8 Reasons To Find Online Shopping Coupons

There is no question that there is a direct correlation between the birth of the Internet and the introduction of online shopping coupons. The sudden surge in popularity and demand of these coupons can be seen in the various online stores that have come into existence quite recently. Their viability is justified by the way how many mainstream commercial establishments have used these types of coupons to implement their online presence. In an economy where every dollar can make a difference, there is no question that any type of savings should be closely scrutinized and considered. Some of the reasons that online shoppers … [Read more...]

7 Top Tips to Reduce Your Power Bill in Summer

If you want to take the heat out of your power bills during the summer months there are some very simple changes you can make to help save the environment and your money. Lighting in your home uses approximately seven percent of your total energy use while your fridge will use a staggering 60 per cent of your total energy bill. 1. Air Conditioning Before you turn the aircon on think about changing your clothes, wearing fewer clothes and having breathable eco-friendly fabrics for bed linen. 2. Lighting Use low wattage lighting and keep lighting minimal as lighting can also contribute to heating a room. 3. The Fridge Fridge … [Read more...]

Money and You – Keeping Your Finances Afloat

The Great Recession of 2008 was a wake up call for millions of Americans and other citizens around the world. Most economists agreed this was the worst economic downturn since the Great Depression of the 1930s. Between 2007 when the recession began and 2009, well over five million jobs were lost – and many of them are never coming back. 2.6 million people filed for bankruptcy. 8.3 million homes were lost to foreclosure. If you were lucky enough not to be one of those affected, you saw these statistics as a cautionary moral tale. “How can I make sure this doesn’t happen to me?” you asked yourself over and over … [Read more...]

What is a 529 College Plan?

If you have decided to save for college and invest in your children’s or grandchildren’s future. A 529 college plan can be an excellent way to save and invest for future college expenses. This guide to a 529 college plan will help you to learn some things that you need to know to help make a decision if a 529 college plan is right for you. What is a 529 College Plan? Congress created 529 college plans in 1996 to encourage and help families to save and invest in their children’s and grandchildren’s college education. 529 college plans are offered by states, universities, and colleges. A 529 college plan also offers some tax … [Read more...]

How to Stop Procrastinating and Start Saving

Times are hard right now. Medical costs are sky-rocketing, jobs are uncertain, and the foreclosure rate is at an all-time high. Now, more than ever, you need a savings account as a safety-net to catch you during financial emergencies. With Social Security and Medicare on the rocks, you should be saving for retirement, too. You know saving is the right thing to do, so why is it so hard to get started? Prioritize If you're like most people, you have the best intentions when it comes to savings. As soon as that extra money shows up, you know you'll put it straight into the bank. The problem is, extra money never seems to show … [Read more...]

Safe Investments for Your Money

One day the DOW was up 275.56 points. That’s great, but the day before it closed down by 100.96 points. You may be looking for ways to hedge against the losses you may be taking from your stock market portfolio, and you have several options to choose from that will be extremely safe investments for your money. Every investment comes with some risk, even government bonds as is evident looking at Europe now. Some investments are more risky than others and can be like gambling in the wrong hands. So consider some of the options in light of your own circumstances and take professional advise if you need to. The Savings … [Read more...]

Which Bank Account Features are Actually Useful?

When you get a new bank account, it is a good idea to sit down and see which features you think are going to be useful. You want to consider all of your options so that you can get an account that is actually helpful to you. Do not compromise on something that is very important to you. Do not get an account that does not give you what you want. There are plenty of bank account options out there, so make sure that you are happy with everything that is being offered to you before you set things up. Below are some of the features that you might want to look for. Online Banking First of all, you need to use online banking. It … [Read more...]

7 Tips to Improve Your Credit Score

People are having more problems than ever with their credit scores not just because of the economy – though that has a lion’s share portion in the blame for the trouble – but also because of past debt and difficulties with repayment. Having a bad credit score is frustrating, even frightening at times. There are many quick fixes being advertised now, but what they don’t tell you is that these are extremely likely to backfire and make bad credit even worse. Improving your credit score takes a bit of time, but it is possible with a few things that should be kept in mind. Watch Your Credit Report Repairing your credit score … [Read more...]

Should Personal Finance Be Taught At School?

Not all that long ago, if a young person wanted spending money, he would find a paper route or a part time job and earn the spending money he desired. His parents were working hard to support the family, and extra money was not available for his wants. He would learn to manage his money by making poor choices that were not all that costly. His money management habits were developed with his own money while he lived in the confines of his parents home. In the twenty-first century, parents provide substantial sums of money to their teens because jobs are scarce, and the students have academic and extracurricular activities … [Read more...]

How to Finish Paying Your Mortgage Years Early

Paying off your mortgage early gives you a huge psychological boost because you own your home free and clear as well as saving you thousands of dollars in interest payments. Most people don’t think they have enough extra cash to make larger mortgage payments each month. There are several ways around this, but the most important thing to know is that every little bit helps. Most mortgages allow for repayment of the principal balance early without any penalty fees, but it is always best to check if they have any penalties for paying off a mortgage early. Pay Towards the Principal Along with making regular mortgage payments … [Read more...]