Spending and Saving Archive

Online coupons have gained a great deal of popularity these days. More so now that the global crisis has raised its ugly head. They can save you hundreds over dollars over a very short period …

Depending on where in the world a bank is owned, that ownership is determined in part by regulatory laws. In the United States legislative acts such as the Bank Holding Company Act of 1956 and …

It is very expensive to run a car, yet many people still regard driving as the best way to get around town. Of course, there are benefits associated with driving a car, since you can …

I could sit here and tell you how to save your money all day long. However you are not me. You do not have the same needs as I do nor the same wants. I …

Tips for saving money: How to make your home more energy efficient There are many ways to make your home more energy efficient and some of these ways qualify for a 2010 federal tax credit …

The history of banking is quite complex. Before banks people entrusted their silver and gold to be deposited with a Goldsmith, who in return gave the depositor a receipt for return payment on demand. The …

There are those who are so intense on saving every little penny that it actually hurts them instead of helping. Need proof? Here are some reasons that this is true: Credit Card Use. When you …

The Fed, politicians and most economists around the globe know that you have to have money in order to make money. However, since most American’s today are struggling to ends meet, few are willing to …

Teaching kids to be smart savers shouldn’t just be about instilling saving habits into them and helping them to start piggy banks, but also, influencing them to grow up as conscious spenders of money. If …

What’s the secret to a good family budget? Ask anyone and you are likely to get a shrug or a confused answer. While many will tell you that budgeting is sensible if you want to …

Is keeping your money in only one bank a good idea? That depends in part on how you use your money, how much you have, and how convenient the banks are where you live. For …

Online coupons have become highly popular, partly due to the ease of finding and printing them, and partly due to the minimal costs of printing them.  A serious coupon clipper can become giddy with excitement …

MAGIC WAY TO SAVE MONEY If you are saving money with your husband or boyfriend/girlfriend, the two of you are working. Example A have $1000per month and B have $750 per month. How much can …

For most folks, their home is the single largest purchase they will make in their lifetimes. However, many homeowners overlook routine home maintenance because they just don’t know what they should be doing. Unfortunately, this …

Those who have bad credit may well be turned down when applying for a current bank account. A bad credit history, CIFAS flags, IVA’s and bankruptcy could well result in your business being unwelcome by …

Many times people are afraid to start saving money because they know they will have to cut back and change their lifestyle.  This is true in many cases, especially for people who do not have …

Wasteful spending can cause a person to accumulate massive debt, loss time, damage their credit score, and empty their savings account. Millions of individuals participate in this careless behavior. The state of the economy is …

Well, I’ve decided to join the growing throng of folk trying to claim back bank charges in the UK. So read on, in this and subsequent posts, how to do it yourself & how I’m …

What an economy, what an economy! Due to having a very high unemployment rate and dealing with a situation in which your chances of finding a steady job are slim to none, especially if you …

The truth is that many people who we would consider rich are just as broke as the rest of us. This may seem odd because they are earning hundreds of thousands of dollars a year …

When you’re a student you usually don’t have much money coming in, especially if you’re completely reliant on your student loan. Even if you have a part-time job it can be hard to make ends …

The origins of modern banking go away back to the late 17th century. During that time period, a number of goldsmiths started to deal in domestic and foreign coins and allowed their safes to be …

Ever walk our of a supermarket penniless weeks from payday? Well, you are not alone – this highly stressful situation plagues many of us in the world today. Loans seem to be the only way …

Fixed interest rates are what the banks normally give especially in savings accounts. In most cases, such rates would normally range from 0.75 percent to as high as two percent annually. If the amount of …

Money is spent much more quickly than it is earned.  This is especially true of those trying to navigate their personal finances without the use of a budget.  Learning to create and effectively use a …

If you find yourself in the unenviable position of being unemployed during this recession, you will need strong survival skills. Hugely important will be the ability to spend wisely and to save money where you …

In economic times like these everyone is trying to save as much money as they can each month, many people do not realise that there could be significant money to be saved by taking a good …

The basic definition of an offshore bank is, “a bank located outside the country of the residence of the depositor, typically in a low tax jurisdiction(or tax haven)that provides financial and legal advantages.” If only …

One of the main goals for parents is to help their children to develop traits that will make them the most successful as they go through their lives. Financial responsibility is one of the most …

Thanks to the pace of modern day life, vacations are a necessity for many families. They can also be very costly and seem out of reach for many average families. There are, however, ways that …