Who says that you have to stand in long lines at the mall to buy gifts you can’t afford just because it’s Christmas? Why put yourself further in debt to impress family and friends with expensive presents during the holidays, will they help you out financially when the bill comes at…
14 Money Saving Holiday Budget Tips
It’s the holiday season, and retailers are doing their best to get you to part with what little money you have to spend, so, here are a few money saving holiday budget tips to help you keep control of your money when buying gifts. What’s your holiday spending budget? From now until…
How to Lower Your Personal Debt Ceiling in America
It’s scary what’s going on with our economy. People are out of jobs, losing their homes, struggling to pay bills on time, and put food on the table because they are living paycheck to paycheck. We are in trouble, and if we don’t do something about it things will only get worse. …
12 Smart Budget Tips to Help You Save Money
If you are like most people living paycheck to paycheck in this economy, money is something we worry about. So here are 12 smart budget tips to help save money. Budget Tip #1: First, find out why you make certain decisions about where your money goes. Go to smartaboutmoney.org and take a…
Thrifty Shopping Saves You Money
What’s the difference between shopping at the mall and the thrift store? You save a ton of money shopping at the thrift store. A few years ago many people wouldn’t be caught dead shopping in a place that sells used items. Since the economy has changed, so has the concept of thrift store shopping….
What Is Your FICO Score and How Do You Improve It?
If you are thinking about buying a car or house next year, now is the time to make sure that your FICO score is correct. If your score is 600-640 it means that your credit score is low, and this determines whether or not you will able to get a loan; and if you do…
RESTAURANT WEEK 2011 SAVES YOU MONEY
On your mark, get set, and save money at your favorite restaurant. January kicks of restaurant week which will take place in cities like NYC, DC, Chicago, San Diego, Baltimore, Denver, Philadelphia, Boston, LA, and more. Just check online to see if your cities restaurants participates in this event. Whether, it’s your favorite restaurant that…
What is Your Financial Plan for 2011?
With five days left until the New Year you should be preparing a financial plan for 2011. Your plan should have a budget so you can see exactly where your money is going. In 2011 your goal should be to slash your debt. You need to figure out your wants vs. needs. Do you really…
Dear Santa, Can You Help Us to Get Our Finances Straight?
Dear Santa, it’s been a long year, although we’ve been good; many of us are still struggling financially for various reasons. So if possible, can you help us to get our finances straight? Some of us have lost our jobs and the future does not look too promising. But we are still holding on to…
The Road to Financial Freedom
In order to get on the road to financial freedom we are going to make a few sacrifices. It’s not going to be easy in the beginning however; at the end of this journey we should all reap the benefits of financial freedom. The first thing we have to do is to: Stop our bad…