When money is tight and people look to cut their costs, the most appealing ways to save are usually the ones that can be done most easily. People will forgo expensive restaurants, stop making trips to the mall, and cancel their premium television subscription. All these approaches can certainly amount to considerable and worthwhile savings. But when the need to save money and cut expenses is truly pressing, it sometimes becomes necessary to take more substantial and drastic measures. Among … Continue reading
Strategic Credit Card Use Could Make that Overseas Vacation Finally Affordable
The combination of cold weather and an advantageous exchange rate between the Dollar and the Euro, is, if nothing else, a recipe for dreams of spring and summer vacations taken overseas. While you might assume that such dreams are bound to go unrealized given the still-high costs associated with this type of trip, there’s actually reason to be optimistic and it resides in your wallet. The right credit card can help you save over 15% on a trip abroad, but … Continue reading
Ten Tips for Getting out of Debt in the New Year
Many New Year’s Resolutions revolve around things like learning something new or losing weight. Why not try focusing on getting out of debt for the New Year? Debt is one of the most common sources of stress and eliminating debt is one of the best things you can do for your future. Here are ten budgeting tips to save money and get you closer towards freedom from debt. Create a Budget If you have never sat down to create a … Continue reading
We Could All Edit A Bit More
If you want to get a bit more happiness out of life, maybe what you really need is a bit less stuff. While you certainly aren’t going to edit down your life as much as Graham Hill has done, the truth is that you probably have a lot more in your life than you really need and all that extra stuff is holding you back. With the New Year fast approaching, maybe one of those New Year’s resolutions should be … Continue reading
5 Simple Ways To Save Money
Debt and bankruptcy have the effect of doing a great job of teaching one about financial discipline. I’m not the greatest student, but that fact hasn’t discouraged my teachers. They have never given up on me. Whenever I thought my finances couldn’t get any worse, they have been there to help me. This has been the case in a large number of areas of my life, and has been especially true in the case of personal finance.
The Cons of Holiday Shopping Online
Online shopping has been a low cost and easy option for shopping. With the growing popularity of holiday shopping online, retailers have even launched Cyber Monday to compliment the Black Friday sales day. However, is it really cheaper and easier to shop online? There is no doubt that shopping online in the comfort of your home is much easier than going to the store, fighting the crowds and hoping they have what you are looking for. In the past, it … Continue reading
10 Common Holiday Shopping Myths
Orange and black decorations don’t get a fair shake. As soon as Oct. 31 passes, they’re thoughtlessly dumped into carts and sold on the curb at a discount just to clear the way for their red and green counterparts. (Or the trendier silver and green this year, as the color fashionistas have announced.) Shoppers everywhere are already lost in a sea of tinsel and twinkling lights, caught up in the holiday hype. As the big shopping days draw near, word … Continue reading
Ways To Battle Rising Credit Card and Debit Card Fees
Times are tough and there are fears of another recession hitting the US economy and the European market. Consumers are afraid and have stopped spending their hard earned money. Meanwhile, big banks are crafting on ways to milk money out of customers that are already pushed to the wall with high health insurance premiums, gas and no increase in salaries. Consumers are presently outraged that bailed out banks using tax payers’ money would even think of raising fees. The banks … Continue reading
15 Great Gift Ideas for Under $5
We know what you’re thinking…gifts for under $5? Yes! You don’t need to spend a fortune to give meaningful gifts, and a $5 gift doesn’t have to be “cheap.” Here are 15 gift ideas that are all under five bucks: A small gift basket: You can find pretty baskets at any dollar store for as low as $1. Fill the basket with a box of tea and a festive mug, or a few dollars worth of Christmas candies and cookies. … Continue reading



