have shown that one way for those feeling out-numbered when it comes to our domestic budgets to cut costs is to cut the car. With the cost of fuel, insurance and road tax seeming to be in an ever upward spiral many families have simply chosen to wave goodbye to the family run-about. But how realistic is this option for most of us and, for those who simply have no choice, what are the options for staying mobile? Read the rest...

My 6 Favorite Online Banks

Jessica Bosari — Wed, 07 Dec 2011 15:00:00 +0000

Many online banks make it easy to manage your money. You can quickly and easily log on to check accounts, make deposits, withdraw funds, transfer funds, pay bills, and anything else you might need to do to manage your finances. Online banking has changed a bit in the last few years as more competitors are popping up. Banks are offering more incentives to join, and offering much more than just your basic checking and savings accounts. My favorite online banks are those that make me feel like a valued customer, make me feel safe and protected financially, and the ones that provide the best incentives, of course.Read the rest...

Clean Up Your Finances This New Year

Guest Blogger — Tue, 13 Dec 2011 15:00:00 +0000

Is it time for you to set some New Year's resolutions? Many people look to exercise more, eat healthier and even spend more time with their family. But one of the most popular New Year resolutions involves a person's current financial situation. Just like other improvements, people want to clean up their finances and make sure that at the end of the year they are not still stuck with poor spending habits and a pile of debt.Read the rest...

How to Entertain your Family on a Budget

Guest Blogger — Wed, 14 Dec 2011 03:00:00 +0000

n today’s economy, many are looking for ways to save money. This is most likely true if you have a family. As gas and food prices continue to rise, it is imperative to find ways to save some extra bucks. The good news is that there are a number of ways to spend less while still putting food on the table. These tips will help you save money, have fun & spend quality time with those you love.Read the rest...

Eight Tiny Reindeer, Eight Ways to Save

Guest Blogger — Wed, 14 Dec 2011 15:00:00 +0000

As a single mom during an economic slump, I have to get creative when it comes to saving money at holiday time. Here are eight ways to save:

1. Don't Buy Wrapping Paper

This year, I put family photos into the scanner and made a collage of our smiling faces. Then I taped the sheets together so it'll double as holiday wrap. In years past, I used jazzy pages from fashion magazines and newspaper funnies. It's greener than buying wrapping paper, more creative, cheaper, and more fun.Read the rest...

Top 8 Missed Tax Breaks - Don't Pay More Than You Owe!

Guest Blogger — Sat, 17 Dec 2011 15:31:57 +0000

How many of us file our taxes only to find out a month later that we missed out on a number of deductions? The fact is that filing your income tax reports is not just a matter of hiring an accountant. It’s just as important to take the time to hone your skills in understanding your entitlements as a hard working citizen.Read the rest...

Find Money Saving Bargains on Infant Essentials

Guest Blogger — Sat, 17 Dec 2011 23:00:00 +0000

Because college costs will soar above $100,000 per year by the time your newborn applies to the Ivy League college of his or her choice, you must economize now. You are fortunate that you have a diverse array of tools and resources to promote your savings initiative. Naturally, the internet has made shopping mom-friendly, allowing you to visit your favorite merchants during those rare times you actually have peace and quiet. As always, though, common sense and maternal instinct will guide you to the best items at the most reasonable prices. Experienced moms counsel…Read the rest...

5 Simple Methods to Get More Orders for Your Fiverr Gigs

Guest Blogger — Tue, 20 Dec 2011 00:00:00 +0000

Fiverr (located at fiverr.com) is a good place where you can sell your services at 5 bucks each. It is actually simple to use. You just need to list your gig in the Fiverr website and wait for the orders to come in. If done well, it can become a lucrative online business model that will potentially bring thousands of dollars per month. In order to earn more from Fiverr, you need to make sure that you get good amount of orders for your gigs. Here are 5 simple methods to get more orders for your Fiverr gigs:Read the rest...

7 iPhone Apps for Tracking Your Budget

Jessica Bosari — Tue, 20 Dec 2011 13:00:00 +0000

Unless you are rolling in the money like Donald Trump or Oprah Winfrey, managing your income and expenses is vital to avoid needless debt and to save for the future. The most valuable tool anyone can use to manage money is a budget. Budgets might not be very interesting, but the money you can save can be very exciting. Before you make excuses that budgeting is too complicated or you do not have time to track your expenses, look at the following seven apps that can make budgeting on the fly easier and more useful than ever.Read the rest...

Saving Money: Get Your Passive Spouse Involved in the Finances

Jessica Bosari — Fri, 23 Dec 2011 13:00:00 +0000

Spouses can be passive in many different ways. A husband who is actively involved in helping to raise the children might be passive when it comes to handling the household finances. While there are some benefits to one spouse taking care of all of the financial organization and decisions, the potential strain on the relationship when one partner refuses to participate in the finances can be extremely damaging.Read the rest...

10 Frugal Holiday Gift-Giving Tips

Jessica Bosari — Thu, 22 Dec 2011 13:00:00 +0000

The holiday season can be extremely stressful for those who are on a tight budget. Your list is a mile long, but your finances aren't. As you prepare to celebrate, check out these tips for more frugal gift giving this year. You'll decrease your stress, and everyone on your list will be thrilled with your thoughtfulness.Read the rest...

10 Tips for Frugal Family Living

Guest Blogger — Wed, 21 Dec 2011 13:00:00 +0000

Today, frugal living is the only way of life. With a down economy and ever-increasing prices on most goods, it is vital to learn how to live frugally. Below are ten money saving tips for living the frugal, but good, life.Read the rest...

6 Great Holiday Gifts for Under $30

Guest Blogger — Wed, 21 Dec 2011 01:00:00 +0000

Sometimes it feels like there’s no end to the number of people we must buy holiday gifts for. Family members are one thing, but if your dentist’s assistant gives you a present during your winter visit, you might be rolling your eyes at the thought of reciprocation. Fortunately, here is a list of some unique gift ideas for under $30.Read the rest...

Free Home Phone Service? Yep. Really.

savingtools — Fri, 23 Dec 2011 20:33:41 +0000

This is a very cool find, with almost no catches, other than having to pay just under $50 for a small device that thus far, has worked flawlessly for us. The call quality is better than the mainstream VOIP service we used before getting this device, and it really costs NOTHING monthly to run. If you have existing internet service, you just buy this device, sign up for a free Google service, and you end up with a real home phone that's free. Yep...$0 a month. So what's the big secret?...Read the rest...

Re-evaluate: Have You Turned into a Cheapskate?

Jessica Bosari — Tue, 27 Dec 2011 13:00:00 +0000

Learning to live within your means is an important part of being financially responsible, but it can be taken too far. When you go from using money wisely to letting money run your life, you miss all of the things you were saving money for in the first place. When being frugal leaves you sitting at home counting coupons every night, you might be sacrificing too much for a few extra pennies here and there.Read the rest...

