Spending and Saving Archive

Why do people overspend so much? Chances are good that we overspend because we really want to keep up with everyone else. It is all about status and trying to show others that we are …

When we start analyzing our needs versus our wants the lines can seem a little blurred. When we look at how we live on a day to day basis, how we are raised, how we …

Are you looking for an easy way to save money? One of the easiest ways to save money is to simply give up a bad habit. OK, simply might be too easy a word, but …

This does make the erroneous assumption that I will be seeing a rebate check in the near future, perhaps we should consider why the U.S. economy is in trouble. People took on debts foolishly, and …

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 worry for all the rest.  A situation that …

With the weak economy, it has been more difficult to give gifts to all of the people that we’d like to give gifts. However, most people still have the desire to present their loved ones …

There are different methods that people use to save money. Some save where they can and some just don’t seem to spend money on anything. One method is called being frugal while the other method …

Saving in this economy can be difficult especially when you are trying to keep your head above water. Thankfully, there are many ways you can increase your savings. Increasing your savings takes effort you can’t …

Gas is four dollars a gallon and food prices are going up everywhere you look. Wages are going down and it is making it even harder for people to keep up. When it comes to …

Being between jobs can be a real test of your financial expertise. It’s challenging enough trying to live within your means when you do have a paycheck. When you don’t have one, how is it …

Home ownership is part of the ‘American Dream’, and part of making that dream a reality is saving up for a sufficient down payment. Total required down payments are variable; largely dependent on the loan …

Paying your bills and loans on time is not enough to give you financial security. While it is definitely a step in the right direction, in order to feel financially secure as well as reaching …

In life the smallest changes make the biggest difference. There are many ways to save a lot of money by changing the little things. Most people underestimate the difference small changes can make. You make …

Did you ever have someone tell you to use your common sense? They weren’t trying to be insulting; they were just trying to get you to reach a new goal. Using your common sense to …

My wife thinks I’m cheap, but the reality is that I’m just being frugal. My clothes are all frayed.  My wife thinks I’m being cheap by not buying new clothes.  However, I work out of …

The truth about some things in life is that the simple things are the hardest to accomplish. Despite sophisticated methodologies and complex concepts, some people just need to do the little things in order to …

Saving money for a down payment can be challenging simply because it involves putting money aside for some future use. When you have become accustomed to the pleasure of instant gratification it can be very …

Starting your own emergency fund can be difficult to do with the uncertainty of the economy. If you live paycheck to paycheck you probably have every intention to save money, but it is hard. Thankfully, …

Besides saving you money, there are some budgeting habits that will also help the environment Going paperless Many companies now offer online bill payment. You can either do this through each individual company or many …

Identifying needs versus wants is really not as difficult as some might think. Most of us can cut down on spending in at least one area of our lives. The only problem we have is …

In economic downturns, every dollar counts. Many holding one of the paper bills bearing Washington’s likeness consider the one-dollar bill lacking in purchase power and of little good unless paired with multiple other green backs. …

Saving money can be a difficult thing to do. Why is it so hard to save money? Well, you don’t always control your income, so you might only have enough to live month to month, …

When it comes to managing your money, it is crucial for you to create a budget. It is the responsible thing to do, as it is critical for you to spend and save wisely. The …

The best way to totally lower your electric bill completely is probably to cut off all power to your home. That’s got to be the best energy saving tip anyone can give you. Of course …

Christmas is about fun, family, friends, and unfortunately, a lot of spending. You may spend money on gifts for family and friends, holiday decorations, celebrations and more. The money can go quicker than you think, …

Budgeting your annual spending is a very difficult task that needs a highly disciplined mind as well as organization. This is to say that in other to be successful when budgeting your expenses for the …

At the moment there is a recession on and it can be a difficult time to start saving money. This is the case especially if you have little experience with saving money, but it is …

Mobile phone banking is the next step in regards to the future of the way people utilizes the age-old art of banking to manage their financial life. The 2000’s saw the rise of online banking …

The summertime heat and the fact that many children stay home more during summer break means that electric bills, in general, will go up. Fortunately, there are simple ways that you can help reduce your …

If someone is a coffee addict then a cup of coffee is an important thing for him. He would love to talk about coffee, ask his friends to have coffee together, and often he would …