Some tips for using Dave Ramsey’s Cash Envelope System when you’re budgeting your bills for the month. Finally, you’ll have a handle on how much you can spend, and how much you need to save to get through each month.
Budgeting Tips & Debt Relief
Some great tips for stretching a dollar and getting by when times are tough.
Coupon trains are when a group of people gets together in an effort to share discount store coupons. The 1st person — the conductor — cuts all coupons from the paper and takes what they need. They pass the other unwanted coupons to the 2nd person who takes what they need from the coupons and then adds their unwanted coupons to the pack… and so on. But are coupon trains legal?
Title Loans and Pawn Shops… there are other ways to get money fast, you know!
There are good reasons to have separate finances and there are also good reasons to have joint finances. Here are some of the benefits of having separate finances, compared to the benefits of combining finances when you’re married.
Because we have high-speed DSL through our home phone line, I have been ignoring the high amount we have been paying on our home phone. However, even with DSL, $120 a month is just too much to pay for a home phone when your household already has 4 cell phones. Here’s what I did…
if you just can’t afford all of your expenses, the best thing you can do for yourself is to let something go — which can mean downsizing your home, moving into an apartment, or giving up a car. The result of letting go is a better relationship between your debts and your income. You’ll find a comfort zone that you can live with — day in and day out.
Save money for your future… increase your retirement savings… start investing… but when is it too much too soon? I realize this sounds a bit crazy. But for many, saving at all costs means running up credit cards for basic living expenses. What’s wrong with this picture?
If taking better care of your hard-earned money is one of your New Years resolutions, I’ve listed 10 ways to help accomplish it. Getting a hold of your personal finances will not only help save money, but it will help control debt and plan for the future.
Home phone service is one way to cut costs. As cell phones have increasingly become the main method of communication, home phone service has gone out of date. While the reliability of home phone service is greater than that of a cell phone, depending on your situation, a cell phone will usually suffice. In this article I’ve listed the factors to consider when deciding whether or not to keep your home phone service.
The following commercials were produced by the Ad Council. It’s part of their ‘Don’t Almost Give’ campaign. The story behind the ads is quite interesting, too.
If you’ve switched employers since you’ve begun working, you may need to locate an old pension plan. This is not easy, but the tips given in this article will make the processes much easier.
The Simple IRA is a retirement plan utilized by small businesses which has low annual costs and minimal reporting requirements
Discusses the advantages and drawbacks or Roth IRA and 401(k) plans as they pertain to investments related to your job.
Establishing a safety net savings account also known as an emergency fund is the first step in creating a solid financial plan
You may be able to save a lot of money each month by simply bring your lunch otherwise known as brown bagging it.
We discuss the features of SEP IRAs along with the advantages and disadvantages of using a Simplified Employee Pension.
Spend less, save more: Two ways to control your impulse spending and take control of your savings.
Bank of America has started a new ‘kickback’ program. It’s a fairly lucrative deal. But it might be a better deal for the bank than for you. Here’s the scoop…