Not all Debts Are Bad

Jessica Bosari — Wed, 28 Dec 2011 01:00:00 +0000

One of the main problems with today's economy is that most Americans are in over their heads with debt. Credit card interest rates alone make up a huge chunk of the debt many consumers deal with from month to month. Many people are making car payments that last longer than the car they bought with the loan. With all that red ink, does the old idea of "good debt" still make sense?Read the rest...

Saving Money in a Tight Economy: 7 Wonders of Personal Finance

Guest Blogger — Thu, 29 Dec 2011 13:00:00 +0000

Those in the personal finance industry can come up with some very creative thinking from time to time on different ways to better your fortunes. A little while back, a fellow posted on is website about how he managed to save $1,400 a month simply by moving house.Read the rest...

Yes, You Can Afford to Send Your Children to Private School

Guest Blogger — Fri, 30 Dec 2011 01:00:00 +0000

If you prefer a private school for your children’s education instead of a public school, (not withstanding there is plenty of debate either way as to the pros and cons), then the next question is how to pay for it? If your answer is simply, write a check, then you are perhaps lucky enough not to need to plan so thoroughly; but for many families, what may seem to be out of reach, can be achieved through careful planning and savings. Read the rest...

Making the Most of Your Student Budget

Guest Blogger — Wed, 04 Jan 2012 22:16:53 +0000

If you are an average college student it will be a fair assumption that you will have to live within rather tight financial restrictions. A lot of this has to do with the fact that you are now far more independent than you used to be and this costs money. There are new friendships and more than a couple of parties to attend. Study takes a lot of your time which means it is not practical to have a full time job.Read the rest...

Year End Tax Savings Strategy for the Savvy Worker

Jessica Bosari — Thu, 05 Jan 2012 13:00:00 +0000

The end of the year is the perfect time to evaluate your tax situation and look for ways to save money. While time is growing short, you still have an opportunity to trim your tax bill for both the current year and the one to come.Read the rest...

Financial Resources for the Cash-Strapped

Jessica Bosari — Fri, 06 Jan 2012 01:00:00 +0000

In today's slow economy, many people struggle to meet their expenses on a daily basis. Fathers worry about how they will keep the utilities paid. Mothers clip coupons and cook frugally to stretch the food budget further. Kids wonder if they will be able to get new shoes, much less go to summer camp or on the yearly family vacation. What's a family to do?Read the rest...

Reclaim Your Financial Freedom: Tips for Getting Out of Credit Card Debt

Jessica Bosari — Fri, 06 Jan 2012 13:00:00 +0000

If you’re feeling bogged down by seemingly insurmountable credit card debt, you’re not alone. U.S. citizens held over $886 billion in credit card debt in 2010, according to the U.S. Census Bureau, and that number was projected to rise to $1.177 trillion by the end of 2011.Read the rest...

Retirement: Socially Responsible Investing

Jessica Bosari — Sat, 07 Jan 2012 01:55:04 +0000

The primary goal of investing is to earn a return. Yet, for many investors, the growth of their assets is only part of the picture. Like a family vacation, it's important to consider how you're going to get there. Investment capital is a powerful resource, and these investors want to see their capital used in ways that will generate social benefits, while it builds their portfolio. This attitude is referred to broadly as Socially Responsible Investing, or SRI, and it incorporates a range of strategies and vehicles.Read the rest...

Raise Your Credit Score—Lower Your Mortgage Interest Rate!

Jessica Bosari — Fri, 13 Jan 2012 15:52:02 +0000

So you are ready to buy a new home huh? Have you taken the time to check out your credit report? If your answer is no, then the very next thing you need to do is get a copy of your credit report to ensure it is completely accurate. Having incorrect or detrimental information on your credit report can cost you tens of thousands of dollars. The difference in interest paid on a $200,000 mortgage between a 4.5% and 5% 30 year fixed mortgage is $21198.15! Read the rest...

4 Steps to Successful Money-Saving Habits

Jessica Bosari — Sat, 14 Jan 2012 03:58:32 +0000

The secret to saving money is by creating a successful, good habit. The grand things in life are often just out of reach because of price. The only way you will obtain the items you want, vacations you desire and the financial freedom you deserve is through short-term sacrifice of saving money to gain the long-term benefits of reaching your financial goals. This article will share the four essential steps of building a great habit of saving money successfully.Read the rest...

10 Paper Products You Can Stop Buying Now!

Jessica Bosari — Sat, 14 Jan 2012 06:00:00 +0000

One of the quickest ways to save money on your household bills is by eliminating the purchase of paper products. Cutting out paper reduces your monthly costs and is an eco-friendly decision that has a positive impact on your wallet and the world around you. Buy cloth items at a discount or second-hand store, or dust off the sewing machine or needle and thread and make the items yourself. Here are ten paper items to cut and suggestions for cloth alternatives.Read the rest...

4 Ways To Help Your Budget

Jessica Bosari — Sun, 15 Jan 2012 01:00:00 +0000

As tough as the economy is these days we all are looking for ways to save money. Something that will help us all get to the end of the month a little bit more intact. When we are not looking to save a little money we are looking to make a couple of dollars wherever we can. I have rediscovered a few ways that might help everyone get over that financial hump a touch easier. The great thing is that most of my suggestions are also environmentally friendly.Read the rest...

Where Can you Live Comfortably for $1000 per Month?

Jessica Bosari — Sat, 14 Jan 2012 21:02:12 +0000

Footloose freelancers and creative retirees have been enjoying a comfortable standard of living for years by relocating and living well overseas. Many live a Western lifestyle on $1000 or less per month, and enjoy living in great accommodation, eating well, going out regularly and indulging in creature comforts from home.Read the rest...

How to Protect Yourself When Shopping Online

Guest Blogger — Thu, 19 Jan 2012 00:00:00 +0000

You're the most avid online shopper you know. You buy everything from shoes to clothes to accessories to home furnishings and electronics. But do you know who you're sending all of your financial information to when you make those purchases? Better watch your back, because hackers are out there tracking down people like you who don't know how to protect themselves when buying online.Read the rest...

At Home or Overseas, Stores Suffering through the Recession

Guest Blogger — Thu, 19 Jan 2012 15:00:00 +0000

The last 12 months have been a difficult time for all businesses, but Britain's high street (high end to those of us on this side of the pond) stores have had it worse than most. During 2011, job losses, pay cuts, and rising household expenses hit even the best-off families, and meant that the amount of disposable income flowing towards high street stores fell dramatically.Read the rest...

