Spending and Saving Archive

Keeping your home warm this winter can be a very expensive proposition. Fuel prices have sky rocketed and it is getting to the point where some people are having to choose between being warm and …

Buying in bulk has been a long-standing, popular piece of conventional money saving wisdom. Thanks to that conventional wisdom, the warehouse club circuit maintains a strong presence across the United States today. However, despite commonplace …

The most insane of all Western customs that exists today is that stupid little practice known as “tipping”. Whoever first came up with this asinine idea should be paid minimum wage and then should be …

When you go to the store, you want to save as much money as possible. This means that you are going to be looking for deals and incentives to buy the things that you need. …

The majority of companies will pay employees either weekly, or bi-weekly. While some prefer to be paid every Friday, is there any reason why bi-weekly payments might be a better situation. Most employees eagerly await …

Switching current accounts tends to be viewed as a hassle, mainly because of the need to get all your direct debits and standing orders moved across to the new account. However, in an increasingly competitive …

In order to gain potential financial security it is vital that you place into a spreadsheet or even a piece of paper all the current debts that are owed and place value to each one. …

For years banks have been offering consumers alluring offers in order to entice them to open accounts. As a result consumers enjoyed a lot of perks and promotional benefits when opening a checking account. Traditionally …

Many people tend to overspend when they go shopping, Often enough, they do not even realise it. They have made lists and have every intention of sticking to them no matter what. With everything well-organised, …

Has it ever occurred to you just how much outlet shopping has in common with drinking diet soda or gambling? You may be surprised just how similar these activities can be. In all three cases …

There is a tendency to associate “richness” with “size of income”. However, there is not always a direct correlation between wealth and salary. For example, someone who earns an annual salary of $100,000 might conceivably …

They say when it comes to money; it is easy come, easy go. Yet, it does not always have to be that way. Overspending is a state of mind, not a state of financial health. …

When I first heard about Bank of America and how they made everything “new,” I thought to myself that this was a totally different bank than what it was 10-15 years ago.  You remember that …

Bank fees not constrained by banking regulation are on the rise according to reports across the U.S. Observers claim the new bank fees and fee increases are due to interest and fee restrictions imposed by …

One of the largest costs that people have to pay in their monthly expenditure, particularly over the winter months, is their heating bill.  This is particularly the case at the moment as heating bills are …

The majority of financial and banking institutions now offer online banking as a natural extension to their customer services. In addition, there are some dedicated Internet banks that do not have a bricks and mortar …

Christmas comes only once a year and yet you can end up spending a small fortune celebrating it. It is all too easy to get carried away buying Christmas presents and stocking up the cupboards …

When it comes to making purchases none of us are perfectly rational beings. Let’s examine a few reasons why logic can break down and cause us to make poor choices with money. With some practice …

Where does most of your income go? If you are interested in saving more money (and who isn’t?), then one of the first steps to take is to consider where most of your money is …

You can survive on food stamps, but eating healthy may not be an option. Carbs are cheap. You can load your cart with rice, pasta, ramen Noodles, mac and cheese, etc for not a lot …

Banks vary in size and stature and with the nature of the products and services that are available to you. For the most part banks want to make sure you have confidence in their organization …

People are sometimes put off the concept of budgeting because they believe that it will all be about harsh cost cutting, to the point where there is no room left for our individual indulgences and …

Check payments are in steep decline, replaced by automated payments and plastic. Yet although transactions by check are dwindling to such an extent that it has prompted the Right to Write Checks campaign, many people …

Online banking can be considered as one of the most noticeable developments in internet based financial management and is a much sought after method among busy professionals and businessman in performing banking transactions. At present, …

You already know all about basic couponing. You already know how to scan the flyers for special coupon offers. You’ve got the knack of hunting down coupons online for the things you like to buy. …

Saving money is a daily challenge, whether you have unlimited resources or struggle just to make ends meet. We are constantly inundated with advertisements for the latest tech gadget or beauty product and asked to …

A significant part of a household budget is the establishment of an emergency fund.  Life is full of unexpected events, those which pop up at the most inopportune times.  While we cannot possibly predict the …

Home buyers are looking to get more for their money when it comes to buying new homes. They are looking for quality construction, comfort and looks, strength and lower utility bills/ energy bills. Homes constructed …

The lowest ATM fees throughout various countries are most likely to come from ATM’s owned by, or in a financial partnership alliance with your financial institution. In other words Automated Teller Machine (ATM) fees in …

Have you thought about opening a savings account while wondering why? Do you cash your checks at the store and keep all of your money at home? If you do this, you are missing out …