Spending and Saving Archive

In todays society it is hard to get by without a bank account. Most employers prefer to direct deposit, and this is a quicker, easier way to access your funds. It’s easier to pay bills …

Do you enjoy playing the lottery? A lot of people enjoy playing some scratch off tickets, or maybe buying a Take 5 every so often. While a scratch off game every so often is nothing …

It is remarkable how many young adults enter the work force or arrive at university without knowing the first thing about how to manage their finances. The result is that many struggle to control their …

Commercial banking is a field in which services are provided based on an individual or businesses financial capacity and ability. In other words when lending money banks look for several things to ensure their money …

Be honest about whether this has ever happened to you: you run into your local department store to get a loaf of bread and when you look down you’re pushing a cart full of merchandise. …

These days it seems to be increasingly difficult to hold on to your money. Working never seems to bring enough of it in and going out deprives you of too much of your hard earned …

The cost of living is defined as the average cost of the basic necessitiesof life such as food, shelter and clothing. These are your basic needs which are what a person has be concerned about. These necessities …

Some states offer tax free weekends where you can make purchases without having to pay sales tax. Each state and city has different rates of sales tax, and in some cases it can add quite …

There are lots of ways whereby you can reduce your living expenses. Of course the first one is to spend less and buy less. We need things like food but we probably do not need …

The British economy is supposedly working it’s way out of a recession at last and according to the government we are supposed to start spending to help it on it’s way. How do we spend …

Bank of America DOES have a variety of checking accounts. They have student banking, my acces checking, ebanking and a couple of others. From my own personal experience, please do not bank there. One of …

Don’t throw out all appliances and buynew ones. Wait until they wear out before you replace them. Spend your money of new carpeting, new cabinets, window designs and wall paints and such. Of course before any remodeling …

In a tight economy, many families, couples and singles are looking for a creative way to stretch their dollars. If you are new to using coupons this article can probably save you at least forty …

Perhaps one of the cheapest methods of making long-distance phone calls is to secretly make them at someone else’s home without them knowing. Of course that would be a nasty thing to do, but that …

When you are inundated by a deluge of monthly bills it can be difficult to keep track of them all unless an organized system for dealing with them is put in place. As the brown …

Have you ever received a gift from a friend or family member and the gift was so awful and unsuitable for you that you had to force yourself to say thank you?  If so, you …

The recently concluded economic crisis which directly struck the United States has had crippling effects to average American citizens. With millions of jobs lost and thousands of homes foreclosed, recovery from such financial disaster is …

I remember the first time that I was given the option to pay my insurance premium by automatic monthly draft. Frankly, I was not sure that I wanted that to happen. It went well in …

It’s no secret that buying in bulk is usually the way to go to lower costs, if you are careful to check out the “bargains”, and you have some method to keep and store your …

Electricity costs can skyrocket during the cold winter months, making mouths drop wide when they receive their electricity bills in the mail. Fortunately there are many easy, do-it-yourself ways to cut costs of electricity at …

Bank of America offers several options for checking accounts, with an approach to tailoring accounts to suit clients’ needs. MyAccess Checking is a versatile account that  includes the Visa check card, unlimited check writing, and free …

Eating out can be a very expensive business if we are not careful but the good news is that when we are considering how to save money on eating out, there are quite a few …

When most of us think of banks we probably picture the standard high street banks, such as Wells Fargo, Bank of America, HSBC, and NatWest. We see their branch infrastructure and know that they offer …

It is a component of good parenting to teach children the financial facts of life; how to earn and save money. Children who master wise money management potentially carry those ingrained habits about spending and …

Yes Coupons can and do save you money if you are careful to use them correctly. Here are my tips. Only cut coupons for items you use or are thinking of trying. Too many coupons …

Many people are obsessed with the thought of saving a few extra dollars on groceries. This has resulted in the popularity of warehouse clubs. Before jumping into this bandwagon, it is advisable to look at …

Live with less in order to save more money. The best way to save money; is not to spend unnecessary money. Cut corners in every way that you can by being a penny-pincher, because saving …

Having overdraft protection at the bank is a very wise decision, but there are charges if you still overdraft. The best tips for avoiding bank overdraft charges are to budget accordingly so that you can …

The dreaded tax season is upon us.  According to the Internal Revenue Service, 90 percent of Americans receive some sort of tax refund.  Despite whatever amount you get from the tax man, you should think …

Do not buy cheap things, buy good things cheap! Repeat that mantra every time you go shopping and you will not be tempted to pick up a ‘bargain’ just because it has been advertised as …