For a society that was meant to be a paperless society after the invention of computers, there sure are a lot of papers we need to keep. But which financial records are necessary to hang on to and when can you get rid of them?
Eco Friendly Lifestyle Ideas That Are Easy on the Wallet and the Environment If you are searching for an eco friendly lifestyle that is easy on the wallet and the environment, you are in the right place! Electing to “Go Green” means that you have made the choice to engage in a lifestyle that is considered to be ecologically responsible and is environmentally-friendly. Unfortunately, many people believe that the tasks and activities that must be engaged in to be considered eco-friendly are expensive. While this may have been true several years ago, it is no longer that way. In fact, many frugal living ideas are centered on the notion of protecting the environment, for less. There are many distinct issues that result in a person’s passion to pursue green eco-friendly ideas. Examples include the excessive trash accumulation in landfills, the increase of greenhouse gases, pollution within the air that we breathe and the world’s […]
5 Ways to Recycle Excess Junk for Extra Cash There are several ways to recycle your belongings in order to earn extra money. If your closets, your drawers, and your cupboards are bursting with personal possessions that you no longer use and/or no longer need, it is considered to be an ideal time to cut ties with those belongings. If you pay for self-storage space for anything other than transitional periods in your life (moving to a new home, getting married, getting divorced, or coping with a death in the family), you may want to consider going through the process of eliminating the excess that is dwindling on your finances. According to statistics, the United States alone has approximately three billion square feet of storage space when it comes to self-storage units. This is approximately eight square feet of space for every individual within the nation. In addition to this, […]
If you are even vaguely familiar with investing, then you have most likely heard the term “day trading.” Of course, there’s a big difference between having heard a term and understanding what it actually means. Day trading is risky business, to be blunt, so you should consider all of the risks associated with it before engaging in it.
Work clothes and uniforms offer a great way of equalizing all employees by making them feel at par. However, wearing the same clothes day in day out can cause them to wear out a lot faster. This, in turn, means extra costs. You’ll always want to buy new because you know they’ll last the longest. You’d rather spend money on other things, so to avoid spending more money than you have to on cheap scrub tops there are options.
When you think of living a minimalist lifestyle, what do you think about? Do you think about Spartan rooms with maybe a mat for sitting and sleeping and nothing else? That’s now how minimalism works in the Western world. The truth is that living a minimalist lifestyle is all about finding how to do the most with the littlest amounts possible. It’s about not letting clutter take over your life and drain your bank account. By now you’ve already learned how to do more with your money. Why not learn how to do more with your stuff?
Upon hearing the words ‘credit card’, some people instantly think about debt. Whilst it’s good to be a little cautious about lending money, as this is what makes a responsible and sensible consumer, you should know that there are many ways in which some credit cards can actually be pretty helpful. In some ways, credit cards can be better than cash. Let’s take a look at a few: Credit cards allow you to spread the cost of a large purchase
There are never any guarantees when it comes to playing the stock market, however; there are some methods of trading that are riskier than others. Buying on margin can be a dangerous game and should only be attempted by the expert stock trader. A person who uses this method to play the stock market, could end up owing more their broker a great deal of money. Many people are really unsure of how buying on a margin works. To understand the risk, a person must know how this type of trading works. By definition, a margin is making an investment on money that is a person doesn’t have, or a borrowed amount. For instance, if a individual has ten thousand dollars in their broker account, they can borrow money against their existing stocks. By borrowing this money, this will allow them to purchase even more stocks than their current monies […]
Here’s a bit of a different type of article. With all the money you save through money saving tips you learn from this blog 🙂 you should be saving more in retirement. Here’s a quick run down on how a Roth IRA works. In 2013, you are allowed to contribute up to $5,500 to your Roth IRA if you are under the age of 50 and $6,500 if you are over the age of 50. The good news is that you only have to be 50 or older for one day during the past year. For example, if you turned 50 on Christmas day, you can contribute an extra $1,000 for 2013. The IRS permits you to have multiple IRAs as long as you do not contribute more than your yearly limit.
Outdoor sporting activities are great family-bonding times as well as an ideal way to stay fit and healthy. However, the cost involved may prohibit parents and their kids from exploring the wide variety of all-season recreational sports that exist. The answer is to scout online for valuable coupons and promotional bargains, which manufacturers provide to introduce their products. Would you like to try snow skiing or backpacking with your kids this year? Exercise is much easier when you do it in the great outdoors, and you will reap the benefits of breathing clean by trekking out to the nearest country or forest environment. Even teenagers can be distracted from their handheld electronic devices if you tempt them to go camping with some new supplies.
