Spending and Saving Archive

Transformation of Low us Savings Rate

A pervasive global structure of interwoven networks owned by a minority of the planet with concentrated wealth lay beyond an infinity of facades storefront in America-these names on every main street and at most freeway …

Surviving Poverty in the us

“When you’re really poor, everything you see is something you can’t have.” -Patrick Duncan, late anti-apartheid activist In the United States, poverty is, in most cases, eating Ramen Noodles, goes without HBO and has to …

5 Tips to Save 5 Daily

It does not matter who you are, where you live, or what you do. The bottom line is that we can all stand to save money. In our hectic lives, sometimes we forget how easy …

How to Save Money

‘How to Save Money During a Recession All anyone ever talks about these days is the Financial Crisis that the whole world is going through and unless you are very rich it’s a very big …

Budgeting 101 Setting up your Budget

One of the most powerful tools in any personal finance arsenal is a budget. Unfortunately, many people make it much more complex and difficult than it needs to be. As far as budgets go, simpler …

Feed your Family on a Budget

Groceries can easily eat up a family budget, but there are several ways to eat well while staying within your financial limits. Learning about your current grocery spending habits, using a list, planning ahead, and …

Tipping System in us is Bad

I am writing this from the perspective of someone who lives in a country where tipping is not usual or expected. I have been to the US on a number of occasions, and feel I …

Pros and Cons of Saving Accounts

The art of saving money Everyone should have a savings account, even though there are a number of pros and cons with respect to setting up a saving account and maintaining it on a regular …

How to get Free Fun for the Summer

Are you looking to have some  fun this summer? If so, you are not alone. Fortunately there are many ways for you to have fun this summer. If you are willing to think outside the …

How to Save Money more Efficiently

Saving money effectively means regular reduce or minimize of your personal costs until to achieve the expected goal. During the search you will find many different ways which if implemented effectively can help substantially. What …

Always Broke Steps to better Money Management

Efficient money management requires a significant dosage of effort, discipline, and self-control to be exercised gradually in order to produce desired results.  Often times it is not about how much money you manage to earn …

Surviving Poverty in the us

One can only hope to survive their poverty. And one can count themselves lucky if they do. Many are unable to sustain their health and their hope long enough to make the long hard crawl …

8 Tips to Feed yourself on 50 a Month

In these tough economic times, it is not easy to stretch your grocery budget. Prices of food are climbing at a steady pace and the average person is not seeing their paycheck climb with it. …

Five Things to do with a Dollar

If you had a dollar, what would you do with it? There are many things you can do with a dollar, even if you don’t think it is worth what it used to be. True, …

Pros and Cons of Savings Accounts

In recent years, the interest rates of savings accounts have plummeted. Because of this, many people do not see the value of having a savings account as the rates are not as high as they …

Ecologically Friendly Cost Saving Tips

Many people think “going green” or living environmentally friendly is expensive, but there are many ways that it can be cost friendly.  Most newer appliances, such as refrigerator, dishwasher, clothes washer and air conditioner are …

Money Saving Tips for Freelancers

Are you a freelance writer? If so, you probably know what it’s like to be cash-strapped. You’re probably looking for any way that you possibly can to save money. The freelancer means that an income …

Simple Money Saving Ideas

Too much month at the end of your money? Economically speaking times are hard these days for everybody no matter how much you bring home in your weekly paycheck. If you are like me, then …

Where to Start with Saving Money

Saving money can be difficult in this economy. During these times it seems hard to save with bills piling or struggling to keep your head above water. There ways you can save money if you …

Budgeting 101 Setting up your Budget

To most, the word budget conjures up images of financial distress. People who put themselves on a budget are inevitably in trouble. Despite the fact that most people would never consider the notion of budgeting …

How to Save Electricity

In 2005, I declared war on the kilowatt. It started as an effort to cut household expenses, but then things got personal. I live in the Dallas-Fort Worth metroplex, a region that earned an “F” …

Common Reasons for Overspending

Why do people overspend so much? Chances are good that we overspend because we really want to keep up with everyone else. It is all about status and trying to show others that we are …