Spending and Saving Archive

Typical banking services are designed to serve basic and perpetual financial needs. At the consumer level most people need somewhere to put their money so a savings account is fairly standard. Also, many people require …

Television used to be one of the cheapest forms of entertainment.  However, if you’ve looked at your cable bill lately, you’ll see that prices for cable have risen drastically.  If your cable bill has gotten …

More Government Ineptness:  The Appliance Rebate Program We can only hope that most states manage this program better than Texas did. The Appliance Rebate Program (ARP) actually is a good idea by the Obama administration.  …

Having an emergency savings fund is like having an insurance policy but without the need to pay monthly premiums. Your emergency fund is there to get you through any of the brick brats that life unexpectedly throws at you. …

Let’s face it, we all need to eat. It basically comes down to our survival. Do we need to spend a fortune doing it? No. Families need to become shopping savvy in order to keep …

After all of the big and important items have been implemented in cutting expenses in order to save money in your budget where do you go next? What are the things you can do to …

Shopping is the past time of many people, both men and women. It is fun and sometimes necessary. As in many activities, there are good habits and bad ones too.  Some shoppers have some very …

There is a new disease in America that is quickly spreading. This disease resulted in the loss of jobs, divorce, loss of possessions, and even premature death in the lives of it’s victims. The disease …

Economic times are tough and coupons are one of the easiest ways to save money. However, buyer beware. Manufacturers are smart. Coupons entice you to buy unnecessary goods if you are not careful. Here are …

Local food carries with it many benefits, in particular increased nutritional value, leading to overall healthier food. In addition to the health benefits, there can also be a great financial benefit to eating local, in …

In order to choose the right Internet bank, you must first determine what it is you are looking for in a bank. An Internet bank is one that is only accessible online so for most …

School bells are ringing once again, and that means that it is time to shop for school supplies and school clothes. School shopping can take a big bite out of your budget if you are …

Having easy access to your cash is extremely important, even in an age when electronic payments are becoming more prevalent. Money can be withdrawn from the counter of your bank branch but it’s obviously much …

Getting a new car is costly. If you get a brand new one, its insurance and registration costs are expensive. If you get a used one, you may save a little on insurance and registration …

Children need a healthy balanced diet in order to function at best to be able to learn and grow. It is important to pack a healthful and nutritious lunch that will provide energy for the …

Coupons save the consumer money, when used in purchasing items in the grocery, department, or even discount stores. According to www.businessknowhow.com, coupons increase business for a store. The site states that 87% of all shoppers …

Every year, when we approach its end, we always can’t help wondering how we can enjoy a pleasant holiday season with our family without spending too much money, especially in a recession year. In fact, …

The biggest secret to following a budget is: Write it and follow it. Sounds simple enough but the truth of it is if everyone did it then there would be many more rich or at …

Saver’s remorse is the feeling that sets in when your mind lingers over something that you could have bought and turns it into something that you should have bought. Roughly the opposite of buyer’s remorse, …

The answer is a conditional yes. Conditional because savings has different meaning for different people. However, usefull-ness of savings from couponw is dependent on several factors. Let us describe them briefly – 1. Type of coupon …

The Texas Appliance Rebate Program is a special energy efficiency savings program initiated by the Texas Energy Department, which provides financial incentives for residents of the state to purchase Energy Star-class appliances when they are …

Fees, surcharges, and taxes appear on all matter of bills. From cell phones to electricity, from garbage collection to credit cards, bills come laden with so many “extra“ costs that it can be hard to …

WaMu (Washington Mutual) WaMu has been in business since September 25, 1889. Their headquarters are located in Seattle, Washington. They currently have over 2500 branches through out the United States. Washington Mutual is the third …

Banks can be difficult do deal with. They’re conservative and often it’s confusing how to use the chain of command, and frustrating when each of two departments refers you to the other. It’s possible to …

It seems to be some kind of cosmic law that a financial emergency will inevitably occur either when you can least afford it or after you have gotten some sort of bonus clearing it away …

We have all been customers in stores, we have seen the prices change and dealt with the never ending lines. We’ve even seen the politest of associates and the rudest. While it’s not entirely up …

Furnishing your home, can be an expensive business. Finding furnishings that we like can be fun, but affording a home makeover in these credit crunch times can seem almost impossible. However, with a bit of …

Whether in the thralls of economic recession or enjoying financial prosperity, no one wants to pay for television. Television has become so mundane that some people can’t seem to imagine life without it. This feeling …

When an exceptionally wealthy business man was asked on television the other day if he did it for the money, he said no, money is just a way of keeping score. Money in this day …

Saving can be a hard habit to adopt but the rewards of building a healthy financial portfolio are too great to quantify. Of course, your personal outlook has a direct impact on your attitude towards …