Spending and Saving Archive

Having saved for my children’s education both ways, I can say with no hesitation that a prepaid plan is the best way to go. The difference is pretty simple. There are tax issues with both, …

Residents of Florida can apply for food stamp benefits online or at the local Department of Social Services. During tough economic times, financial hardships Food Stamps can help to pay for groceries for you and …

Everybody loves a sale right? Wrong, in fact some people positively loathe sales, which is understandable as they can get incredibly hectic and sometimes, you have to root right through to find something you might …

Bank Certificate of Deposit (CD) listings can be found at a number of financial institutions and established financial websites like BankRate or MoneyRates. The bank CD rates listed by these organizations vary based on the …

     Reducing the electric bill in the summer can be quite a challenge, but with a little work and planning ahead, it can be less of a hassle. Here are a few suggestions:      Turn …

Surviving poverty in America. If you are quick to judge those in poverty to be in a negative light then maybe you should try it. You may realize you simply do not have the skill …

For investors who are not ready to commit to a long-term purchase in stocks or bonds but have cash they don’t want to leave sitting in a checking or savings account earning little to no …

Saving accounts can come in different shapes and sizes. Although they all have an AER interest rate which is usually returned annually. Every bank has at least a few saving accounts that you can select …

Getting out of debt is a challenging process and there are several habits that will need to be changed before resolving your debt problem. Once the debt is paid off, it is too easy to …

Online Retail 1 High Street Retail 0 It is getting very clear now that since the downturn last year the recession has dug up some unwanted statistics concerning identity theft ; it has soured since …

When you think about all the things you spend money on, it’s easy to overlook the relatively small, incidental expenses that you incur, although it all adds up. You may not even think about the …

During these tough economic times, having a family budget and sticking to it is more important than ever. Determining who is going to manage the family budget is an important decision, but equally important is …

The Internet has made it so convenient for us in the sense that it makes doing certain daily or common activities much easier. One of such activities is banking. Despite the convenience of banking on …

Living on one income can be a conscious choice, such as where a couple decides that one partner will stay at home to look after the children. Or it can be an enforced (and hopefully …

Think of a smartphone as a very small laptop or netbook.  People wouldn’t think twice about banking with either of these devices so a smartphone should be thought of in the same way.  Granted, you …

The winter months are often synonymous with expensive electric bills. This is primarily due to the need for heating and the electricity required to run the various kinds of furnaces. If you are like most …

Saving money doesn’t have to be complex. There are all sorts of plans that financial advisers give for particular situations but if you simply want to save without the professional advice, there are some simple …

In these days of economic hardship, many families are discovering they need to go without many of the products and services they’ve accepted as necessities. But foreclosed homes and loss of job income promise a …

Saving money on vacation does not have to mean that the holiday is going to be boring. With these simple tips you can have a cheaper holiday while still having a great experience. Book Self-Catering …

Free and Easy Ways to Cut Energy Costs During the Winter The winter is on its way, and with the cold comes ungodly energy bills, but after reading this article you will have no fear …

I’m sure you’ve all had a “check lost in the mail”, but for me, it was true. For the first time ever, I had to utilize the bank’s “stop payment” procedure. I was quite satisfied, …

How can you end up spending more money on your Christmas celebrations than you planned? It is very easy to go and spend more money on your celebrations than you think you are going to …

I was a manager at a high-end consignment shop for many years and the benefits of consigning are definitely a win-win situation. Consignment usually entails the seller (the owner of the item) gives the consignment …

There are many components that contribute to sound financial planning. Most of us are aware of the importance of spending less, saving more and sticking to a budget. However many people fail to recognize how …

I would say that the search for strategies in order to save money does not require good or bad economic conditions. I think it is a habit which has appeared for many years and is …

Overspending is a form of financial indiscipline .When people use a huge chunk of their earnings to acquire goods and services that they can otherwise do without and in the end leave little for their …

Money market accounts are a type of savings account that can be opened at financial institutions were you do your day to day banking. These types of accounts may also be opened at banks that …

Saving accounts have had some really low interest rates lately. What’s up with that? Savings accounts have traditionally been really good ways to save money while earning some modest interest on them. That tends not …

There are a number of adventurous people who specialize in making a profit from the misfortunes of others. They do this by taking advantage of circumstances around them, and making good use of assessed information …

Life is full of little surprises, and too often, they aren’t all that good. Cars break down, furnaces quit working, plumbing springs a leak, jobs are lost, and people get sick. All of these unexpected …