Spending and Saving Archive

It is always a good idea to have money in an emergency fund. You never know when something will happen.Without an emergency fund a hard time personally can become devastating financially. Unemployment  At the beginning …

There are so many ways you can make use of gift cards. As the retail industry continues to expand worldwide, people are finding themselves looking for ways to use the abundance of gift cards they …

It sometimes becomes difficult to manage our income and expenses and soon we get hit by the fact that we are spending more than we are actually earning. This means we enter a stage of …

It’s amazing how much money we can save on monitoring the little things.  Saving big on the little things is only part of the picture, though. It’s surprising, however, that the little things can add …

Many people attest to the fact that the hardest part about being an adult is having to be responsible with money. While it might be fun blowing money on fun things, not having a roof …

An overdraft occurs when customers deplete their bank accounts to the extent that it has not only no funds left but also has a negative balance. This immediately equates to an unauthorized loan which will be …

Checks are still very much a part of everyday financial transactions. While it is true many banking options have gone electronic, paper checks are still very much used and valid for collecting and paying funds. …

There are dozens of different options for you to place your savings, and the number of competitors in the online savings banking business seems to keep expanding. Amboy Direct’s Premium Online Savings Account is another …

A home of ones own is a common aspiration, yet also a costly responsibility. Rental payments are swapped for mortgage payments, plus the associated costs of home ownership that include insurance, property taxes and on-going …

As Main Street Americans continue the slow climb out of “The Great Recession” more and more families are shying away from credit as the way to fund trips and treats. As the move to save …

Perhaps you’re living on one income out of necessity – one partner lost a job or is handicapped – or by choice because one wants to stay home with the children. If you were used …

Product loyalty programs are offered by different companies usually for a limited time. These programs allow you to collect and redeem points or code numbers and in return, you get rewarded for purchasing the products. …

“Going green” is a widely talked about issue in today’s day and age. The idea of “going green” first emerged as a potential method of combating global warming and saving our dying planet earth. However, …

In case you haven’t noticed, there’s a bank war out there. Banks are offering all sorts of bells and whistles to attract customers, but what’s actually going to save money, and what is a come-on? …

“Oh, no,” you’re thinking. “It’s that time again.”  You are out of everything in the house, and you need to go to Walmart. But the last time you went it was a disaster, and you …

Overdraft protection can be a great feature to have on your checking account, but it can also become costly if it is used too often. Overdraft protection can also lead one to believe that they …

Money, aka the hardest item in life to hold onto.  A two year-old trying to hold onto a lollipop, while hanging upside down on a trapeze swing at Cirque du Soleil, doesn’t have as much …

Having a bank account is always a good idea despite your financial status. “Poor” is a definition that can vary from person to person. If you are struggling to survive, financially, and sustain your daily …

Online banking provides a perfect opportunity for people to stay close to their finances and can be a big help for those who wish to take control over their financial affairs. Using online banking has …

In many internet related transactions, the person or the user needs to provide authentication information in order to gain access to their financial assets. According to a report published by the Financial Institutions Examination Council, …

Having an emergency fund, or a savings account of some kind is one of the most important financial decisions a person can make. While it is possible to survive without an emergency fund, doing so …

Sticking to a budget involves keeping records, improving decision-making, and making long-term financial plans (Northcott & Doolin, 2000).  Establishing a budget is part of the process of managing finances in the home by matching income …

Furnishing a house can be one of the most expensive projects people undertake. Even the most basic items such as beds and white goods can prove a struggle when money is tight. Help is at …

A family earning $150,000 in the United States would be considered very comfortable for people from many areas of the country, including lower New York, which has some of the highest costs of living in …

Why is it, that in this day and age, children complete their formal education with little or no knowledge on the simplicity of saving? As a parent of teenagers, I’m amazed at the number of …

There are more than five places to find inexpensive furniture, if you count the hand-me-downs of family and friends who help you set up housekeeping. They may offer items that do not exactly suit your …

While most financial advice starts out something like this: “to find financial freedom, you must create a budget”. Over and over we hear about the importance of budgeting and tracking our spending and it’s a …

Online bill pay is a great way to save time and money. By paying your bills on-line you can save time by not having to go out. You can do it all right from the …

One of the tell-tale signs that you are not managing your finances very well is when you often find yourself at the tail-end of the queue at the automated cash dispenser machine. It would be …

You’ve spent months getting ready in anticipation of your little one’s arrival. While it has been fun preparing the nursery area, picking out those adorable infant outfits and stocking up on baby supplies, when you …