Spending and Saving Archive

They key to living well on a budget is prioritizing. By skipping the things that aren’t important or finding cheaper substitutes, you can have room in your budget for the little luxuries that mean a …

Times are hard for a lot of people right now. People have lost their jobs, or had their hours cut back due to the recession. So how do you overcome all of these obstacles and …

Raise your hand if you would like to make money as you spend it. It looks unanimous. If you will follow my simple pointers, you will. Checking Prices One of the first things I do …

Staying warm is one of those very animal instincts that we can all relate to. You can stay warm, with minimal expense, if you think about it and inform yourself.  Insulation can be very inexpensive, …

Among the reasons why you should have a bank account, access to banking services must top the list. Unless you are a hermit living alone atop a hill, the need to receive payments for services …

You could argue that handling personal finances electronically is a wonderful thing. Agreed. Paperless means no more deposit slips or envelopes at the ATM. No more holding up the other customers in line while you …

There are some people who are convinced that it is impossible for them to save money, because their budget is so tight that they are just barely getting by.  To start saving, it is not …

Many people do not know how to be good consumers. They have bad shopping habits that they cannot break. Often enough, they are not even aware of their bad shopping habits. However, if certain tips …

Everyone has been in this situation at one point in time or another. Its a week before pay day and you have bills that are coming due and some shopping you cannot afford to get …

Many think that the line that separates wealth from poverty is a thick line, but in fact there is a very thin line in between both. You may think that money or assets are what …

Have you ever came across that one individual that thinks that everything that they want in life should be handed to them and that they should do both nothing in the beginning to earn whatever …

When festival spree is in the air, people get  busy shopping and spending. This is the time when monthly budgets are at risk of holiday overspending. It is natural to get carried away with all …

The best way to save money is to make a budget and determine exactly what you require to live. You need to know what you owe and to whom. Once you know these figures, you …

Saving money on electricity is easier than you think. With the power companies raising charges almost every couple of weeks, we all want to save money on electricity and put that in our pockets, and …

The internet has revolutionized the way we transact business today. We can now shop for almost anything we want, communicate with clients all over the world and make digital financial transactions among other things. One …

With the economy being worse than ever, most people struggle to make ends meet. For many of them, living cheaply is associated with living a life of poor quality. This is not necessarily the case …

The best way to spend more than you earn is all wrapped into one word, some of whom consider it to be dirty: Budget. The way you determine what your budget should be is what …

Signing over a check to someone else is a way to transfer money to another individual. Despite the fact a good percentage of the population has converted to electronic banking, statistics published by Pew Research …

Most people consider checking accounts to be an essential component of financial prudence in today’s world. They are simply viewed as a federally insured alternative to hiding money in a mattress or keeping it in …

There are many reason people overspend. Most of the overspending has to with convenience. Overspending in this economy can cause a whirlwind of problems. Overspending is the reason the economy is in the recession. The …

Planning meals for less than $50 a month isn’t too hard, but it does take some work. The key to doing this successfully is to plan meals around several basic meals that feature in season …

One of the often overlooked options open to homeowners wishing to cut back on expenditures begins with the purchase of food items at the grocery store or supermarket. Coupon clipping and scanning grocery ads for …

Often times in life its the little things that make a big difference. When you take a closer look at your finances, the smallest upfront expense is many times the most costly yearly expense. There …

The cost of living in Canada is increasing every year. But, one of the benefits of living in Canada is the availability of Internet networks. Internet can be very useful in helping you save money. …

Certain Michigan banking giants have employed a rather interesting method in attracting new customers. Having approached a local Branch Manager and questioning the helpful lady I can relate the argument used by these Banks. A …

We all know how easy it is to hand cash over to someone else. So how can I hand over my cheque to someone else? A cheque is basically a piece of paper which declares …

Hybrid savings accounts are banking instruments that allow clientele to combine banking services and benefits into one account. All U.S. Savings accounts are subject to the Federal Reserve’s Regulation D which outlines the rules and …

The only way to determine where your money is actually being lost is to track your daily spending habits. If your budget is set for bi-weekly, track spending habits for two weeks. Start a journal …

There are two questions that people should ask themselves before they go shopping: 1: Do you I need it? 2: Do I want it?  There is a world of difference between the two. For instance, …

It may seem like a challenge to live within your monthly paycheck. With some simple planning and spending strategies, you can not only stay within your income, but have money left to save at the …