Five Ways to Save Big Money in 2012

Guest Blogger — Wed, 18 Jan 2012 20:17:55 +0000

The beginning of the new year offers new opportunities to save money. By adopting a healthier attitude towards finances and spending habits, further financial burdens can be alleviated. Here are 5 recommended methods to saving money:Read the rest...

The ABC's of Saving Money on Text Books

Guest Blogger — Wed, 18 Jan 2012 20:25:23 +0000

Buying and selling textbooks on a budget can seem like rocket science, whether or not that’s what you’re studying. As with any personal finance comparison, you must evaluate your options and then get the best value. Luckily, in this case, you get to sell your books back at the end of your studies.Read the rest...

15 Ways to Reduce Hotel Expenses When Traveling

Guest Blogger — Fri, 20 Jan 2012 18:03:17 +0000

The more affordable you make your vacation, the more fun you can have and the more things you can see and do. How do you make your travel more affordable? By bringing down the costs on the major expense heads, such as travel, hotels and food. Here are 15 ways you can cut costs on your hotel expenses.Read the rest...

6 Tips for Saving Tons on Daily Living

Guest Blogger — Wed, 25 Jan 2012 15:59:12 +0000

In today's struggling and debilitating economy, most people are having a difficult time keeping up with their daily expenses and their overall finances. With price hikes, staggering unemployment rates and increasing reports of bankruptcy at the left and right, it hasn't been an easy economic era to live in. Fortunately, there are ways for low and middle-class families to survive these harsh times. Read the rest...

Why Harley Davidson Should Sell Car Insurance

Guest Blogger — Thu, 26 Jan 2012 20:16:29 +0000

For many baby boomers and those on the fringes of generation X, the introduction to a Harley Davidson motorcycle came either from watching Evel Knievel nearly kill himself trying to jump over the fountain in front of Caesar’s Palace in Las Vegas, or from images of a Hell’s Angel motoring down the street. But if you were able to admire these images from distance, then they created quite the romantic image of the Harley Davidson motorcycle.

Read the rest...

Purchasing a Vehicle: Is There Room in Your Budget?

Jessica Bosari — Wed, 25 Jan 2012 06:00:00 +0000

With car prices in the tens of thousands of dollars these days, buying a car should be approached as carefully as buying a home. The difference is that your home will most likely appreciate over time but your car will lose value as soon as you drive it off the dealer's lot. Many people decide whether they can afford a car based on the monthly payment rather than on the overall investment. If you plan properly, you can buy a car that fits in your budget without paying double the sticker price in interest rates. Budgeting for a car even before you begin shopping will avoid the trap of a car loan that stretches your finances too thin.Read the rest...

Earn Free Stuff for Good Health

Jessica Bosari — Thu, 26 Jan 2012 06:00:00 +0000

It has become apparent in the last ten years or so that making healthy choices results in overall good health. Perhaps Benjamin Franklin said it best back in the eighteenth century when he professed, "An ounce of prevention is worth a pound of cure." In general, Americans strayed away from that old adage as the conveniences of modern-day fast food and processed goods took over. Somehow, we've ended up back where we began. More people are realizing the benefits of staying healthy to prevent illness and injury and to temper the high costs of healthcare. Many industries are jumping on board by rewarding customers for making healthy choices. Health insurance and credit card companies are among those offering customer rewards.Read the rest...

Smart, Simple Approaches to Grocery Shopping

Jessica Bosari — Fri, 27 Jan 2012 06:00:00 +0000

Saving money at the grocery store needn’t require hours spent sifting through coupons. There are other ways to save. Many of them involve less time and are smarter than traditional methods. Use these tried and true tips to make sure you get the most for your money the next time you shop.Read the rest...

Save Money with a Grocery Shopping Buddy

Jessica Bosari — Tue, 31 Jan 2012 02:33:22 +0000

The most flexible line item in a household budget is the grocery expense, and it’s usually the first expense to be cut when money is tight. Even if you’re savvy about money-saving shopping tricks, do you realize that enlisting a friend's help could save you even more? Shopping with a friend allows you to take advantage of opportunities you couldn't have alone, and the whole experience is more enjoyable. Here are just a few ways you and your shopping buddy can save at the supermarket.Read the rest...

Save Money by Saving Mother Earth

Jessica Bosari — Tue, 31 Jan 2012 15:30:00 +0000

In recent years, there has been a huge interest in simple living, green lifestyles and frugality. It makes sense: inexpensive lifestyles are often the best for the environment as well. Our nation's combined economic crisis and growing concern about resources have created a culture of environmental awareness and a growing interest in saving money. If you're looking for more ways to save money and take care of the environment at the same time, here are a few suggestions.

Read the rest...

Payday Loans: Dangers and Alternatives

Guest Blogger — Wed, 01 Feb 2012 15:00:00 +0000

There are many reasons why people shouldn’t use payday loans, and yet people still use them every day. While some people think that a payday loan is their last or only option, I know that if they were to really consider the dangers of payday loans and the many alternatives they might have, then they would find another way to get by.

Read the rest...

5 Ways to Keep Your Family within a Budget

Guest Blogger — Thu, 02 Feb 2012 15:30:00 +0000

With the economy still on very shaky ground, it’s more important than ever for people to learn how to live within a budget. However, there is a big problem with budgets – they’re like diets. And just like when you see that gooey jelly donut in the window of the bakery and your diet goes out the window, your budget will go out the window you see those “adorable” shoes which you simply “must have” or that new tablet computer. So how do you figure out how to actually stick with a budget?

Read the rest...

Five More Tax Deductions You Won’t Want to Miss

Jessica Bosari — Fri, 03 Feb 2012 15:30:00 +0000

In the adult world, there are few things as confusing and potentially frustrating as income taxes. Impossible to avoid and notoriously dull, tax season strikes fear in the hearts of many. It doesn't need to be that way though. Tax software has made it easier than ever to prepare your own taxes, and you may be entitled to a larger return than you expect. When you file your taxes this year, remember to find out whether you qualify for these five deductions.

Read the rest...

Learn How to Save Up to $1,000 Every Month On Your Car

Guest Blogger — Mon, 06 Feb 2012 15:30:00 +0000

One of the most expensive items that people pay for every month, is their car. The average car payment in America is over $400. If you have two car payments every month, you could be spending as much as $1,000 every month just making your car payment. If people were able to reduce or eliminate their car payments, they would be able to save a substantial amount of money. This article will teach you how to save a lot of money, and how to avoid some of the pitfalls of car ownership that will steal your money.Read the rest...

Saving Money: Life is Tough - So Get Tougher

Guest Blogger — Mon, 06 Feb 2012 17:10:46 +0000

If you are like most people in the world and struggling financially it can sometimes feel like standing on the bottom of a lake looking up. Stress levels mount with each new setback or unexpected bill until you can't help but wonder if you'll ever see your way clear again. You get nailed with late fee after late fee even after trying to deal with the people you owe, but they just keep coming.

