Spending and Saving Archive

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 …

“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 …

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 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 …

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 …

A recession is never a fun time, but they do happen. When they do, you simply have to learn how to scale back your lifestyle. If you don’t, you’ll simply making things worse for when …

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 …

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 …

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 …

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 …

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 …

There are many reasons why you might want to spend less money on a day-to-day basis. Maybe you want to save for a vacation or a new car. Maybe you want to start investing for …

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 …

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 …

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. …

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, …

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 …

A woman who obviously works as a restaurant waitress recently wrote a letter to the editor of my local newspaper. In it, she complained about the fact that she and other servers are often stiffed …

The word “budget” is as exciting as the word “diet,” but being on one does not mean you have to go without delectable things.You have to set a budget to know what you are spending …

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 …

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 …

In order to plan a mini financial budget, one must know what they are already spending money on. It’s best to sit down and write out what you would normally do and buy within a …

There are times in life when the money is not flowing and the bills are barely getting paid. These situations can arise from loss of a job or higher standards of living or unfortunate illness. …

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 …

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 …

Are you looking to get your finances back on track? Was there a job loss, or simply some money that wasn’t managed as well as it could have? Whatever the reason, you are going to …

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 …

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” …

At Christmas time it can be very easy to end up spending more money than you intended to as many gifts appeal to you and various events crop up which you feel you cannot say …

In the current economic climate people are always trying to make savings and in the summer months it may be even more vital that these savings occur so as to help fund the Christmas season. …