Spending and Saving Archive

When you’re on a budget and trying to save money, one of the worst mistakes you can make is sacrificing quality food. Good food not only improves your mood, but it is also the leading …

Most children are familiar with the concept of money at a very young age even if they cannot comprehend it fully. A toddler knows that to buy things they have to pay for them. Toy …

A Christmas Club Savings Account is a relatively painless way to save money to complete your shopping during the busy holiday season. Nearly every bank offers some form of this product. Some call them “Christmas …

When financial woes mount and you find yourself in a predicament where you need to save money fast, there are several simple strategies to employ that will help you to accelerate your savings. The first …

The holiday shopping season officially kicks off with Black Friday every year. Why all the fuss? What makes Black Friday so special for holiday shopping? There are many reasons to shop during this event: sales …

Mall shopping is normally much more convenient than visiting downtown locations within your community. There are, however, some common problems with mall shopping that need simple solutions. If you are planning on going shopping at …

A cell phone contract is an agreement between the consumer and the cell phone provider, which binds the consumer to a fixed monthly payment for a designated period of time. During this time, the consumer …

Often a daunting task for everyone living on a budget or barely within their means, saving in general is a very tricky prospect, but a necessary one. With savings people are able to afford larger …

Debit cards have become one of the most popular modes of payments at shops, restaurants, purchasing air tickets, booking hotels or even when purchasing on-line. However, as certain experts point out, debit cards are one …

Spending more than you can afford complicates your life and your finances. Overspending can lead to insurmountable debt at astronomical rates. It can also mean the loss of your car, home and important relationships. Living …

There are no areas that are left out when it comes to being wasteful. We all know that it is possible to waste the things we buy but few of us realize that we might …

In today’s struggling economy, we are seeing more and more young people who are solely responsible for financing their own college tuition and expenses. It is rare that parents are paying the way for their …

Tipping is an art form and like most things involving human sensibility it’s a completely subjective exercise. Telling you how much to tip is a bit like saying The White Stripes are overhyped or that …

When a check is in your hands, what will be your next move?  This would be the burning question posed by many newcomers dealing with checks for the first time in their life and the …

When money gets tight buying books can seem like a luxury but there are ways to get the most out of your book budget. One way to stretch your dollars for books is to use …

The sound of the furnace kicking in on a cold winter day is comforting, but can also cause a bit of stress as consumers become more and more aware this also means the energy bill …

Black Friday is the day following Thanksgiving Day and traditionally the start of the Christmas shopping season. What used to be a few hours on Friday morning for early birds has grown into a huge …

For most people today, buying brand name items is the norm, so much so that we often don’t even notice that we are doing it. What many people do not stop to consider is the …

Being organized and prepared can save you money and time when you do your grocery shopping. Food is becoming more expensive; however, a healthy, nutritious diet is still needed. It is possible to greatly save …

Understanding the importance of money and being smart at managing it is a vital lesson for anyone to learn, and it’s a life skill that parents should seek to instill in their children. Doing so …

If you’re already a great organizer, you probably don’t need many tips on how to improve your efficiency for handling bills. You’ve probably already got a perfect home mail organizing center, with color-coding and everything! …

Whether your family is simply trying to track their money or feeling the burn from a low moving economy, budgeting is a must. Creating a family budget will force your family to think about their …

As a family grows, so does the cost of maintaining it. Expenditures on food, clothing, transportation, and nearly every area of family life escalates through the addition of others to the home and inflation. For …

In general, the cost of voice communications has become relatively less expensive over time as technology makes improvements to the infrastructure and makes telephone switching cheaper and more efficient. However, there are various reasons for …

Your checking account is an important part of your financial planning process! If you ever want to become financially independent, you need to know how to make the best use of it and recognise how …

Frugality might sound like an embarrassing infection of intimate areas, but it is a valuable and much under-rated life skill. If times are generally hard, if you personally have a cashflow problem, or if you just want to …

Holidays are fun, and normally it’s more fun if you spend more. When you’re on a holiday, all you think is just having the great time of your life and seem not to care about …

One of the main perks we think of when we think of travel reward cards are free or discounted airline flights or hotel rooms.  There are several other perks that may be available to you.  …

At times cutting back can be difficult especially if you or your family is used to a particular lifestyle. However, sometimes it is essential to curb spending and eliminate non-essentials in order to survive. This …

A penny saved beats a penny earned. Why? Because you do not have to pay taxes on it. Plus, that penny is just a start. Once you find a lot of brothers, sisters and cousins …