When it comes to trading on the Forex market, it seems as though everyone is looking for advice and information that can help them to make the best decisions. The thing is though, the fact that there are so many different interpretations and opinions about the market means that you are always likely to get different advice depending on who you ask. At times one person may be right, at times other advisers may be right. This helps to sum up the volatility and unpredictability of the Forex market so in the long run, it is best for you to develop your own understanding and knowledge of the market and rely on your own decision making process. At least if you do this you will only have yourself to blame if it all goes wrong but conversely, you can take an even greater sense of pride and achievement in obtaining […]
Many people wonder how to find free checking account promotions, and the truth is that finding free checking account promotions can be very easy by taking a few simple yet important steps. Look For Promotions Online
If you’re in debt, you need to do everything you can to balance the books month by month to gradually tip the scales in your favor and get debt free; you need some kind of debt solution plan in other words. If you have web access, and you must have to be reading this of course, then money-saving help is at your fingertips. Most people’s outgoings and income are fairly tightly balanced – in other words, there’s not a lot of room for man-oeuvre. So, often, it’s the really little things that make a difference over time.
There is nothing worse than falling in love with a car that you cannot afford. Expensive cars can have sleek designs and unique features. But if you’re working with a modest budget, you might have to put your dream car on hold. Before pushing a certain type of car out of your mind, consider ways to make the purchase happen. You shouldn’t buy a car that’s outside your budget and risk financial ruin. However, plenty of people with average incomes drive expensive cars. What’s the secret?
This guest post was written by Jason Bushey. Jason writes about credit daily on Creditnet.com. If you were a little overzealous at the checkout counter this holiday season, you might be a little down on yourself come December 26th when the reality of your frivolous holiday hits.
A mortgage — from a French word literally meaning “death contract”, because it was assumed you would die before fully paying it off (no joke!) — is by far the largest debt obligation that most of us will ever take on in our lifetimes. Needless to say, anything that you can do to shave even a small amount off of your mortgage payments will save you a huge amount of money in the long run. So here’s a few ways to do just that: Assume an Existing Mortgage
When addressing personal finance strategies, it is not uncommon for people to start thinking about ways to supplement their ordinary income. However, for most of us, the prospect of additional income is a wonderful concept, but nothing more. It is simply too time-consuming to find a second job, or some sort of activity that brings in enough money to be worth the time. If this is something that interests you, though, you may want to try looking to a source you may not have considered before for supplemental income: the Internet. Of course, it isn’t necessarily easy to make significant additional income online – if that were the case, everybody would be doing it! But, the fact remains that there are moneymaking opportunities on the Internet, and many of them are far less time consuming than other means of earning income. Here are a few specific tips on ways that […]
Times are tough so many people have turned to couponing as a way to save money. The Internet has a plethora of coupons that people can download, print, and use. Here are some great tips on finding coupons online and finding great online deals. The first tip is to use a search engine to look for coupons based on your needs. For example, if you have a new baby then you would want to search for formula and diaper coupons. There are many sites that specialize in categories of coupons.
After intense winds from a hurricane blew far inland and knocked out power in their neighborhood, Gail’s family learned what it was like to live without electricity for a solid week. “At the time we had maybe half a jar of peanut butter, a box of cereal, and a few canned goods in the house,” Gail recalls. “We finally found a store that was open and bought a bunch of items that didn’t need refrigeration. By the time our power was restored, we were thoroughly sick of eating granola bars, pudding cups, and crackers.” The experience prompted Gail to accumulate a stash of nonperishable food items in case of future emergencies, but those items have been gathering dust in her pantry for several years now. Gail believes she should probably throw them out and restock, but she hates to go out again and waste money on food her family may […]
Nothing can be as stressful as finding yourself deep in debt and unable to keep up on your payments. If you find yourself in this situation, it may be time to consider debt consolidation as an option to lighten your debt burden. The main goal of debt consolidation is to lower the amount of bills you need to pay each month to a level that is more manageable. For example, receiving only 2 credit card bills per month instead of 4. Many people find it easier to pay two $50 bills each month than four $25 ones. This also allows you to track the progress you have made paying down your debt much easier. Here are some tips that can help you in your goal to consolidate your debt. It’s time to consolidate credit cards and move on with your financial life! Do a “Cash Out” refinance on your home. […]