Read the rest...

10 Tips for Banking Safely Online

Jessica Bosari — Thu, 09 Feb 2012 15:00:00 +0000

Online safety experts agree that financial transactions over the Internet are safer than ever before. With that said, it is up to you to make sure your online banking is as safe as it can be. Here are some things you can do to increase security and be smart when you're banking online.

Protect Your Login InformationRead the rest...

Classic Tips for Saving Money at Restaurants

Jessica Bosari — Wed, 08 Feb 2012 03:00:00 +0000

The cost of eating out can be a budget buster. Sometimes, however, you just don't feel like cooking or you crave a dinner out with friends. Instead of worrying about spending too much money, put these money-saving tips into action while eating at your favorite restaurant. Your friends and family will be none the wiser and you'll feel good knowing you aren’t spending too much.

Stick to Your BudgetRead the rest...

Ten Ways to Prepare for Retirement

Jessica Bosari — Wed, 08 Feb 2012 15:00:00 +0000

People are living longer these days, which means that once you retire you will probably still have much living to do. The old rule of thumb was to plan for approximately 10 years of retirement. Nowadays, however, planning for 20 years of retirement makes more sense. In turn, it makes sense to plan for retirement earlier than ever before.Read the rest...

What to Look for When Opening a Savings Account for Small Business Owners

Guest Blogger — Fri, 17 Feb 2012 03:00:00 +0000

As a small business owner, you need to think about how you are going to handle your business’ money. One great way you can manage your company’s money is to place it in a savings account for small business owners. These savings accounts ensure that your money is safe while even providing you with a bit of interest that will increase the amount of money you have in your account.

Read the rest...

Love Me, Love My Credit Score

Guest Blogger — Tue, 14 Feb 2012 15:00:00 +0000

Love it or hate it, proud of it or trying to hide it away, everyone has a credit score and everyone has a different score for different reasons, based on their financial circumstances. Let's face it, the subject of your credit score is not on the list of conversation topics for dating couples and the chances are you only find out once you are embarking on a joint financial commitment. Most commonly, this is by looking into mortgage repayment calculator for buying your first home together.

Read the rest...

Hidden Money-Saving Talents of Smartphones

Jessica Bosari — Tue, 14 Feb 2012 03:00:00 +0000

Smartphones have become a necessity for most people. You can send and receive calls and texts, surf the Internet, and get amazing apps to help you in any aspect of your life, from weight loss to studying for a test. Many people use smartphones to navigate their way through daily life. The best thing about smart phones is the incredibly affordable software you can buy in the form of apps. The apps below don't cost much, but they sure do a lot for you. Some of them will even save you money by replacing otherwise expensive electronic devices.Read the rest...

10 Ways to Stretch Your Dollar on a Low Budget Income

Jessica Bosari — Thu, 16 Feb 2012 17:17:08 +0000

With the economic downturn and many families facing unemployment, people are struggling to make ends meet. If you've recently lost your job or suffered a cutback, you may not know where to begin with living on a lower income. Fortunately, there are some ways to stretch your dollar to cover all of your living essentials.Read the rest...

Presidents’ Day Sales Offer the Best Deals Around

Jessica Bosari — Fri, 17 Feb 2012 15:00:00 +0000

Presidents’ Day falls at one of the best times of year for great consumer deals. The middle of February is when retailers begin to get serious about making room for the current year's spring items by clearing out last year's stale merchandise. That can mean a bonanza of low prices for shoppers who know what to look for. You probably won't see candy or flower prices drop until after Valentine's Day, but the deals in other categories should be too good to pass up.Read the rest...

Bad Investments – Large and Small

Guest Blogger — Tue, 21 Feb 2012 15:00:00 +0000

Just one or two bad investments can become a plague to your personal finances and ruin your budget. From term deposits to stocks and much, much more, how do you know left from right? How will you choose a good investment, or be able to spot a bad investment?Read the rest...

Money Saving Vegetable Gardens

Guest Blogger — Fri, 24 Feb 2012 03:00:00 +0000

Growing a vegetable garden can save money on the cost of groceries. Grow just a few vegetables that the family enjoys and double or triple the investment of building a garden. Historically, gardens are very popular during hard economic periods. During The Great Depression, Victory Gardens were built to supply families with food when they had no money.Read the rest...

10 Simple ways to Save Money on Car Repairs

Jessica Bosari — Wed, 22 Feb 2012 03:00:00 +0000

When you were a kid, the ability to fix your own car, or at least perform routine maintenance, was an assumed part of every adult male’s repertoire of skills. It was equal parts economic necessity and rite-of-passage. It was a convenient excuse to spend most of the day in the garage with your friends. While the complexity of modern cars have made most major repairs problematic for the home mechanic, there are still a variety of simple maintenance and repair projects that can be easily done at home for a fraction of what a professional mechanic would charge.Read the rest...

Seven Simple Tricks for Saving Energy and Money

Jessica Bosari — Thu, 23 Feb 2012 03:00:00 +0000

One of the nice things about being kind to Mother Earth is that our kindnesses usually save us money. Even though the concept of going green is catching on, some energy-saving tips remain overlooked by many of us. These tips may seem simple, but the energy we can save by following will really add up over time.

Read the rest...

How to Use Your Credit Card to Improve Your Credit Rating

Jessica Bosari — Fri, 24 Feb 2012 15:00:00 +0000

Your credit rating is one of the most important numbers in your life. It can determine car insurance premiums, loan rates, and monthly car payment amounts. Nurture your credit rating in an intentional manner to keep it as high as possible. A credit card is a good tool for managing your credit rating when you know how to use it properly.

Read the rest...

A Financial Lent? Expenses You Can Do Without

Guest Blogger — Mon, 27 Feb 2012 15:00:00 +0000

February’s truncated length earns it a reputation as something of an odd month, but then it also contains three of the year’s strangest celebratory days. February 2nd is Groundhog Day, a day so quirky that it warranted its own Bill Murray film. Then there’s February 14th, Valentine’s Day, a day so bizarre it spawns at least five romantic comedies inferior to Groundhog Day every single year. Finally there’s the event that falls this year on the 21st of February, Shrove Tuesday, a day so extraordinary it, well, involves the consumption of pancakes, and that’s about it.

Read the rest...

8 Personal Finance Apps to Help You Save Money

Jessica Bosari — Thu, 01 Mar 2012 15:00:00 +0000

Almost no one goes anywhere without their smartphone these days. Whether you use your phone to check the weather, keep up with the latest news or use it as a mobile GPS to keep yourself on track, smartphones have become integral to how we get things done. In 2012, your phone will gain even more functionality with a variety of financial apps and programs that can help you manage your personal economy no matter where you are. Read the rest...

