Author: Terry Gates

One way to climb out of debt, or better yet avoid it altogether, is to learn how to stop wasting money. Americans are the most frivolous spenders on the planet. We also have the highest levels of personal debt. Of course impulse buys that end up in the attic can hurt the budget. [...]

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Office supplies constitute one of the biggest expenses in an office environment. However, you can’t curtail the purchase of these necessities. What you can do, however, is make sure that you can save money on these office supplies. It is possible to do so without having to sacrifice your company’s needs for these supplies.
1. Buy [...]

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After a trip to the doctor, you may find your head spinning not because of your illness, but because of the prohibitive price of your prescription medicines. This is a big problem since you can’t skip these medicines due to your concern for your health. However, there is a way for you to save on [...]

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John and Marylyn finally had enough money to buy a new home. It wasn’t built from scratch but rather belonged to a family who lived in it for 40 years.
The foundation was still strong and the pipes were in good condition. Some retouches the couple said and this place will be good as new.
Many people [...]

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Many people may have been enjoying mortgage rates that are lower than what you have right now, but it isn’t easy to say so.
Why? Simply because getting lower mortgage rates isn’t that easy. First, you have to think about the refinancing schemes that mortgage lenders will provide you in case you want [...]

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No matter how tight things are financially for you; no matter how bleak you think that 2005 might be, if you are earning a paycheck then there’s extra money hiding in it. You just need to know where to look. Here are 10 ways to bring that money out into the open.
1. Get an instant [...]

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by Lesley Spencer, MSc; Founder & President HBWM.com Inc.
One of the most common obstacles many home-based working moms face is trying to start or run a new business on a limited budget. The first few years of a business are usually the hardest financially. Some moms leave full-time careers and substantial salaries to start a [...]

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