Paying Yourself First

pay yourself

Cash emergencies happen to the best of us. One way to mitigate the risk of a cash crunch is to do what financial gurus call “paying yourself first.” This means that you spend time finding ways to creatively put away money into some sort of a savings account without ever noticing the money being diverted away. Putting a little extra money away each [continue reading…]

Living on Discounts


When faced with a budget crunch, the smart thing to do is to look for ways to cut down on monthly expenses. Now it should be prefaced that this is something that every individual should do, regardless of [continue reading…]

Postpaid or Prepaid Cell Phones


Today, practically everyone is mobile. In fact, a lot of people have gone completely mobile by disconnecting their landline altogether and just using their mobile phone. The cost for mobile phone service can get [continue reading…]

Increasing Your Buying Power

spending power

Just about everyone understands the fact that the more you buy of an item, the more you can potentially save per item. There is no place where this is more vivid than at the grocery store. You will notice promotions where you can [continue reading…]

Financial Solutions for the Unemployed

unemployed There’s never a good time to be unemployed, but the slow economy and weak job creation rates make it particularly difficult to find work right now. As anyone who has found themselves unexpectedly without a job knows, the bills do not stop piling up just because you lose your job. Unfortunately, it can be very easy to get into a financial crisis without a job, especially if you are one of millions of people without enough savings to pay your bills. [continue reading…]

Saving on Gas

saving on gas

In this day and age the car is one of the most essential pieces of property that a person can own. For most people, their car gets them to work, to the grocery store, and everywhere else in between. We have become completely dependent on the car to get just about everywhere. The problem is this dependency comes at a cost and that is the cost of [continue reading…]

9 Tips for Going Green on a Budget

green Going green is all the rage lately. People want to help the environment and protect their families’ health – but the cost of organic foods, hybrid cars, and solar power are prohibitive for most people. Many blogs and articles about going green promote making changes that people with very little discretionary income just can’t afford. [continue reading…]

How to Handle a Financial Crisis

crisis If you have found yourself blindsided by a financial emergency, you are not alone. Job losses, medical expenses, emergency home repairs, or other unexpected changes can be devastating. The stress can pile up quickly as you struggle to pay your rent or mortgage, put food on the table, and keep the utilities on. However, some simple strategies for coping with emergency financial situations like this can help you reduce stress and effectively manage your budget. [continue reading…]

8 Ways to Minimize Energy Costs

thermostat Economic times are tough, and summer’s heat or winter’s chill can cause your energy bills to skyrocket. Though going without air conditioning may be doable for some hardy souls, going without heat in the winter probably is not. The good news is you needn’t give up either to be able to make a significant difference in your next energy bill. [continue reading…]

How To Lower Transportation Expenses

Car Expenses Owning a car is convenient – and sometimes downright necessary – but the expenses related to car ownership can be a major challenge for many people. When money is tight, there are steps you can take to reduce how much you pour into the transportation part of your budget. [continue reading…]

Taking A New Look At Thrift Shops

Thrift Store Almost everyone has a thrift shop (or several) in the area that they live in. Many people have discovered the joys of shopping secondhand, for the unique finds as well as the great bargains. Making “thrifting” a way of life can save anyone money, regardless of his or her financial situation. In addition, buying used items is environmentally friendly. Does thrifting have to mean ratty, faded clothes that haven’t been in style since you were in middle school? [continue reading…]