Money Matters

Impulse spending can create debt before you can blink your eyes.  Impulse spending can increase credit card debt, cause the spender to not have sufficient money to run their household and a host of other issues.   There are some ways to identify if you are guilty of impulse spending. Take a look at some of the signs of impulse spending: Your spouse or partner is complaining that you spend too much money; Your credit card bills are a shock every month; You have more clothes and shoes than is reasonably necessary; You always have the latest gadgets shortly after…

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Parents everywhere are currently preparing their high school students to return back to class.  In the back of their minds (especially those with high school seniors) they are concerned about funding college educations.  Parents everywhere are starting to wonder exactly how they are going to find the money for college for their graduating seniors. Here are some of the options that are available to parents. Grants – Parents who believe that they may be able to obtain federal grants to help their graduating seniors continue their education should fill out a free application for federal student aid (FAFSA).  The earlier…

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In spite of our best efforts to save money, we are often paying for things that we simply should not be paying for.  Consumers who are searching for small ways to make a dent in their spending habits should take a look at some things that you should never pay for. These include: Cell Phones - Stop and think about this expense before you pay big money for a cell phone. Many cell companies offer free telephones with their service. In fact, many also allow you to upgrade your phone from time to time without additional cost. Another great way…

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As our communities restrict the types of items that we may put in our general trash, it becomes more difficult for us to recycle televisions, computers, and other recyclables. In many communities, you have to pay a fee to dispose of these types of items. However, there are people in communities who may be able to put that old television or computer to use. These people can be found on your local Freecycle list. What is freecycle? Freecycle is a a community e-mail list, of people in your general area that allows the users to post items that they no…

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The more difficult it is to budget our finances, the less likely we are to budget our savings. There are some really simple things that you can do to build your savings plan without having to squeeze out another penny from your current budget. 1.  One of the easiest ways to save money is to cut back something that is not necessary and put the typical cost into savings. This could include cutting back on your cable television, carrying  your lunch to work instead of buying it, or cutting out your morning coffee at the local coffee shop. 2. Recycling…

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While it is becoming more important for us to save money, it also is becoming more challenging. Trying to stretch the same paycheck across higher expenses is a challenge whether you are single or have a family. There are some simple ways that you can save money on everyday expenses. While it may not always be painless, in the long run it will allow you to add to your savings and save for your future, or your dreams. You will find a number of links in this post – each of them applies to various ways to help you grow…

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