Life Insurance: A Safety Net for Unmarried Couples

Jessica Bosari — Thu, 01 Mar 2012 16:35:00 +0000

Many couples are either choosing to remained unmarried or are blocked from marriage due to existing laws banning same-sex marriage. Regardless of the reason for remaining unwedded, these couples experience unique difficulties when facing the death of one member of the partnership. Life insurance, both term and whole, can provide much needed financial security and asset protection after the death of one half of an unmarried couple.Read the rest...

How to Get Free IRS Tax Help

Jessica Bosari — Sat, 03 Mar 2012 00:00:00 +0000

If you need help filing your taxes but can't afford to shell out the fee charged by professional tax preparation companies, you may be feeling some stress during this tax season. Tax laws change constantly, and it's nearly impossible for the average taxpayer to keep up with them all. Many people have complicated tax scenarios that require a bit of extra know-how. For example, if you were unemployed last year or performed freelance work to help bring in a few extra dollars, you may require extra information to correctly prepare your tax return.Read the rest...

Financial Security Tips for One-Income Families

Jessica Bosari — Sat, 03 Mar 2012 02:30:00 +0000

Providing for a family on one income can be done, but it requires some planning. Many people reduce their budgets to one income out of sudden necessity without the luxury to reorganize their lives before half their income is gone. Others are fortunate enough to cut out one income by choice. Whether you’re an accidental one-income family or you’re living on a single income by choice, these tips can help you transition from two salaries to one.
Read the rest...

Life Insurance: Myths vs. Truths

Jessica Bosari — Tue, 06 Mar 2012 00:30:00 +0000

While it is true that life insurance is an important part of keeping your dependents financially protected, it is not the right choice for everyone. If your dependents are independently solvent, there is no reason for you to pay for a life insurance policy. The myth that everyone needs to carry life insurance is one of the most common misconceptions about insurance coverage. Here are a few often-misunderstood truths.
Read the rest...

Simple Interest and How to Calculate It

Jessica Bosari — Wed, 07 Mar 2012 15:30:00 +0000

Interest is the amount of money a bank charges when you take out a loan; and interest is the amount of money you earn when you loan a bank your money by opening a savings account. The money you borrow, or lend, is the principal; and the money the bank charges, or pays, is the interest. High interest rates work against you when you have a loan; but they work in your favor when you have a savings account. If you're preparing to make a large purchase via a loan, or you have a particular savings goal, you should consider the interest rate to calculate the exact amount of money you will spend or save over time.Read the rest...

Foreclosure of Rental Property and Tenant Rights

Jessica Bosari — Wed, 07 Mar 2012 23:00:00 +0000

If you are a renter, foreclosure may not be a problem that has ever entered your mind. Unfortunately, more renters are finding themselves in the unique situation of living in property an owner has let slide into foreclosure. Do you have rights in this scenario? If so, what are they?Read the rest...

4 Warning Signs of Uncontrolled Debt

Jessica Bosari — Sat, 10 Mar 2012 00:00:00 +0000

Most Americans carry debt. But how do you know when your debt has crossed the line from manageable to taking over your life? Out-of-control debt leads to stress and is the cause of many failed marriages. Take a look at these signs to determine whether your debt is out of control and, if so, what you can do about it.

1. You Pay the Minimum on Credit Card Balances.Read the rest...

A Simple Guide to Filing Bankruptcy Without a Lawyer

Jessica Bosari — Fri, 09 Mar 2012 00:00:00 +0000

When you file for individual bankruptcy, the lawyer's role is to make sure you follow the proper procedures and fill out the paperwork correctly. It is possible to file your own bankruptcy claim without paying for an expensive lawyer as long as you take the time to research the rules and requirements before you approach the court.

File ProperlyRead the rest...

Save Money: Avoid Cell Phone Contract Cancellation Fees

Jessica Bosari — Mon, 12 Mar 2012 23:00:00 +0000

Chances are, when you signed up for cell phone service, you signed a contract. Within that contract was a bunch of fine print, rules and regulations, and fees. It behooves you to pay attention to such fees, in the event that you might want to transfer or cancel service for a better option in the future. Most companies have something called an Early Termination Fee (ETF), which applies to a number of different situations. Many people are unaware of these fees, which can be upwards of $200. Think before you cancel, and you might be able to move on without paying these hefty fees.Read the rest...

Construct an Effective Credit Report Dispute

Jessica Bosari — Mon, 12 Mar 2012 23:00:00 +0000

Credit reports are typically of interest to insurance companies, mortgage lenders, loan companies, banks and potential employers. Although we all know the importance of having good credit score, many of us have never actually seen our own credit reports. It is important to check your credit report from time to time to ensure its accuracy. If an inaccuracy in your credit report ever puts you in a troubling situation, you can file a dispute.Read the rest...

7 Essential Tax Tips for the Unemployed

Jessica Bosari — Thu, 15 Mar 2012 13:00:00 +0000

Unemployment continues to be a serious issue for many families in the United States. Not only does unemployment cause day-to-day stress, it also poses an unusual situation when filing your annual income taxes. As unfair as it may seem, unemployment income is taxable income. If you've been unemployed during the past year, it's essential that you read the following tips to be sure of filing your taxes properly. You've been through enough - the last thing you need is an audit.Read the rest...

7 Car Apps for the Extremely Frugal

Guest Blogger — Thu, 15 Mar 2012 01:30:00 +0000

The cost of owning a car can be overwhelming when you add up unforeseen repairs, regular maintenance, and monthly loan and insurance payments. As gas prices continue to rise, many car owners are seeking creative ways to save money on their vehicles. Several new smart phone apps are readily available to help curb the costs of owning and maintaining a vehicle.Read the rest...

How to Fund Your Mortgage Payment in Innovative New Ways

Guest Blogger — Fri, 16 Mar 2012 12:00:00 +0000

With the state of the economy these days, one very hot topic is the housing crisis. And you may have heard that in many areas, a high percentage of homeowners owe more on their mortgages than their houses are worth. But some homeowners are taking some interesting steps to keep from losing their homes, and these solutions seem to be working well for them.Read the rest...

Save Money on Rent With Housing Choice Vouchers

Jessica Bosari — Mon, 19 Mar 2012 12:00:00 +0000

The housing choice voucher program, otherwise known as Section 8 Housing, is a government program that assists low-income families and people with disabilities in their quests for affordable, safe housing. The program provides low-income families the opportunity to live in a safe neighborhood and, at the same time, keep up with other bills and necessary expenses. Housing choice vouchers help people with low incomes save money on housing expenses, and aid recipients can choose to live anywhere they wish. If your income is low or you're having difficulty paying for your current residence, it may be a good idea to check into this program.Read the rest...

