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Continuing the holiday gift giving theme…
2008-12-01 14:26:00
Let’s face it - times are tough. And now, as if you weren’t strapped for cash enough, the holidays are quickly approaching.For the kids on your list, there are several inexpensive choices for gift giving. 1. Old fashioned board games! Games like Candy Land or Chutes and Ladders can be purchased for $5.00 or less. 2. Or visit the local dollar store to rack up on some great toy knick knacks for


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2008-11-21 14:16:00



Tis' the season for NOT using your credit card!!
2008-11-21 13:59:00
With the holidays quickly approaching, many of you may be trying to budget for holiday gift giving. And in this crazy economy… it may be tempting to charge holiday gift items to your credit card. Don’t do it! If you use your credit card, chances are that you might overspend, buying too many items for people or buying high priced items.Instead, try downsizing this year. Keep holiday purchases t


Relief at the gas pumps – Part 2
2008-11-14 08:13:00
Have you ever wondered what exactly makes your automobile more fuel efficient?Check out these 10 fuel saving tips provided by gasbuddy.com! And be on your way to saving money with less gas consumption. 1. Avoid High SpeedsAs your speed increases, your aerodynamic drag increases in an exponential fashion. Driving 62 mph (100 km/h) vs 75 mph (120 km/h) will reduce fuel consumption by about 15%.2. Do
Read more: pumps

More relief at the gas pumps!
2008-11-07 13:17:00
In recent weeks, there seems to finally be some relief at the gas pumps .Here are some other easy ways to save more money at the pump…Applying for a credit card that offers incentives is one way to save some additional money at the pumps. JPMorgan Chase & Co. offers a BP Visa card that earns you 5% cash back on all fuel purchases from any BP location or 2% back on all other Ultimate Fuel loca


Bounced Check Fees are Ridiculous!
2008-10-31 13:46:00
We’ve all been there at one time or another… reading your bank statement when you notice that there’s an overdraft charge. Maybe you had an unexpected bill payment or you just weren’t able to make a deposit in time. Whatever the reason, it’s frustrating because it feels like you might as well be throwing money out the window. Perhaps there’s even two or three of those overdraft fees
Read more: Check

Is the cost of food eating up your budget? Part 2
2008-10-23 15:50:00
As promised, here are a few more tips for saving cash at the grocery store:On sale doesn’t mean you need it. Stores always have something on sale to entice customers to come in and shop. These items are frequently placed on the end of an aisle so you see them as you go by. This is where sticking to the list really comes in handy. Just because the item is 50% off doesn’t mean you need to buy it
Read more: budget , eating

Is the cost of food eating up your budget? Part 1
2008-10-17 12:58:00
While it may seem that food expenses are eating a hole in your wallet, there are ways that you can save on this household necessity.Here are a couple of things that my friend does when he goes to the grocery store…Eat before you shop. This is by far the most important thing you can do to save yourself from the temptation of buying more food than you actually need. Many grocery stores place their
Read more: budget

Getting back on your feet after a storm
2008-10-10 13:29:00
With the recent images of destruction caused by Hurricane Ike, it is easy to see that Mother Nature can be cruel at times. Thousands of dollars are spent due to damage inflicted by natural disasters - roads, homes and businesses all have to be rebuilt. Fortunately, there is assistance available. Short term disaster relief is always available through organizations like the Salvation Army, American


Finding your way out of a bad credit score
2008-10-08 09:34:00
The fastest and easiest way to a perfect credit score is to pay your bills every month on or before the scheduled due date. But even the most reliable bill payers can catch themselves in an occasional slip up. Take me for example, I recently found myself in a situation where my “Very Good” credit score could’ve been ruined for quite a long time - even years - just from one troubling event. T


Ways to Find a Secure Online Lender
2008-09-18 15:10:00
Financial emergencies can strike at anytime. They occur without any warning and happen to anyone - let's face it, that is just how life works sometimes. The ideal situation would be to have a nice savings account ready for those emergency situations, but unfortunately... that is not the case for most folks.There are some options out there for those needing cash in a hurry. There's the trusty bank
Read more: Lender , Secure

