Spending and Saving Archive

A budget is important to know how much money you have coming in and going out each month.  Divide your expenses into different categories and allocate a certain amount to each category.  If you find …

“Free Trial”! We have all seen these advertisements online. Some of you may have even tried these programs claiming to shed pounds, grow hair, or become rich. Some of you may have even become ensnared …

To live on one income might not be an easy thing to do. But it can be done by following the right tips and sticking to a strategy. For instance, how can a father with …

I do not consider myself a bargain shopper. I love a good deal, and I love to pay less than a fortune for high quality, but I rarely scour the town for deals. There are …

I am a self professed expert at living on one income, having been a single parent of three young children for 14 years on and off, and at the same time being the only provider …

Charity frauds have become a growing concern especially with the advent of technologies such as email, mobile messaging and internet. These scammers will exploit the emotional outpouring from generous people and siphon their money for …

If you write a lot of letters, do a lot of mailing for your business, or have ever had a wedding, you know sending out mail can be quite expensive over time. It might not …

There have been conflicting media reports since the recession that the consumer has begun to tighten his or her belt and started to save more. However, statistics from various public and private agencies suggest otherwise. …

The Internet has made life much easier. Over time, the Internet has connected the world, creating a more globalized community. Information is available instantly, vacations can be booked with a few simple clicks, and you …

Many families are faced with making their income dollars stretch further than ever before in today’s economy.  Whether you are out of work, forced to take a pay cut, on disability, or simply find that …

It’s natural for people to want to maximize the earnings from their bank accounts and a key part of this strategy is to transfer surplus funds into high interest (and ideally tax-free) savings accounts. However, …

Considerations when opening your first bank account will vary depending upon both your individual circumstances and the way in which you wish to use the account. The process need not be a lengthy or complicated …

Joint checking accounts are a common way for people to connect their finances. There are many benefits to setting up an account this way and account holders can enjoy these advantages. That being said, there …

Your home office or the table by your front door can go from a nice and tidy space to a cluttered mess with one quick trip to the mailbox.  With the included advertisement sheets and …

Many like the freedom of online shopping. There is no long line or crowded stores to tire you out. You get to shop from the comfort of your home. All you have to do is …

To use cash or to use credit? That seems to be the question that millions of people living around the world ask themselves. There are pros and cons to using cash, and there are pros …

There are lots of ways to save money on your regular shopping trip. Come equipped with all the money-off coupons you have been clipping from your magazines and newspapers and saving during the week. You …

When I divorced for the first time, my children were three and six, I had $17 to my name and my income was a whopping $30,000 annual gross. Living in a very high cost of …

Avid investors often use Certificates of Deposits (CDs) as an investment vehicle. CDs are common bank and credit union options which will offer stable income based on defined interest rates. This article may help you …

The weekly grocery shop is becoming more and more expensive, as food prices are constantly on the rise. With food prices being higher than ever, the grocery bill can be shocking and worrying. Supermarkets trick …

Here are 7 quick and easy tips to help you save money. No matter what your financial situation is, it is possible to save at least a little money with some of these tips. There …

Are you on the verge of drowning in a sea of disorganized, unpaid bills, and threatening your credit rating too? Or maybe you leave your receipts scattered around the house, gathering dust, knowing that they’re …

Americans are often considered to be big money wasters. Between buying large gas guzzling cars, and going out on a regular basis for their morning Starbucks, they are often considered to be the kind of …

Gas prices have increased almost a dollar per gallon in the last 12 months.   Most experts predict that drivers will not see any relief at the pump any time soon. Gas prices are expected to …

Most of us spend a lot more money on shoes than we need to. Most people don’t like to buy used shoes, and think that they are getting good deal buying new shoes. But, there …

The kids are out of school and the temperature is rising everyday. What does it mean? This can only mean one thing; Summer must be here! This is many people’s favorite season. And why shouldn’t …

If you want to get out of debt and stay out of debt for life, budgeting is essential. All the same, merely having a budget isn’t quite enough. You have to have a budget that …

If you think the pre-Christmas sales are fantastic, then you really need to check out the after Christmas clearance sales! These are the sales where merchants are trying to get rid of all of the …

Teaching children to save their money is a gift that can produce benefits for their entire lives. While it may seem daunting to impose willpower and discipline over the impulsive nature of youth, the value …

It is never too early to teach your child how to budget, even if the only thing they have to budget with is their allowance money. In fact, instructing your child in the art of …