budgeting tips
Three women mock-dumpster diving for grocery store coupons.

Tame grocery budgets with extreme couponing and other tricks

Saving money can be rigorous, but the rewards are ample. This is particularly true with your grocery budget. Tricks of the trade like “extreme couponing,” stockpiling and waiting for sales and clearance may seem like a bother at first, but the money saved and the pounds lost are worth the effort. Kathy Spencer knows how
Riverfront Park Spokane - Fun on a budget

Yes You Can Have Fun on a Budget

  If you’re looking to have fun on a budget this summer, but are burdened by a miniscule budget, consider what your community has to offer. A little creativity and a community activity guide can lead you to free fun in no time. Here are some ideas about how to have family fun without spending
Smiling woman planning a budget.

Five problems to avoid when planning a budget

Designing a well-framed budget is not an easy task. You need to have a keen sense of planning and be systematic when handling your finances. Without a proper approach, your budget planning is likely to fail. You may be faced with a list of problems while planning a budget, but if you want to have

Things that cost more in the winter months

Many things affect the price of consumer goods at any given time of the year. As the seasons change, retailers will clear out old stock to make way for the items that will be selling next month. Knowing when to buy and when to pass is a bargain-hunter’s skill, honed with experience and observation. Below
Open Enrollment

Open enrollment time for health insurance has come

Open-enrollment season is nearly over for most employer-sponsored health plans. It is the one chance for a year employees have to change their health insurance policies. If you get health insurance as a workplace benefit, it may be worth taking a close look at  your needs and your policy. And there’s no time to delay.
A nine-year-old boy talks on a cell phone. He's holding a Pepsi can in his other hand, and there's a red Boston Red Sox baseball cap on his head.

Kids and cellphones: Knowing when the time is right

Many parents wrestle with whether a child should have a cellphone, and some will cave beneath the social pressure and make the purchase. If you’re a parent teetering on the edge of a cellphone buying decision, consider some advice on kids and cellphones, courtesy of the National Consumers League. Kids using cellphones: They’re getting younger
Shiny penny

Tips for staying on budget when the urge gets to be too much

The economic crisis affects most of us every day as we tighten our belts and keep our wallets in check. But like a dieter craving sweets, temptation is always there to consume beyond our means. Thankfully, there are simple things you can do when the cravings get to be too much. Think ahead Thinking long
A man and woman are in the middle of an argument.

How to avoid money arguments, for couples

Loving relationships are built on a foundation of trust. For couples to live happily ever after, they must be able to trust one another with sensitive information, including knowledge of personal finances. If a couple isn’t on the same page – if they’re fighting about money – dark times lie ahead. Jill Gianola, a registered
A piggy bank graphic depicting all the areas consumers should consider when it comes to making a personal budget.

Making a personal budget: Know the ins and outs

Making a personal budget is an essential element of being financially stable, yet 94 percent of Americans wish they were better at it, says the Financial Planning blog. Building a successful spending plan requires that all regular and semi-regular expenses are accounted for, yet people still tend to forget things that can sink a budget
negotiating home repair

Negotiating for better deals: a talent learned from the recession

A positive side effect of the recession for many Americans is learning how to negotiate for better deals. Dickering on price is ingrained in many cultures, but Americans traditionally negotiate only on cars and houses. However, tough economic times have an affect on sellers as well as buyers. Businesses in home repair, car repair and
money to burn

Stimulate your economy: Spend that payroll tax holiday

The payroll tax holiday is giving everyone with a paycheck a 2 percent raise for the next two years. Personal finance advisers suggest using that extra money to pay down debt, but the government hopes you will spend it to stimulate the economy. If you’re like most people, you will spend it, so spend it
financial goals

Ensure your happy new year with a year-end financial checklist

Now is the time to get your personal finances in order. A new year is a good occasion for tying up loose ends on your financial checklist. Get off to a good start in 2011 by taking care of tax issues and re-evaluating your financial priorities. What to put on your year-end financial checklist Take
Man using a computer and holding up a past due bill.

Don’t sabotage your credit score! Make a budget and stick to it

Your credit score is affected by many factors, including missed bill payments. In fact, missed payments can hurt you more than other bad financial moves. To prevent late bill payments, plan how you will spend your money carefully by creating a personal budget. Protect your credit score Your credit score follows you wherever you go.

Create a personal budget when you get short term cash advances

The best way to get the most out of short term credit is to create a personal budget. Nobody wants to be on a budget. But everybody has to be on one, no matter how much money they make. When short term cash advances or payday loans become part of your financial strategy, controlling spending
Improve your NetworthIQ with the help of instant cash.

Can instant cash improve your NetworthIQ?

A mountain of instant cash is sure to improve your net worth, but most of us do not stumble upon piles of dollar bills. Accumulating wealth is hard work, and many people don’t know where to start when it comes to savings. Do you really know what it takes to increase your net worth? More

3 Easy Ways to Makeover Your Apartment on a Budget

So you’ve been living in the same apartment for years now. Don’t you think it’s about time for a makeover? Just because you don’t live in a house you own doesn’t mean you can’t chic things up a bit. There are ways – simple and cheap – to transform your apartment into a stylish pad

Talking to Your Partner about Money

No matter how different your usual money management styles may be, having the ability to compromise and work as a team will eventually lead to financial comfort and stability for any couple. Many couples are clueless as to how to resolve their financial setbacks, which can sometimes evolve into other big problems that both parties