Spending and Saving Archive

Buying a home for the very first time can be an exciting and exhilarating process. You’re pursuing the American dream, providing a home for your family, and hopefully making yourself more financially secure. Unfortunately many …

Have you ever wondered why you just can’t ever seem to make enough? No matter what you do, finding a job that pays enough or even provides livable raises, is as elusive as Big Foot …

As the cost of electricity continues to rise, it’s important to find ways to cut the cost of your bills wherever possible. Unfortunately  the majority of us don’t have the luxury of living off grid, therefore mains electricity …

Shoes are a necessity, but they don’t have to break the bank. Whether you are shopping for athletic shoes, dress shoes, sandals, or boots, you can save money at the shoe store by following these …

When the bills or financial commitments begin to outgrow your income, or you want to save for something special, it is time to look at ways to save money any way you can. Even small …

Summer is often thought of as a lazy, laid-back season, but with vacations and energy bills, it can also be the most expensive. Avoid the high cost of taking it easy by trying out some of these …

Most people like to save money, period. That is really all there is to be said about money. Okay, maybe there is a little more that can be said, at least when it comes to …

With the current economic conditions and job losses, more people are looking for ways to save money.  Some people consider frugal people as being cheap.  Being frugal is looking for ways to save money and …

Before detailing how you can avoid going into your overdraft, it’s probably worth explaining the difference between an authorised and an unauthorised overdraft. An authorised overdraft is a credit facility that your bank agrees to …

Believe it or not it is possible to live within your means. It is possible to live on 80% or less of your income, depending on what your income is. Most of the ideas to …

The early adoption rates for Mobile Phone Banking suggest that it is only a matter of time before mobile banking catches up with online banking as a primary means through which consumers will interact with …

The costs of travelling to work can put your finances under serious strain. By learning how to save money on travelling to work you can find some cost saving alternatives that help you save a …

Improving your fitness doesn’t have to break the bank, as there are plenty of ways you can get some exercise which don’t cost anything. You therefore need to put out of your mind the idea …

The cost of living continues to rise while the average median income continues to remain the same. With that being said making every dollar count is essential to help ride out this bad wave in the economy. …

The Bottom Line: read it now or forget about it. This book is very dated and much of it may be obsolete by 2008. The lack of depth gives a feeling that Cramer is luring …

Are you someone who has a bank account or is making plans to open one? If so, there are a variety of measures you will need to start implementing in order to protect your money …

For many households, gas budget constitutes a substantial amount in monthly expenditures. This may continue to rise with political instability in the oil producing nations as well as due to the growing demand for gas …

Although Muhammad Yunus had come up with the idea of micro lending in 1976 when he was a professor of economics at Chittagong University in southern Bangladesh, it was not until 1983 that the Grameen …

It may seem very old-fashioned to carry and use cash for day to day purchases, but making the decision to be unbanked (using cash instead of debit cards) is actually a very good thing. There are …

If you are trying to cut corners and save yourself a little bit of money, you may do so by cutting a bit your expenses for food. Food is perhaps the second largest expense you …

Before condemning banks for making large profits, people should consider the various benefits that successful banks provide. These include: – job creation and retention. Banks employ many thousands of employees, and the salaries paid help …

For people who are living through near record breaking drought and extreme heat, air conditioning is a real necessity. Air conditioning is never cheap, but when it is used so extensively, the cost can be …

Bank Closings 2009: 106 and Counting A total of 106 banks in the United States have failed this year as of October 23 and experts forecast some 400 more struggling banks will likely follow them …

The illusion is that corporations exist to serve our needs, but the simple fact of the matter is that they are self serving. It’s not wrong or selfish, just a matter of course in a …

Emmaus is a charity, which has shops all over France, as well as 37 other countries including the U.K. It was founded in 1953, although the idea stemmed from post war problems in 1949, and …

Money is a part of everyday life.  The success you have with money depends largely on how you manage it.  With the increased ability of using credit it is becoming easier to get into debt …

It is not difficult at all to go into your Christmas shopping with the best of intentions, only to realize at the day’s end that though you meant to do a good thing, you have …

Determining how to stop wasting money and build your savings is one thing but very often, sticking to the plan of action which you so determine can be quite another. The vast majority of people …

Grocers today are stocking more and more organic produce. Some markets are specializing in organic produce and others have at least a section of organic produce available for customers. So how does one find the …

Financial freedom is a state of bliss that everyone would like to experience, instead many are in debt and only thinking about how nice it would be, to be financially free. Those in debt are …