Make Your Retirement Dollars Last

Guest Blogger — Tue, 20 Mar 2012 11:00:00 +0000

Once you reach retirement, you're free to start living life on your own terms. No longer do you have to answer to the whims of your boss or wake up every day to an alarm clock. Of course, this will only be possible if you have the money that you need to retire comfortably. Many people retire with a very small amount of money in their portfolio and do not know how to handle their situations. If you want to maximize the amount of money that you have available at retirement and make your retirement dollars last, there are a few steps that you should consider taking.Read the rest...

5 Tips for Frugal Living in Retirement

Guest Blogger — Tue, 27 Mar 2012 12:00:00 +0000

While a few retirees are living as well as they did when they were working because of some very good investments, most must live on a much smaller budget. With the extra time that you have as a retiree, plan through your purchases a little more, and consider saving money a personal challenge, not an obstacle.Read the rest...

7 Little Known Ways to Save on Utility Bills

Jessica Bosari — Thu, 22 Mar 2012 00:00:00 +0000

Utility bills can quickly add up over time. Any single action may not have a huge effect on the overall cost, but as the year wears on, a person can easily lose a lot of money to the electric, water or gas company. Not only are utilities expensive, they also eat up valuable natural resources. Here are a few tips to conserving energy to live a greener and more affordable lifestyle:Read the rest...

Why Debt Is Dangerous, Even if You've Never Missed a Payment

Jessica Bosari — Thu, 22 Mar 2012 23:30:00 +0000

Most people know that missing payments can be detrimental to their financial health and credit score. What they may not realize is that debt of all kinds carries a heavy price, even if that debt is within their means to pay. If you've never considered switching to a cash-only lifestyle before, here are a few reasons why you might want to consider it:Read the rest...

The Best Free Money Management Tools

Jessica Bosari — Mon, 26 Mar 2012 13:00:00 +0000

When it comes to managing money, most people need all the help they can get. In order to be cost effective, however, money management assistance needs to be cost-free. If you're watching your pennies fly out of your pocket each month and wondering what you can do better, there are a number of free options to choose from. Advancements in computer software, smart phone apps, and other money management tools have made it possible to get help with money management at no additional cost to you.Read the rest...

Opening A Basic Bank Account Online: What To Consider

Guest Blogger — Sat, 24 Mar 2012 00:30:00 +0000

For people who have been unlucky enough to get into difficulty with credit in the past, getting something as basic as a bank account can be a veritable struggle. This is mainly because banks will usually carry out a credit check to see how much of a risk you could be to them. And in many cases, that will mean rejection.Read the rest...

Bounce Back from Bankruptcy

Guest Blogger — Thu, 29 Mar 2012 14:45:00 +0000

Bankruptcy is one the most stressful and challenging financial ordeals that may befall any person at any time. Sometimes it is the result of poor financial decisions made over a long period of time; other times it is the result of an unexpected event, such as a costly medical emergency. When asked about how he went bankrupt, Earnest Hemmingway famously stated “Gradually, then suddenly.” Whatever the reason, bankruptcy doesn’t have to be a killer. While it can’t be erased altogether, it can at least be managed.Read the rest...

3 Straightfoward Personal Finance Tips

Guest Blogger — Mon, 02 Apr 2012 11:30:00 +0000

These days it seems like everyone is a little crunched for money, or not quite as...generous...as they used to be, especially for those just out of college or in their twenties. Money is definitely an issue. It always has been, but with the recession and the job market, people are finding the crunch harder and harder to bear.Read the rest...

Turn Saving into a Game Using Saveup.com

Jessica Bosari — Fri, 30 Mar 2012 04:30:00 +0000

How would you like to win a television, a $50,000 makeover or even a way to get lower interest rates on loans? While we’re used to being rewarded by banks for spending money, a new start-up called SaveUp reverses the formula by giving users a chance to win prizes by saving money and paying down credit card balances.Read the rest...

The Art of Finding a Good Roommate

Guest Blogger — Sat, 31 Mar 2012 05:00:00 +0000

A good roommate is one that suits your personality, has tolerable cleanliness habits, pays bills on time, knows when it is quiet time, does not mind when it is not quiet time and has pets or no pets, depending on your taste. That's a long list. Get it wrong, and you could be out a lot of money. Follow these guidelines to be sure you get it right!Read the rest...

Invest Now for Your Toddler's Retirement?

Jessica Bosari — Thu, 05 Apr 2012 00:00:00 +0000

It can be tempting for new parents to think about starting a retirement fund for their children so that the kids are financially protected in the future. Sure, retirement savings are important, and it's true that many people wait too long to begin saving for their retirement days. Does it make sense for parents to focus their investment dollars on a retirement fund for a child that is still in diapers?Read the rest...

5 iPhone Apps to Help You Save and Manage Your Money

Guest Blogger — Thu, 05 Apr 2012 11:00:00 +0000

Apple’s iPhone has revolutionized the stagnant industry of smartphones (which was long dominated by the never changing Pocket PC and Windows Mobile) and has given it a new life. Suddenly, phone manufacturers realized they actually can build great smartphones that are also easy to use, which can be sold to the mainstream population and not only to geeks or tech enthusiasts.Read the rest...

Get Out of Debt with a Zero Dollar Budget

Jessica Bosari — Fri, 06 Apr 2012 04:30:00 +0000

A shaky economy and stagnant wages means that more consumers are focusing on paying off their existing debts and beefing up savings accounts. If this is your goal, then switching to a zero dollar budget can make those objectives easier to reach. Read the rest...

What You Need to Know About Foster Care Subsidy

Jessica Bosari — Fri, 06 Apr 2012 16:30:00 +0000

If you are thinking of becoming a foster parent so that you can enjoy a little boost to your income, prepare to be sadly disappointed. The subsidies that states pay foster parents for childcare are usually just enough to cover the basic needs of the child. Before you get approval as a foster parent, you will have to prove that your family is financially stable without the subsidy. Foster care subsidies are not designed to help you get out of debt or put you in a better income bracket.Read the rest...

Debt Doesn't Always Mean You Need Life Insurance

Guest Blogger — Mon, 09 Apr 2012 23:00:00 +0000

Many insurance companies use fear to sell policies. A common fear-mongering approach is to tell a consumer that he must buy life insurance in order to avoid saddling his loved ones with debt after his passing. Not only is this type of emotional plea unfair advertising, it's not even accurate. Most debt dies with the person who carries it, so your children won't be affected once you go.Read the rest...

Top Tax Deductions for Landlords

Guest Blogger — Tue, 10 Apr 2012 05:00:00 +0000

Most people are familiar with the mortgage interest deduction available for a first or second residence but don't realize there are many other tax savings opportunities available for owners of rental property. Because renting out property is considered a business, landlords are allowed to deduct a wide range of expenses related to operating that business, particularly if there is no personal use of the property in question by the owner.Read the rest...

