Spending and Saving Archive

Preparing your child a school lunch can be an every morning hassle or it can be a breeze with just a little smart planning. Don’t get bogged down in the sandwich rut, use your imagination …

The reason checks are becoming obsolete is quite simple. Technology. That’s right technology. It is much easier to use a debit card for purchases made out of your checking account. One could also use the …

CITIBANK Citibank is one of the world’s largest banks with over 200 million customers in over 100 countries. Citibank was established in 1812 and changed hands four times before 1910. Citibank merged with Travelers in …

Want to cut your spending, yet still enjoy yourself? I’ve got two methods that will both lift your spirits and keep money in your pockets. So get yourself a pen and paper. You’ll need to …

Before we get into the ways you can lower your electric bill, let’s talk about the complex electrical measurements and devices used to determine your bill. Your electric meter monitors and registers the amount of …

The term Going Green is a phrase that brings different thoughts to different people. If your one of the many who hears it and thinks of radicals being chained to trees and holding signs at …

Going shopping these days seems a little like getting gas for your car. People are always looking for ways to save even a few cents on items if possible. Most retailers are loathe to tell …

How can teenagers change their spending habits?  The reasons people spend money are #1: needs (food, clothing, shelter), #2: security (health care, insurance, savings), #3: influence (inspire, identify), and #4: prestige (status, glamour, impress). Parents …

Losing your job can be a scary time in anyone’s life, the emotion alone can set people on the road to depression or making irrational decisions. It is important to get a grip on your …

With hundreds of online banks competing for your business, it can be difficult to find good online banking interest rates. There are a variety of websites which provide updated information about current interest rates. Use …

The advantages of paying with cash far out weigh the calamities of paying with credit cards. in essence, a credit card is a convenient  I.O.U. big time with interest attached.  Using cash, instead of credits …

10 Simple Ways to Save Money We all overspend occasionally. When we reach the point of throwing money away on a daily basis, we need to take a close look at where it’s going. Eating …

If popularity is measured in the number of emails received daily then I should be extremely popular, however, there is a flaw in thinking that way. Spams have run amok. They have taken over the …

People have been living beyond their means for far too long, relying on easily available credit without taking into account whether they would actually be able to pay it back in the future. Bankers were …

Getting out of debt is a challenge. Staying out of debt is a commitment. Sure you can pay off your old debt and get your financial life back in order, but what will keep you …

The majority of us, in the Western world, are profligate with our spending. We have so much choice as consumers and are constantly bombarded by advertising imploring us to buy the latest must-have accessory to …

Overdraft charges are typically triggered when an individual’s checking account balance drops below their agreed overdraft limit or below zero if there is no agreed overdraft attached to the account. Incurring overdraft charges can be …

There are a number of things that you can do to avoid or minimise charges that you incur on your bank account. These include: 1) Ask for an increased overdraftCharges apply when you exceed your …

Getting grocery coupons is easier than using these coupons effectively. This is why you need to learn how to use grocery coupons to save your money. Many people use grocery coupons to add more items …

According to the 2005 U.S. Census Bureau report, there are 37 million Americans identified as poor, up from 35 million in 2002. The Federal poverty definition of poverty is $10,210 for singles, $13,690 for couples, …

For most people, their home is their most expensive asset.  When you are trying to sell your home, it is important to get the most money that you can.  There are several ways you may …

Shopping is an activity that a lot of people love. It brings a feeling of satisfaction, relaxation, and comfort. For some, shopping is a form of therapy, a way to overcome stress and get away …

Getting fit certainly doesn’t have to cost the earth, despite what the fitness industry would like you to believe. You may have seen those infomercials where there is a picture of an overweight woman before …

Being a teen is often a time of new experiences and exploration.  It’s a time to try new things all the time as well as having the time and freedom to do so.  These are …

Accept no substitutes. There are many pretenders taking on the pound moniker but this one is the real deal. Forget your local high street pound shop, on the whole they will sell you junk, forget …

There are far too many of us who ignore the basics of personal budgeting and make the whole process far more complicated and less likely to succeed than it ever need be. The basics of …

In today’s world you want to save money where you can. Commuting to work can burn a hole in your pocket without you even realizing it. There are many ways to save money commuting to …

There are so many ways to reduce your telephone bills. Here are a few tips: 1. If you have a cell phone, ask yourself do you need a land line? If you have a cell …

If you’re doing the 8 to 5 thing, or something similar, you know that having a decent lunch on a regular basis can be a rather daunting challenge. The same food day in, day out, …

We live in the modern age of electronic gadgets, cheap mass production and consumerism. All of which have contributed to a massive increase in the demand for products however the cheapest option is not always …