Spending and Saving Archive

You’ve heard this advice a million times: bring your lunch from home. If you work away from home, you need to eat lunch, and experts are falling all over themselves to tell you that packing …

Just think you only have one dollar. In today’s recession it is not much, but there are ways to use it wisely. You could spend it on fun stuff, invest in the market, donate to …

An increasingly common scam is that of the fake money order.  The type of money order most often used for these scams is United States Postal Money Orders, perhaps because people are more trusting of …

For those people who earn money online, using your online pay to pay bills presents certain challenges. These challenges are not difficult to overcome if you know the steps that are required.  Here are the …

A cup of coffee has gone up just like everything else has. According to this site, the National average for a cup of coffee is $1.38. Like everything else, there is always a way to …

The New Year always gives the impression that it’s a fresh start. There’s something about it that brings out the best in people, though it doesn’t happen on its own. It takes a little will …

Although many people expect to spend a fortune on heating and electricity bills in the winter, this does not have to be the case.  With careful planning and a few small investments, it can be …

Knowing how to find your bank routing number is a topic that may come up many times. When doing any electronic payments this is needed information.  But it is not listed in the digits for …

HOW TO SAVE MONEY FOR A DOWN PAYMENT With the current real estate market as it is currently, with all the foreclosures and banked owned properties available, everyone is looking to take advantage of this …

Teaching your kids the value of money, saving, and spending wisely are very important. It will give them a foundation that most kids and even adults don’t have. There is no better time to start …

Do you have Account Deficit Disorder, also called ABDD? Have you had two or more problems with your checking account being overdrawn? Do you have trouble keeping track of your checkbook balance? Do you often …

Anyone who has experienced a brutally hot summer knows the importance of air conditioners and fans, as well as the shocking electric bill that can show up the following month.  Air conditioning is one of …

Challenges confront people on a daily basis that reach into their paychecks or in the worst case scenario, have them building debt on a credit card or through personal loans.  Very few of us remain …

Interest rates on UK savings are currently very low, with the best offers usually requiring you to keep savings on deposit for a fixed period. However there are a number of interest bearing current accounts …

Today’s economic climate makes it hard for everyone to make ends meet. One of the major reasons is that most families have never learned about budgeting. As long as they continued to draw an income, …

Determining if you are spending too much money seems like a problem with a simple answer. If you do not have any money just prior to your next pay period, you are probably spending too …

Being able to spot a counterfeit money order could be the difference between obtaining money owed and being left seriously out of pocket. The issue of counterfeit money orders has now been around for many …

You have a budget for everyday expenses, like groceries and bill payments. You know, more or less, where your money goes every month. But what about the unexpected expenses, like car repairs or medical bills? …

The average person spends a lot of money between buying their morning coffee, lunch out and that mid-afternoon snack from the vending machine. Let’s face it- you are at your job for an average of …

Whether it be for a house, automobile, boat or other big ticket item, down payments are the beginning process of the purchase, and customarily, range from 10% to 20% of the cost. For a $15,000 …

Banking can often be looked at as a necessity in modern society especially if you are looking for ease when it comes to managing your money and paying your bills. Having a bank means that …

Online coupons are a relative newcomer to the coupon clippers arsenal.  These are coupons that you can find and print online just prior to your grocery shopping trip.  Because of the ease of printing these …

They may not come with a price tag attached to them, but babies are quite expensive. There are many different costs that you can expect in the first nine months of a baby’s life, including …

Do you think you could stand to save a couple of hundred dollars a year on your energy bills? Think about it, that’s a new pair of really good shoes, two or three pairs of …

In the June 2010 budget the UK government announced the introduction of a bank levy from 1 January 2011. In a joint statement on the same day the UK, French and German governments announced that …

Parents in the UK who wish to provide for their child’s future financial needs will be pleased to hear that the UK government has introduced a new tax-free children’s savings account. Junior ISAs became available …

Unless you are lucky enough to have a never-ending source of money, you need to know whether you are living within your means; at least you do if you don’t want to get into serious …

Imagine driving in a snowstorm on your way to work when suddenly your car hits a patch of black ice and veers off the road and into the ditch. If you’re typical of the average …

Don’t we all get excited to have an online coupon which gives us an extra 10% off on the item we have been planning to buy for over a week now? But have you ever …

Ahh – the allure of the money market! Easy access. No complicated terms. Competitive rates. Check-writing capabilities. And did someone say I could have a card to go with that value meal?  While the product …