College Rules – getting your first credit card
2008-09-12 15:52:00
Your first day of college is such an exciting time. Meeting new people, rushing around from class to class and signing up for as many fun organizations that you can find, are all part of the college experience. But another part of college often involves starting your financial path and there’s always temptation to apply for a credit card. Before making the decision to apply for a credit card, as
Read more: College , Rules

Saving $100 a week is actually easy - seriously I mean it!
2008-09-03 07:44:00
If you think you can’t save an extra $100 a week, think again. Even in hard financial times, there are some easy steps that you can take that won’t eat into your budget. Pay yourself a percentage of your paycheck. It doesn’t matter if it’s 10% or 1%. As long as you put away some part of your paycheck consistently, your efforts will pay off in time. If you’re living from paycheck to paych
Read more: Saving

Cash Crisis Help - for ALL credit scores
2008-08-19 15:24:00
When it comes to financial emergencies, experts suggest having at least three months salary saved in the bank and $200 cash available in your home. But let’s face it… most of us aren’t that prepared and getting caught up in a cash crisis can be a stressful time for anyone who doesn’t have a plan in place. Fortunately, there are some easily accessible funding options that can help people ge
Read more: credit , Crisis , scores

Beat the heat, without beating your bank account
2008-08-07 15:09:00
Summertime is synonymous to fun, but one of the not so fun truths about summer is high utility bills. Cranking up the air conditioner and watering your lawn can add up to hundreds of dollars spent each summer. Some of those dollars can be saved with just a few quick adjustments around the house that may seem like obvious cost savers to some, but are often overlooked.When you leave the house, turn
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Never let your finances force you to eat unhealthy food.
2008-08-05 12:47:00
Eating healthy should never be a sacrifice, no matter what your financial circumstances may be. Eating from the dollar menu at McDonalds may have been an option for you when you were younger, but better food choices are a must as you begin to approach your 20’s and 30’s. Eating healthy isn’t always the easiest thing to do, and certainly not the cheapest. But, while it can be tough to find b
Read more: finances

Easy (and CHEAP) ways to keep fun in the family!
2008-07-29 08:28:00
In these harsh economical times, it’s easy to get down in the dumps about low cash flow. But it’s important to keep your head up and still make time to have some family fun. There are several ways to keep within a tight budget, while still showing the kids a great time. 1. Staying home for dinner and going out for dessert is a great way to save. If you really want to eat out, many family


I DO... promise to save money and still have a great wedding.
2008-07-16 08:46:00
With my upcoming weekend nuptial drawing nearer...and considering the average cost of a wedding in the United States is spiraling toward $30,000*, I’ve been inspired to provide some money saving tips for wedding costs. These days, couples are waiting longer to get married and relying less on parents to pick up the tab. And it’s never a good idea to begin a marriage with lots of debt. Luckily,
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Reducing Your Utility Costs Has A Savings Benefit
2008-07-03 08:36:00
During difficult financial times, we often begin to look out how we’re spending money. Cutting costs often means going out to eat less, wearing last summer’s wardrobe or settling for the generic brand. But you can also save a ton of money (and a ton of energy and water) just by paying closer attention to how you’re spending your time at home.Replace conventional light bulbs with the new ener
Read more: Costs , Reducing , Savings , Utility

Financial Documents: To Keep or To Toss?
2008-06-18 15:02:00
In this day and age of online banking and account management, it’s good to know what physical items to keep around in case of an emergency. On the other hand, there’s no point in having excess paper documents clog up your filing cabinet.What you should Keep Paper documents like a will, insurance and a retirement plan are definite keepers. If you haven’t already, you should keep these things
Read more: Documents , Financial

None of us are perfect, but all of us can save
2008-06-13 13:59:00
Let’s face it, none of us are perfect, especially when there’s money involved. I admit that occasional retail therapy can be just the thing after a really bad day, but then I get home and usually say, “What did I just buy?” and “What in the world am I going to wear with purple shoes?” It’s easy to rationalize purchases as they’re being made, but those purchases often lead to regre


The grass isn’t always so green…
2008-06-09 14:09:00
“To Have - is To Spend” is the philosophy for most Americans. We often find ourselves too caught up in keeping up with the Jones’ to keep up with our finances. We get lost in having the perfect car, a large house or fancy dinners. In the end, that behavior may leave you with a depreciating, gas guzzling SUV, a home you can’t afford or less than perfect credit scores.…But there are ways t
Read more: always , grass

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