Archive for January, 2009
One Simple Step to Pay Off Your Mortgage
Society has designed the system so that you will be in debt for most of your life – all of it if you plan right. The mortgage industry has developed loans that will allow people to borrow more – which have pushed up the price of houses, requiring people to pay more for less house. [...]
Saving Money by Making a Menu
Budget saving ideas usually involve some organization. My husband will be the first to raise his hand and tell you I was not born organized (or orderly – nearly drove him batty for the first 14 years of our marriage). Since food is the place we seem to spend the most of our money, I’m [...]
Free Money Around the Home
Everyone wants something for nothing. Free is a word that will get your attention. Free money really perks up the ears – but there’s always that cautious nature that looks for the fine print. The truth is that we all have free money sitting around our homes today. 1. Dig out that old “Add-a-bead” necklace [...]
Add to Your Income Without Doing a Thing
Checking accounts are getting more competitive every day. It use to be that banks felt comfortable just using your money without any compensation for you, but not anymore. Now they are working hard to win over and keep their customers. You are the one that benefits. 1. Traditional Checking Accounts – not only do the [...]
6 Tips for Spending That Refund
The idea of getting a huge check from the government is always exciting (even it if is your money to begin with). It is fun to have a windfall, but are you using that money to benefit you the most? 1. Pay it back. If you only tithe or donate off of you net income [...]
Save Money While Eating Out
It’s great to find ways to save money and avoiding eating out is always top on my list of suggestions. But with ballgames, church gatherings, and other events crowding the schedule it can be hard avoiding the local restaurants. The good news is that you CAN eat out and still save some money. You just [...]
Confession of Credit Card Misuse
This is my confession. Rebate offers and cash back plans finally won me over and we got a credit card. For a long time, we paid it off every single month, without question. Having the credit card was a blessing (easier to keep up with spending AND the cash back program paid for Christmas). The [...]
Financial Security is Just a Change Away
The number one concern that most married couples has is money – and I haven’t met a couple yet that was concerned because they had too much of it. Money (or lack of it) is one of the leading causes of divorce in America today. The overwhelming need for financial security seems to be embedded [...]
Budget During Crisis
There is one way you are sure to never successfully overcome a problem – and that is to try and ignore it. Even if you can bury it for a while, it will find a way to dig itself to freedom. This is especially true with finances. Recently we went from a household income of [...]
5 Free (or Nearly Free) Things for the Family
Saving your money doesn’t mean avoiding fun and excitement. There are plenty of things that you can do (yes with a family) that will cost you little or no money. 1. Rent a movie – FROM THE LIBRARY. It’s free and often if they don’t have the movie you are looking for you can request [...]