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 [...]

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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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With gasoline prices steadily on the rise, many commuters are finding it more and more difficult to justify spending their hard earned money on the high cost of fuel rather than other necessities, including food and electricity.  With that in mind, there are five simple steps that you can take to help stretch your dollar [...]

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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 [...]

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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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With energy costs higher than they have ever been in recent history, it pays to find ways to reduce your home heating costs. I put together some tips that are easy, cost effective and will all add up to reduce your home heating bills by a significant amount! You don’t need to be Bob Villa [...]

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You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the [...]

Continue reading " Why Should I Make a Budget? "