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Money Saving Tips. Maximize Savings on Everyday Items!

Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!Why, who wouldn't love getting paid to buy products that they use everyday?Here's how I do it.I purchase an item that has a rebate offer (either a store or manufacturer rebate) while it is on sale and use a coupon during purchase. That's it! Using this formula I almost always come out ahead. When all is done, I've gotten back more than I actually paid for the item.Even when I do have to pay for the items like deodorant, shampoo, soap, toothpaste, and toothbrushes it's... Read More

Top 10+ Ways to Jumpstart your New Year?s Finances!

Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access. Mp>* Set up a folder to collect all the important 2004 tax documents which will be arriving soon. Sure to arrive at your house are W-2s, 1099s, mortgage statements, etc. * Set up an appointment with your tax professional early so you get the appointment of your choice. This also... Read More

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?

I think most of us have at some point in our lives. Some how we forget to feed the little piggy. And, like most neglected "pets", your piggy bank will disappear if you don't feed it. A personal budget is important to create financial independence and setting goals for feeding that "piggy bank" should be an important part of your budget!The most successful financial plans allow you to INVEST IN YOURSELF! It just makes good sense. A plan to build financial security should always be considered essential to any budget.Even if you're on a plan to reduce debt, you need... Read More

Budget Planning - Its Elementary My Dear Watson

Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?...Somehow you've ended up lost in the "plastic zone". ' The "plastic zone" is a scary place. But you're not alone. There are millions of people today living the same mysterious life in the plastic zone. Remember green money? You know, that green paper with presidents proudly displayed on them. They have virtually disappeared from the "plastic zone."... Read More

Save Money on your Clothing Budget. Tame the Closet Monster!

Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier. My son wasn't much of a challenge. Thank goodness, he's not "fashion conscious".The girls on the other hand were greatly disappointed in the new methods of clothing acquisition. Freebies, thrift stores, yard sales, consignment shops, and clearance items weren't exactly their style.I found that changing the way I approached them on the subject made things a little easier. For instance we don't buy "used" clothing. We buy "previously owned, unwanted, or gently worn" clothing.I strongly believe that... Read More

More Money? My Cup Runneth Over...But Im Still Thirsty

Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.It's a strange phenomenon. It seems the more money you have, the more you need. It makes perfect sense. Given more money, most people would increase their standard of living. My question is, "If you haven't properly managed the money you have now, how do... Read More

How to Draw a Personal Budget that Works

Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.However, this is not a prudent way of managing your personal financial affairs. Planning your personal financial affairs through prioritization of needs and budgeting income and expenses is the best way to achieving success in managing your financial affairs.It is important first to assess your financial needs in the short, medium and long term. What are your financial objectives? What do you want... Read More

5 Ways to Absolutely Destroy Your Finances!

Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task. (Before continuing, let me be clear that I do not actually recommend such activities-This is a reductio absurdum argument, meant to spur an opposing realization.)#1: Buy everything, yes, everythingYou never know when a neighbor may come over to use your dish towels, so make sure they are Ralph Lauren, less than six months old, and all the same color. While you're at it, buy... Read More

A Fresh Start for Family Finances in 2005

While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.1. Build a BudgetIf you haven't already done so, create a realistic budget.Approximately 85% of your income should be set aside for necessities like housing, food, health care and clothing, according to the professionals at VISA USA.This leaves 15% for entertainment-and something many consumers completely neglect: savings.2. Distinguish "Needs"... Read More

Money Matters: Strengthen Your Marriage by Putting Finances in Order

Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage. Having enough to spend, and to do the things each wants to do, is important to both parties. When couples are not able to do that, then other issues pop up in the relationship. When husband and wife are not on the same page as far as family finances go,... Read More

Organizing Your Finances - Thinking Outside the (Shoe) Box

If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements ? paid and unpaid alike ? as well as a few tax forms, a stray paper clip and a penny. Anything from an old shoebox to a toolbox would do you for this method of personal financial tracking but you can do better... Read More

Kundalini Lessons - Money

I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil. Then you get to come back and start over. :)The last couple of years or so have been a really interesting period, partly through the guidance and help from both Dr. Glenn Morris and Susan Carlson, and... Read More

Know Thy Finances

The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D. Rockefeller--that as a child he was given a monthly allowance from his parents, but upon stipulation that he had to save 10% of it, give away 10% to charity, and account for the rest of it. While his parents required that he record down to the penny where he spent it--you can be a bit more lenient on yourself!Track your spending for 1-2 full monthsUse a program like Quicken to keep track of all your personal... Read More

The Wright Place - Finances

Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.A recent guest on the show Karen Franks, explained how important your credit is and how you should check on it often. 'At least twice a year", says Karen Franks. Checking our credit is one important proactive way we can make sure we are in good financial shape. She also mentioned that many married women have better credit score than their husbands, even if they do not make as much.... Read More

Whats The Truth Behind Your Finances?

Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet. The staggering truth is that of these only 5% are genuinely financially free! You may well see lots of expensive cars driving on our roads and big houses inhabited by the seemingly wealthy, but these houses and cars are not yet paid for.Never in our history has it been so easy to lend money. Banks and building societies are falling over backwards to lend us money. You can sign your life away... Read More

Im Broke, How Can I Afford...

I'm still amazed every time someone comes to me complaining that they don't have any money to put into their business and that they're broke.I mean what have you been doing with your money man?!?Plain Truth: If you don't have any money you won't make it my friend? it's that simple. You have to at least have some money. Say $200-$500. I don't care what the self-styled slick gurus tell you. If you're flat out of cash your dead in the water before you can even start.Now let me tell you another thing?. I DO NOT BELIEVE THAT YOU ARE... Read More

Grocery Savings - Your Kitchen is a Goldmine!

Your food budget is the most flexible area of your household budget. Grocery savings will free up a significant amount of money if you need to balance the budget, or fund your savings accounts.If you haven't figured it out already, your kitchen is a Goldmine. There are numerous ways to reduce the grocery budget and free up funds to use in other areas.How much should you be spending on groceries? The USDA Food Plans at the Center for Nutrition Policy and Promotion suggests that a family of four is currently spending about $100 to $116 per week based on the... Read More

Can You Afford Not To Look After Your Personal Finances?

Investing is a subject a lot of people don't want to think about. And there is good reason for that. Investing seems scary. It either sounds like something only the rich do or something that only a skilled professional can do. But the truth is that investing is something that everyone can and should do-as soon as possible.Why should you start now?Think about this. There are two ways to make money. You can exchange your time for money or you can make your money work for you. Most of us work 40 hours a week. In this case, you are... Read More

The Changing Shape of Family Finances

Super-mumsIt seems that the proof of maternal efforts is no longer found in the pudding ? it's in the spending. Women are increasingly outsourcing personal grooming tasks and the pressure of looking good, feeling healthy, maintaining a tight ship and IQ level has meant that housecleaning and gardening are again fashionable methods to promote the family brand; housewifery is now a career, with all the attitude of 21st century post-feminism. It emerged in a recent BBC report, that a new type of parent was surfacing?.the "manager mum". Manager mums tend to use the internet to save time on tasks and... Read More

Understanding and Controlling Your Finances

Have you ever wondered what it would be like to be able to have complete control over your finances?If you are like most normal people, you have a job. You go to your job every day. Every week or two weeks or month you get a pay check for some amount.You have taxes. The government, in an effort to make your life easier, lifts something like a third of your pay check without your having to do a thing.You have problems. For example, you get a speeding ticket one day, and then your insurance goes up. Or your car blows... Read More

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