Spending and Saving Archive

A person that gets in financial trouble must have a plan to get their finances back on track.  Whether someone else helps them or they formulate the plan by themselves, the burden is going to …

Money market accounts are a type of investment account.  Many investors include them in their investment portfolios, while others do not.  Because each investor is different in terms of their risk tolerance, desired rate of …

Joint savings accounts are very convenient, but are they always the best option? Having a separate savings account may be more useful than you initially think. Opening a separate savings account does not mean that you do …

An emergency fund changes everything. Financial expert Dave Ramsey says, “An emergency fund changes a catastrophe into an inconvenience.” Nobody wants to be inconvenienced, but given the choice between an inconvenient situation and a catastrophic …

Do you have a lot of prescriptions to buy, or even just one pill to take? If you have ever been asked by your doctor to take a medication, you know that it can potentially …

In modern day banking, it is rare for a bank to say that they are not having the online banking facility for its customers. At the same time, there are instances in which banks promote …

The physical activity of cycling brings many benefits to the cyclist. Running a cycle in contrast to a car or using public transport, will save you money.  But did you also know cycling can create …

There are more and more people in difficult financial situations in recent times who are having to consider how to save when money is tight. This might be an entirely new concept and procedure for …

Most people are looking for ways to save money.  Although clipping coupons is one way to save on groceries, not everyone has the energy or time required to do it.  The following are ways to …

It is extremely rare to find someone whose finances have never fallen off track at least slightly.  Sometimes it is due to poor decisions, even if those poor decisions seemed like good decisions at the …

Throughout my long working career as an advertising writer and journalist, I always managed to earn enough income to provide for my family’s financial needs. However, no matter how much I brought home on payday, …

Losing a job is rarely a positive experience around the time that it happens but for the diligent savers it has the potential to become just that. If you’ve spend your years of employment saving …

Balancing your checkbook is a must to avoid surprises. Without a clear knowledge of what is “out there” you will have no idea how much money you actually have in your account. A step by …

What does the phrase, “Shop smart”, actually mean? It means buying what you need and not wasting money in the process. It is so easy to wind up spending more than your budget allowed on …

Five steps to killing your living expenses Living expenses are the regular costs that you typically incur on a month by month basis. This can include essentials such as the cost of your mortgage or …

It is widely believed in western countries that it is cheaper to buy junk food than it is to buy healthier options. Certainly, the price of fruits, vegetables and lean meats can be very high, …

The majority of people these days will have a checking account available through which most of their money, such as their salary, will pass. Having a checking account is useful in that it keeps money …

The current environment of financial uncertainty is reaching everywhere, even when there are stable jobs and good financial situations. Many are concerned that their job can go away or that some future crisis will decimate …

The pushbike as we know it has existed for nearly 200 years and yet it has a powerful and hidden secret. It can actually save you vast amounts of money. Running a pushbike, in contrast …

Closing your bank account shouldn’t be difficult, but you will need to follow certain procedures to make sure any future financial transactions your savings account usually deals with are transferred to another account. It’s also necessary to …

Lowering your water bill will require you to be more efficient about how you use water. You only save money on your water bill if you cut back on your use of water and end …

Determining how to cut down on living expenses is something which will prove much easier for some than for others. It may be the case that the single man or woman will find this an …

When one loses a job it is a whole new change in their lives, which means that they have to adjust to a certain lifestyle till they get the another job. They have to scale …

Getting maximum value from all your financial products has never been more important and a key component of this is ensuring that you have selected a bank that is a good fit with your needs. …

Before you start using coupons at Wal-Mart, it is a good idea to know their coupon policies. Wal-Mart’s motto is to “Save money, Live better”. Using coupons is a great way to do this! Not …

If you live in the state of Wisconsin and you are close to a state park you have an entire adventure at your finger tips for only $25.00 a year. The state of Wisconsin has …

Pulling your hair out? Smoke coming out of your ears? It sounds simple enough but you would be surprised at how many people have trouble balancing a checkbook. This is the cause of a lot …

Do you have money that you would like to keep out of the hands of others? Keeping money in your mattress might be one good way to keep money out of sight, but there are …

Prescription drugs can be extremely pricey.  Many people spend hundreds and even thousands of dollars on such drugs every single year.  Fortunately, there are things that you can do in order to save money on …

It is extremely easy to slip into debt almost without noticing; it is often a slow process which over time develops in a downward spiral which becomes harder to climb out of the longer and …