5 Ways to Save on Car Insurance Costs

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Auto insurance costs can be affected more by outside factors than most other things we buy. Sure, we can shop companies, study various policies and provisions, but the real cost of the plan we select will have more to do with us—how we buy insurance, how we behave while driving, and even what type of [...]

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Is Buying Groceries in Bulk at Wholesale Clubs Always Cheaper?

April 18, 2011

My wife and I split many household chores and one of them is grocery shopping. I handle the food warehouse and she tackles the traditional chain grocery store runs. We’ve found we need both, since neither has the best deals all the time. I realize that conventional shopping wisdom holds that food warehouses—Sam’s, Costco, BJ’s, [...]

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5 Better Uses for Your Tax Refund Money

March 31, 2011

A tax refund is something of an annual windfall in many households, and the tendency is often to spend it on long delayed purchases. While spending it immediately can be beneficial, it’s important to consider the options that are available and to realize that some are better than others. Since tax refunds are so common, [...]

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Do We Spend More Money When We Use Credit Cards?

March 23, 2011

There are different opinions when it comes to credit cards. Some people, usually those who have gotten over-extended or had a major issue with one or more card companies, have come to see them as debt enablers and therefore as something to be avoided. Others marvel at the convenience and the various rewards programs that [...]

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Where Are Your Kids Learning About Money?

March 7, 2011

Kids learn about a lot of subjects in school, but personal money management isn’t on the agenda. By the time they finish high school, they won’t have been taught basic financial survival skills such as budgeting, paying bills on time, saving for retirement or even balancing a check book. They won’t learn any of that [...]

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The Best Gift Cards to Give When You’re Out of Ideas

February 21, 2011

Many times we think of gift cards as one step short of “I forgot to get you a gift, so I got you one of these”. And while there may even be a lot of truth to that assumption, some gift cards are more welcome than others. In fact, there are some gift cards we [...]

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6 Tips For How to Sell Your House By Owner Fast, Even in a Bad Market

February 9, 2011

Some evidence is beginning to trickle in of a rebound in housing. How much of an improvement depends largely on where you live, though it seems that most markets continue to be sluggish. It’s still a tough time to sell a house! So if you need to sell your home, either to move to another [...]

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Lifestyle Inflation – Where Financial Disaster Starts

January 31, 2011

Remember early in your life when you didn’t have much money, didn’t make much money and maybe didn’t know quite how? You probably lived on hope, hobbies and friendships more than anything, but somehow there was a sense of purpose in the middle of the struggle that not only kept you going, but it probably [...]

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What is the Best Investment Option? Invest in Yourself!

January 24, 2011

Most of us think of investing in terms of stocks, bonds, real estate, retirement plans, investment portfolios, investment allocations—the usual topics of discussion on the subject. When we get into this discussion, the concept of investing can be reduced to a math equation—how much do we invest here, what’s the expected rate of return, etc. [...]

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How to Pay Off Your Mortgage Early – And Why It’s a Priority

January 17, 2011

The habit of homeowners in recent years has been to keep their homes in a perpetual state of debt. There are after all, tax advantages to mortgage debt that lesser forms of debt don’t share. And houses have been—until recently at least—appreciating assets that will wipe out debt in an eventual sale. Not to worry [...]

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