Your finances are your business. But unfortunately it seems like you need an accountant to help you understand and decode the mysteries of balancing a budget or saving money. At some point you might need to get a loan. When that day comes, this article can help you understand which is the right one to [...]

Continue reading " Balancing A Budget And Saving Money "

There is a lot of advice out there on how to live a frugal life. You can go from anything as simple as turning off the lights when you leave a room to grinding your own flour. There are forums out there where people discuss the way they use the rainwater they collect to do [...]

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Clip coupons. This is the single most important rule of personal budgeting. Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line.

Buy in bulk. If your favorite products are on sale, buying in bulk may cost you more at present but could end up saving [...]

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The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from.
But if you are guided with the [...]

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You’ve analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about [...]

Continue reading " 10 Tips To Make Sure Your Financial Budget Will Succeed "

Many of the brightest and hardest-working marketing and advertising people in the country are obsessed with getting you to spend money and, if necessary, to go into debt to do so. Absolutely all the media that reach you every day are designed to get you to spend money. In order to save money in this [...]

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Here’s part three of “Managing Money by Age” series.
AGE 40
Your net worth in your 40s should be expanding as well, but so, perhaps, are your debts. You’re probably earning more than ever before, but the money may not seem to go far because you’re grappling with such big expenses: homeownership, your children and their educations, [...]

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The next phase of “Managing Money Tips by Age” series is how to manage money in our 20s.

College is a time of new experiences in a person’s life–new friends, new faces, new responsibilities and new money issues. Often, the college years are the first time that young adults are required to manage their own money.
Here [...]

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Let’s start this “Managing Money Tips by Age” series with teaching kids about money. We always start things at early age. Teaching kids about money doesn’t have to be complicated. You can turn everyday activities into impromptu lessons.
Here’s the summary of the tips to manage money at child age:

Give an Allowance
- Giving kids an allowance [...]

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Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? [...]

Continue reading " Rebates – Reward or Rip Off? "