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
Making Ends Meet: Tips For Getting Through A Rough Spot
Some great tips for stretching a dollar and getting by when times are tough.
A Word Of Advice Before You Ride That Coupon Train…
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?
Are Title Loans and Pawn Shops Worth It When You Need Fast Cash?
Title Loans and Pawn Shops… there are other ways to get money fast, you know!
Married Money Dilemma: Should You Maintain Separate Finances In Your Marriage?
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.
Is Your Home Phone Bill Out Of Control?
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…
Too Much Stuff & Knowing When to Let It Go
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.
Have You Started Saving Too Soon? Have You Paid Off Your Debts First?
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?
10 Ways To Take Better Care Of Your Finances This Year
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 It Necessary?
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.
Thinking About Donating To Charity?… Don’t Almost Give
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.
How To Find A Lost Pension
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.
What Is A Simple IRA?
The Simple IRA is a retirement plan utilized by small businesses which has low annual costs and minimal reporting requirements
401k vs. Roth IRA Retirement Accounts
Discusses the advantages and drawbacks or Roth IRA and 401(k) plans as they pertain to investments related to your job.
How To Create An Emergency Fund Or Safety Net Savings Account
Establishing a safety net savings account also known as an emergency fund is the first step in creating a solid financial plan
Frugal Food Tip: How To Save $300 A Month By Brown Bagging It For Lunch
You may be able to save a lot of money each month by simply bring your lunch otherwise known as brown bagging it.
SEP IRA – A Way To Save Money On Your Taxes If You Are Self-Employed
We discuss the features of SEP IRAs along with the advantages and disadvantages of using a Simplified Employee Pension.
2 Simple Tricks To Save More Money!
Spend less, save more: Two ways to control your impulse spending and take control of your savings.
Keep The Change: How Bank of America Rounds Up Purchases and Puts the Difference Into Your Savings Account!
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…
