Spending and Saving Archive

Debit cards have become one of the most popular modes of payment in the modern world, and according to financial experts debit card withdrawals and payments have surpassed the use of credit cards, cash and …

Having a cash crunch? It happens to most of us occasionally. A couple things I’ve realized are 1) Worry doesn’t change a thing, and 2) It’s unlikely I’ll win the lottery. I’ve also learned that …

Should you keep all your money with one bank? Well it comes down to the individual. Keeping your money with one bank has pros and cons. Most people usually keep their money in one bank, …

A simple answer to this question is that it depends: A cash back advantage can be good but often raises the price a great deal on an item. For example, I know that at the …

Great! You’ve made the decision to purchase a personal financial software package to track your finances. But, before you go to your local office supply store to buy one there are some decisions that you …

In a poor economy, with the collapse of interest rates, it is very difficult to save money in the bank. If you look at interest rates of most banks, you will see most likely rates …

Many people are on a tight budget. However, in order to break out of the norm and achieve success, you have to take a chance, a true entrepreneurial risk. Ninety-nine percent of the time, you …

The Deutsche Bank is leader of the German Banking market, with net assets estimated to be at the 1,000 billion Euros mark as the second biggest bank in Germany is the Hypovereinsbank. The public sector …

Whether to keep all your money with one bank or spread it around is a debate which has taken on monumental new significance in the wake of the events of late 2008 which led to …

At the core of any upswing or downturn in the economy is consumer spending. Consumer spending feeds every aspect of the economy, including agriculture, transportation, manufacturing, retailing, and finance. During good economic times consumers have …

Seven tips on how to save money Saving money is on everyone’s mind these days. We are constantly being asked to do more with less. Average annual increases are not enough to meet our growing …

Everyone has financial goals whether they realize it or not. That new home, new car or even that obscenely expensive pair of shoes are all things that fall under financial goals. The problem is that …

It’s good to talk but it’s also very easy to run up a big phone bill. If your costs are running too high, then here are some simple tips that will help reduce them: 1. …

With the cost of living spiraling ever upward, it’s a job in itself to save money and make ends meet, but it can be done. I have lived on a proverbial shoe string for most …

Auto repairs can be expensive.  There are many different kinds of repairs that your car or truck may need over its lifetime – maintenance repairs, preventive maintenance repairs, emergency repairs, etc.  These repair bills can …

Many parents are starting to plan their shopping trips in preparation for their children’s return to school this coming fall. As they start to write their lists of items their children will need they may …

It’s hard getting used to not having a reliable land line phone sitting patiently nearby. But if the truth be known, many seldom use the land line and rely on their more convenient cell phone. …

I’m not going to go into the wasted paper of monthly bill/checking statements as that seems to already been touched on, but I’d like to focus on one thing: how many people I know that …

Christmas time can be an expensive time of year. There can be many items that you need to buy, outfits to purchase, and guests to visit. It doesn’t help that shops can be so beautifully …

Nowadays you have in your hands all the controls necessary to save more of your precious time. Get into online banking as much as your bank will allow you to do so. Most banks have designed …

 A slow economy with low interest rates for financing trickles down to low interest rates for interest bearing accounts such as certificate of deposits.   Interest rates for certificate of deposit products with terms less than …

The next time you walk down the street, ignore the sound of traffic and look around – you will hear money talk. And the sound will be deafening.Yes, wealth has a language too. Spend, invest, …

Rebates: A Worthwhile Venture Versus An Exercise in Futility For some people including you, it may appear that rebating, or pursuing rebates on purchases, is a worthwhile venture. It may also prove to be an …

Tired of spending $10 on lunch at the sandwich shop by your office? Feeling cheated when being charged $10 for a cheeseburger at your local pub on Saturday? Feeling like you are spending way too …

You don’t have to stop enjoying yourself just because the economy has turned sour and there’s not much money to spend. There are so many ways to have fun with less money. If you’re like …

The prepaid debit card is a fairly recent invention of the credit card companies, its rise in popularity aided by the tough economic times. Billed as the solution to those with credit too poor to …

Social commerce moves into prime time this holiday season, so shoppers should use it to help them avoid the rush. For the first time, shoppers’ friends are involved in buying decisions as technology works to …

Depending on how you use it, a credit card can either be a positive or negative tool in your financial life. There are some ways to use it to work in your favor. Many credit …

Becoming great at reducing personal bills is an acquired art. People will have to pay their own bills for many years to learn how to apply a strict budget while still having a good level …

Properly endorsing a check to a third party involves passing over of a check to a party other than the person or company to whom the check is originally made payable. Not all banks accept …