7 Important Tips to Super Charge your Credit Score

Guest Blogger — Thu, 12 Apr 2012 14:00:00 +0000

If you are planning to take a loan some day, the number one thing that will matter for you is your credit score. Maybe it's not bad, but it can be better. It is time to look into the positives of having an excellent credit score first and see how a not so bad credit score can actually put you through quite a lot of loss at the end of the day. Remember, it is never really about getting the loan, because you will get it either way, it is mostly about what interest you will repay and the simple logic of - better the credit score, the more favourable the payoff interest is going to be for you.Read the rest...

Tips for Getting a Small Business Loan

Guest Blogger — Mon, 16 Apr 2012 14:00:00 +0000

With today’s tough economic climate, the process of obtaining a business loan has become increasingly difficult and for many, utterly necessary. For many businesses just starting out, loans are essential and vital to the survival and continual growth of the company. Even many mature businesses have seen their volumes and profit margins shrink, requiring additional capital to stay in the game. A small business loan can help keep your existing business alive or help you launch a new one, but in this environment, don’t expect the loans to come easy; you need to know how to sell the banks on the prospect.Read the rest...

Make the Most of Tax Credits and Deductions

Jessica Bosari — Thu, 12 Apr 2012 02:00:00 +0000

Everyone in the United States who earns more than $600 in a calendar year is required to pay taxes on their income. If you do not file an income tax return and you earned enough to qualify to pay taxes, you could face a hefty fine or even some time in jail. The IRS does not work quickly, but they are very thorough. You might think you got away with skipping your taxes this year, but a few years from now, you'll hear from the IRS when they figure out that you owe them money. Remember, the FBI did not catch Al Capone; he was caught and convicted by the IRS.Read the rest...

Save More Money with Cloud Computing

Jessica Bosari — Fri, 13 Apr 2012 14:00:00 +0000

Cloud computing is a hot trend in today's business world. The idea has been around for years, and a growing number of businesses are starting to take advantage of the added security and money saving features of cloud computing. Storing data on a cloud network means that you can access your business from any location that has an online connection. Smart business owners today are looking towards cloud computing to save money and improve business. Even the Department of Defense is looking at cloud computing as the technology becomes more secure and reliable.Read the rest...

Not Your Mother's Cloth Diapers: Save $2,000 or More by Cloth Diapering

Jessica Bosari — Tue, 17 Apr 2012 14:00:00 +0000

Many parents are now switching over to a cloth diapering system. Some do it in an effort to help lighten their ecological footprint, others want to save money and others just want to make sure their babies' bottoms are lined with soft, natural materials. There are many different types of cloth diapering systems, each with their own drawbacks and benefits. The one fact that cannot be disputed, however, is the cost of the diapers. Over the course of a baby's diapering years, parents will save thousands of dollars by switching to cloth diapers.Read the rest...

Helping Your Teen with Financial Planning Now Will Save You Money Later

Jessica Bosari — Wed, 18 Apr 2012 14:00:00 +0000

Is there such a thing as a financially savvy teenager? It's practically the punch line to a joke, isn't it? Teenagers are notorious for letting money slip through their fingers. Personal finance and financial planning aren't taught in schools and you may be watching your teenagers in dismay, wondering how they will ever survive as adults in the real world of budgets and bills. More adults are finding themselves straddled with young adults who seem to have become permanent roommates. These parents don't want to see their children fail because of bad financial decisions, but how will their kids ever learn to adequately manage money if they know they always have a safety net?Read the rest...

Keep Your Wardrobe Fresh: Host a Fashion Swap with Friends

Jessica Bosari — Fri, 20 Apr 2012 14:00:00 +0000

Fashion trends can be exhausting to keep up with and it is hurting your bank account. Just when you've acquired half of the hottest items from one season, it's on to the next. One great way to stay fashionable without spending a dime is by hosting or attending a fashion swap. It's easy. Enlist a few girlfriends to go through their closets and dig out the items they no longer wear, and then host a party to display the items. Friends can eat and catch-up while they exchange clothes, shoes and accessories.Read the rest...

25 Ways To Save Money On Your Next Family Vacation

Guest Blogger — Tue, 24 Apr 2012 14:00:00 +0000

Vacations are a time for the entire family to come together and spend some quality time with each other. Even though it is a lot of fun, money can be a huge question when it comes to paying for an entire family’s trip so here is a list of ideas you can use to save money on some of the expenses:Read the rest...

Bundling Your Bills: When it May not be Right for You

Guest Blogger — Fri, 27 Apr 2012 14:00:00 +0000

If you have more services than you use in your bundle, it might be time to cut back. Saving money by paying for things you never use is not saving you anything at all. There is a good chance you can find the services that you really need and cut out the services you don't need at a lower price than you get through a bundled service. Very few people fit into the one-size-fits-all cookie cutter mold that bundles are made for.Read the rest...

Eating Green to Save Green

Jessica Bosari — Mon, 23 Apr 2012 05:00:00 +0000

Americans are meat lovers. While meat does provide important amounts of protein which keep our bodies lean and strong, most of us consume way more meat than the body requires. In fact, a typical American diet consists of about 80 to 90 percent more meat than necessary. With the economy in a slump, more and more Americans are trying to cut costs on transportation, entertainment, and even medical expenses, but they seem to overlook one of the most important reasons for their blown-up budget- their protein-heavy diet. Switching to a more vegetable-based diet can actually lower your grocery bill. It's time to eat green to save green.Read the rest...

Super Saver Summer Time Fun for Families

Jessica Bosari — Wed, 25 Apr 2012 05:00:00 +0000

The temperatures are rising, the days are getting longer and the sun is shining brighter. That can only mean one thing: summer vacation is near. Kids everywhere are gearing up for summer break. No school, sleeping in, lazy days filled with games, fun and relaxation. While summer vacation is a much needed break from daily routines, many parents find that it can put a large dent in the pocketbook if they aren't careful. Camps, sports, vacations and other activities add up quickly. Many American families are in a financial position that doesn't allow for extra spending this summer.

Don't worry! The kids can still have a great summer of fun with these activities that have little impact on the earth or on your bank account.Read the rest...

4 Couponing Mistakes You Don't Realize You're Making

Jessica Bosari — Mon, 30 Apr 2012 14:00:00 +0000

Whether due to the struggling economy or the sudden popularity of reality shows featuring extreme couponers, more families are turning to coupons to save money on their groceries. The pros make it seem so easy to snag the best coupon deals, but the truth is that there is a steep learning curve. Here are three tips to keep you from making rookie mistakes while you are still learning the ropes of couponing.Read the rest...

