Many people struggle with how much money to spend during the holidays. Making a holiday or Christmas budget is a great way to help you control costs during these times. What people don’t understand is that a holiday budget includes much more than just presents. Let’s take a closer look at the things you should [...]
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In difficult economic times, we all spend considerable time figuring out how to make our paychecks last longer without giving up essentials. Earning additional money can be difficult when part-time jobs are unavailable and temporary positions are too fleeting for reliable earnings. Your family can develop a checklist of 25 methods of saving money that [...]
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If you get sticker shock from something you want but can’t afford, think again. Many prices are negotiable given the right setting, and you may be able to get what you want for less. Just Ask Many people feel uncomfortable or embarrassed about it, but negotiating a price really benefits both parties. A salesperson would [...]
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To Do It Yourself Or Not To Do It Yourself? Are you a do-it-yourself type? Do you aspire to be? With the increased specialization of labor in today’s workforce, the character of the jack-of-all-trades handyman is disappearing. You may want to save money on a job by doing it yourself, but is it always cheaper? [...]
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The classic conundrum: when shopping, do you seek to spend or search for savings? Is it always true that “you get what you pay for”? While you can sometimes find a great product for a lower price, often a lower price means less durability, reliability and value. There are three basic rules of thumb for [...]
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While state minimum car insurance may not be enough for every driver, auto insurance companies can provide cheap car insurance for drivers on tight budgets looking for affordable premiums. All 50 states have financial responsibility laws that require every driver to have a minimum amount of car insurance and provide proof of insurance as well. [...]
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When families try to save money, they usually turn to cutting discretionary spending first. No more dinners out, nights at the movie theater or shopping sprees at the mall. However, most overlook a potential source of significant savings: the grocery bill. Slashing the food budget sounds like a painful task for those in the most [...]
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Of all the things you pay for each month, it’s a good bet your energy bills take up the lion’s share after your rent or mortgage. Whenever you’re tightening your budgetary belt, thinking about ways to decrease your energy use is a particularly useful and painless tactic for limiting your expenses. The first thing to [...]
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Gel pens? A secret code? Paper cut-out letters? These are some unique ways in which you can write a budget. Actually creating a budget, however, is a whole different ballgame. There are a lot of different factors involved, perhaps the most important being that you want to write a budget you can actually stick to [...]
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