Blog Archives

How to easily erase late fees

How to easily erase late fees
Why you need to ax the late fees Simply put: They're expensive. Consider the following penalties for missing a credit card payment: According to IndexCreditCards.com, issuers nationwide charge up to $39 in credit card late fees. You'll continue to receive a late fee each month that your payment is late. Default interest rates mean you can be charged at a penalty rate that is double or triple your regular rate. If you have a special balance transfer

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Extreme Couponing returns to TLC

Extreme Couponing returns to TLC
The Extreme Couponing special on TLC in December had us wide-eyed and amazed at the ways so-called "super couponers" saved hundreds – even thousands – on their grocery store trips. Now, TLC is bringing Extreme Couponing back as a weekly show, starting Wed. April 6. We have to admit, the first Extreme Couponing special got us pumped to save money on our own grocery trips. We took a few of the tips and have saved a bunch of green in the process.

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Holiday savings: Save money shopping online

Holiday savings: Save money shopping online
Save money on holiday gifts by shopping online Used judiciously, discount codes – those short strings of numbers and letters retailers make available to their customers to qualify them for various discounts – ??n dramatically cut online holiday shopping costs. But to get the most bang for your family's Internet shopping buck, you need to understand the fine art of online shopping. Tips to stay in control of your family's online holiday shopping

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Frugal families: 15 ways to save

Frugal families: 15 ways to save
Let's get something straight: Living a frugal life does not mean living on the cheap side of town! Frugal, by definition, is about the wise and creative use of resources, materials and time. Being wise in our use of dollars does not always call for buying the least expensive item available. For instance, buying a very cheap appliance might mean repairing it more often, or even replacing it more quickly. Frugal living, in other words, is about knowing

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7 ways to save money without sacrificing your lifestyle

7 ways to save money without sacrificing your lifestyle
The challenge to save money without changing your family's standard of living can be easier than you think. But you can't expect to go at it alone. "What many people don't realize is that saving money and changing how you spend your money is something that should include the entire family," says Linda Vertlieb of Frugal Philly Mom. "Emphasize to your entire household the importance of setting your budget, ways of sticking to it and your goals as

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Reduce your energy costs with these money-saving tips

Reduce your energy costs with these money-saving tips
Luckily, there are things you can do to cut back on your energy bills. For example, did you know that new lighting technologies can reduce your lighting energy expense by 50-75%? The Leviton Institute recommends you try some of the simple, inexpensive changes listed below. They can put you on the path toward lower energy bills, as well as helping the environment. 1. Light Bulbs: Use compact fluorescent bulbs (CFLs) in place of incandescent bulbs

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6 Online budget and money tools

6 Online budget and money tools
Do you find that you're disappointed every year because you never seem to have enough money to do things that are important to you and your family? Start a tracking program to find out where your money is going. Online budget tool One of the best is the checkbook method for keeping track of checks, cash and credit purchases. The directions are simple and are available at the BudgetTracker. When you have a good idea of how you're spending your money,

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Smart ways to spend your tax refund check

Smart ways to spend your tax refund check
If you are like many Americans, you may be in a rush to get your tax refund check -- but a refund anticipation loan is not always a good idea. "If you need quick cash, arranging a short-term loan with a financial service provider usually is less costly than a refund anticipation loan, which typically has a higher interest rate and loan processing fee or fees," Young said. "Simply put, a refund anticipation loan requires a taxpayer to pay a hefty

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Working Mom 3.0: Work at home, spend less

Working Mom 3.0: Work at home, spend less
When I left my full-time career to become a stay-at-home working mom, my mind was fixated on how to save money. It's a common fear that many of my working mom friends express when contemplating a career change to spend more time with their kids. Money is a personal matter, and without question, every family has different financial obligations to consider. However, it's been a year since I've been self-employed, and I can personally attest that while

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10 Ways to save on prom costs

10 Ways to save on prom costs
Parents and teenagers find that saving money on prom dresses, grooming, food and other incidentals during the prom season can be difficult, according to Debra Pankow, PhD, assistant professor of child development and family science at North Dakota State University.   Average costs of prom For approximately four years, Pankow has surveyed North Dakota high school students to calculate prom costs. In 2004, couples attending prom in the state spent

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