Spending and Saving Archive

For millions of Americans and millions of other human beings worldwide, it is an unfortunate fact of life that society seems to run on money, and concerns such as how to live cheaply form the …

Dishonoring a check occurs when a bank refuses to allow the payee of a check to exchange or deposit a check for money. In most cases, checks can be cashed or deposited with no problems …

Grocery shopping can be a huge expense these days but it doesn’t have to be. Having a plan and putting a little more thought into purchases can save money on grocery shopping. Be prepared  Being unprepared …

How do you give to charities when your income is so limited that you yourself need help from a charity once in awhile? There are many ways to give to a charity, other then giving …

When a person is broke, he/she needs a vacation to avoid being depressed. Finding the money for the vacation is tough, but it is not impossible. Here is how you can get money for a …

The question of whether or not cutting coupons can save you money at the grocery store is not debatable. The fact is if you cut and use coupons wisely you will save money at the …

Budgeting is a crucial part of any financial success and is a necessary skill for survival in today’s economy. No company can be successful without a financial strategy and likewise no person can be financially …

Whether you (or your spouse) lost a job, added a mortgage, have become swamped by bills, plagued by taxes, have added a child, or are saving for college, there are many ways to adjust to …

Here are three steps anyone can take to teach their young children to be money smart and develop empowering financial habits. Step one: Use stories and songs to start the process early! This is something …

Saving money and saving money effectively are two entirely different things. Consistency has to be present in order to ensure that savings goals are met. When there is consistency you make savings a regular habit …

Together with bathrooms, the kitchen is the other area in the home that will benefit from upgrading. However, what if a limited budget restricts you from having a complete kitchen refit? Don’t worry, there are …

Reading can be a great hobby, but it can also be very costly if you purchase many books. Fortunately there are many ways that you can still enjoy books and add to your collection without …

Being assessed an overdraft charge can be frustrating! When your bank takes any extra fees from your account, it can throw off your budget and keep you from buying things you had planned on. There …

In this day where jobs are scarce, home prices have fallen and the cost of fuel and food have gone up, many families are looking at ways to save on the food budget. Surprisingly, there …

The term “conspicuous consumption” was coined over a hundred years ago by an economist and sociologist to describe the behavior of the noveau riche and how they enjoyed their new found wealth.  Since then, the …

Tired of sitting in the smoldering heat instead of being comfortable in your own home? Afraid of turning on the central air for fear of that dreaded jump in energy costs that will be showing …

With the rise of Macklemore’s Thrift Shop, a song about “popping tags” and getting good deals at thrift shops, you are probably reconsidering how much you spend on clothing.  Although it may not be possible …

For some, coffee is a luxury; for others, it’s a necessity.  Whether you simply enjoy the taste of a good cup of joe or you can’t wake up without it, there are several ways that …

Online bill pay services are a fast, convenient, and an inexpensive way to manage your bills. Put aside concerns about security or fraud: Online bill pay can be safer than traditional methods because mail can …

It is always a good idea to save some money back from each paycheck. Sometimes people make the mistake of living paycheck to paycheck without saving anything in between. This “might” be fine for some …

The apartment hunting process can be difficult. There are many things that need to be taken into consideration for instance, amenities, parking, size, and location. However, the most important thing you need to look deeply …

As a consumer, it is really easy to get sucked in by all of the traps and marketing ploys that grocery stores use to get you to buy more. Everyone needs to eat, so they …

Freebies are products companies give to consumers at no price. Long before the establishment of the Internet, many companies handed out freebies in stores, provided mail-in offers and other ways to distribute their products. Giveaways …

How to recession proof your wallet. We have all felt the pinch of the recession, some have lost their jobs others their home and for some both and for some the pinch hurts a lot …

Many people make the mistake of trying to buy a house without having a down payment ready. They think that it is not absolutely necessary (especially with rates so low, they think they can’t afford …

It used to be in the old days that men made the money, and then controlled how it was spent. It was all very simple and easy for everyone to understand, though clearly not fair …

Most people are looking for ways to cut down on spending and up their savings ratio, but it isn’t always easy to work out what can go and what is a necessity. Cable TV, for …

Here are 6 good ways to avoid checking account overdraft fees. Today’s reality may become tomorrow’s grief.  Banks and credit unions are a money oriented business, based on your account.  The best example is how …

Is is possible to adjust to living on a smaller income? Well, that depends on the individual. If it is for survival I hope your common sense kicks in and you are able to make …

Saving energy and money at home is rather simple if you pay attention to what you are doing and the rates that you are being charged by the local electrical company. There are a couple …