Do you have a working budget to help you keep your finances straight? The truth is, most people don’t actively budget for fear that it can be too complicated, too hard to stick with or that their spending will be unduly restricted. Unfortunately, what happens often is people try to take on too much too fast with a complicated budgeting system. Keeping things simple will … [Read more...]

Winter weather is on the way, faster than many of us would like. You may be pulling out coats and jackets while storing swimsuits and shorts, hoping that everything makes it through one more season before needing to be replaced. But if you actively want to save more money this winter, you’ll need to focus on ways to save energy in and around your home; the U.S. Energy … [Read more...]

When you’re feeling overwhelmed by debt, finding a solution to your problems becomes infinitely more difficult. While the ideal way to deal with debt is paying it off, you might not be able to meet your payments right now, resulting in late or missed payments to your creditors. When that happens, you run the risk of fees and penalties and will see a drop in your credit … [Read more...]

Who doesn’t love the ease of online shopping? You can order clothes sitting on your couch, or even groceries while you’re stuck at work. But with all the convenience of online shopping comes the ability to spend more than you would if you were shopping in person. First of all, you have to rely on a credit card or electronic wallet for payment, which isn’t the same as … [Read more...]

Could you imagine living without your cell phone? These days, that mobile device is far beyond a means of making calls, it’s your connection to the internet, the place you play games and the way you stay in touch with the people in your life. But is your cell phone bill costing you too much every month? It doesn’t have to. Stop paying out the nose to check your emails on … [Read more...]