5 Steps to Spring Clean Your Finances

Jessica Bosari — Wed, 02 May 2012 14:00:00 +0000

After a long winter, many people give their home a thorough spring cleaning in order to start the season off fresh with a new perspective. This idea should apply to all aspects of your life, not just your home. By sorting through the financial clutter, you can better see where your budget strengths and weaknesses are in order to meet your current goals more effectively.Read the rest...

Is It Wise To Buy A Home Alone?

Guest Blogger — Tue, 01 May 2012 14:00:00 +0000

As recently as 2007, only 30 percent of all homes purchased within the United States were bought by singles. Out of this number, less than a third were single men. These statistics beg the question: why? Single buyers are offered the same tax breaks as couples. They also stand to make the same profit off of investing in a home. Yet, single buyers are a minority in home purchases.Read the rest...

Are You a SmartyPig Saver?

Jessica Bosari — Fri, 04 May 2012 14:00:00 +0000

Remember those giant, plastic piggy banks? They stood about two feet tall, had a slit in the top, and there was no way to get the money out without cutting into the flimsy plastic. Mine was blue and shaped like a little girl. It was agonizing to watch her sitting there, only a few coins scattered on the bottom of her dress. As the weeks went on, she got heavier and heavier.Read the rest...

What Is Dead Peasant Life Insurance?

Jessica Bosari — Mon, 07 May 2012 05:00:00 +0000

Most life insurance policies provide financial assistance to a deceased person's surviving relatives. When an insured person dies, his life insurance benefit goes to the beneficiary of the policy such as his spouse or children. This money is usually used to pay for funeral expenses and replace the income of the deceased. Another type of life insurance exists, however, that many people have been unaware of until recently, and it has a more nefarious purpose.Read the rest...

Lies Bill Collectors Tell You

Guest Blogger — Tue, 08 May 2012 19:03:02 +0000

Debt collection agencies often attempt to use aggressive, harassing and misleading tactics in order to intimidate a person into handing over money. Many of the lies that debt collectors use to harass families are actually illegal under the federal Fair Debt Collection Practices Act (FDCPA). Unfortunately, the FDCPA has not stopped all bill collectors from continuing to use illegal collection methods. As more and more uncollected debt has accrued predatory collection agencies have sprung up that buy uncollected debt for pennies in hopes of collecting big. These debt buyers have been at the forefront of abusive collection practices.Read the rest...

So, What Would Dave Ramsey Do?

Jessica Bosari — Wed, 09 May 2012 05:00:00 +0000

If you've ever turned on the radio and heard people screaming at the top of their lungs, "We're debt free!" then you've heard of Dave Ramsey. A financial professional and somewhat of a life coach, Dave Ramsey has been offering financial advice to people for years. You can hear him on the radio, read one of his books, watch a DVD or attend a seminar to learn his complete system for getting, and staying, out of debt. Ramsey is a no-nonsense kind of guy offering clear-cut advice on making sound financial decisions.Read the rest...

Getting Married? Don't Overlook These Financial Planning Issues

Jessica Bosari — Fri, 11 May 2012 02:00:00 +0000

As you prepare for your big wedding day you are planning to make a lot of changes in your life. You are changing from being single to the beginnings of your own family, you are where and how you live and perhaps you are even changing your name. With all of this change, and in addition to planning a big party and a big move, you should also take the opportunity of marriage to reassess your finances and look at how your financial needs, goals and processes will change after the wedding.Read the rest...

Planning a Summer Vacation: How to Start Saving

Jessica Bosari — Fri, 11 May 2012 14:00:00 +0000

With spring well underway and most school semesters drawing to a close, many people are looking forward to summer as a time for vacations and relaxations. While summer vacations are a long-standing family tradition, they can strain the pocketbook, especially in a troubled economy.

Between gas prices, food, lodging and entertainment costs, even a simple vacation can quickly escalate into a prohibitively expensive affair. Fortunately, with a little forethought and planning, you can set aside money for a dream vacation and cut vacation costs. Read the rest...

How to Use Social Media to Help in Your Job Search

Jessica Bosari — Mon, 14 May 2012 05:00:00 +0000

Let's face it, the job market is a disaster. Those who fail to keep up with technology could be left behind in the job search. Show your proactive side by using social media to help you find your next job and prosper during tough times.Read the rest...

How to Retire On Less: 6 Alternative Lifestyles

Jessica Bosari — Wed, 16 May 2012 02:00:00 +0000

With the decline of the economy and retirement funds seeing dramatic losses in the past few years, more employees are realizing that traditional retirement might not be possible for them. If you are approaching retirement age and either not willing or not able to quit your job just yet, then here are five alternatives to the conventional ideas about retirement.Read the rest...

Kid Spent Hundreds Using His iPod Touch? How to Get Your Money Back

Jessica Bosari — Wed, 16 May 2012 14:00:00 +0000

Imagine my horror to find my bank account drained of almost $500 from, of all things, an app on my son's new iTouch! The game Gun Bros offers coin packs to players that they buy for real money. The downside is that they don't make it obvious you are using real money to buy these packs. After all, who would imagine paying $200 for some tokens to use on an app? Seems inconceivable, doesn't it? You could easily spend hundreds playing a stupid little game designed to kill time.Read the rest...

Search Tips for Better Deals

Jessica Bosari — Mon, 21 May 2012 15:18:43 +0000

When shopping on Amazon or just Googling a product, there are unexpected ways to find better deals. Let's start with the basics and move on to some tips and tweaks to your product searches to help you find the best deal every time.Read the rest...

Envelope Power - Get Your Finances in Order Now

Jessica Bosari — Wed, 23 May 2012 02:00:00 +0000

If you want to meet your financial goals, making a budget and sticking to it is a necessity. Even though you know you need a budget, knowing how to get started can be overwhelming. Should you use a pen and paper system? Should you invest in a computer program to help you track your expenses? One method that is growing in popularity is the envelope budgeting system. Read the rest...

Can Shopping Online Lower Your Grocery Bill?

Jessica Bosari — Thu, 17 May 2012 05:00:00 +0000

With the increasing availability of products on the Internet, many money-savvy consumers are turning to buying their household’s groceries online instead of using a supermarket. While some may be hesitant about buying food on the Internet, others are quickly realizing that it is more convenient than running to the grocery store and it helps you to save money at the same time. Here are some reasons why you should consider online grocery shopping:Read the rest...

6 Tax Credits Small Business Owners Often Miss

Jessica Bosari — Fri, 18 May 2012 05:00:00 +0000

High tax bills are a common lament of small business owners. Yet, there are a number of tax credits that can help off-set that obligation that many small business owners never claim. Here are six of the most overlooked tax credits that can help your business reduce its tax obligation. Read the rest...