Holiday Shopping Tips to Avoid Debt

The holiday shopping season is almost here!  With Black Friday just around the corner, you can use these tips to help you stay out of debt while buying gifts for all your friends and family this year.
Set a budget: Obviously if you have credit card debt now, you don’t want to elevate those numbers. Remember, your credit [...]

Personal Budgeting Styles & Tools

Personal budgeting can be a different process for each person.  When I talked about how personal budget tracking can save you money, I used an example of how my employer saves money by tracking each piece of paper we print.
I showed how the act of tracking each job before it’s printed and assigning it to [...]

Personal Budget Tracking Creates Results

Does your personal budget have holes in it, where the money just oozes out without you realizing it?  Do you have a system in place to track how the money in your budget is actually spent?
If not, here’s a story that might convince you to track your money more closely. It begins several years ago [...]

Save Money at the Movie Theatre with Discounted & Free Tickets

Who doesn’t love love going to the movies? There is something special about watching a great movie at the movie theater for the first time, rather than seeing it on television. There’s something mystical about watching it with a crowd of people, booming sound, and a picture that’s 50 feet long and 20 feet high. [...]

Earn Extra Money For the Holidays – 10 Ways to Boost Your Gift Budget

It’s hard not to break out the credit cards during the holidays when you don’t have any extra money to buy gifts. Budgeting and planning ahead of time for Christmas gift shopping is the key to staying away from getting into holiday debt. However, some of you have budgets that are too tight to save extra [...]

Christmas Budgeting – Building A Christmas Fund

Halloween is over, Thanksgiving is around the corner, and the biggest shopping season of the year is close to follow.  The shopping in November and December is what keeps financial planners and debt counselors employed. 
Budgeting for Christmas Gifts
Many people go nuts with Christmas and holiday shopping.  I know I’m guilty of it; I tend to [...]

Mobile Shopping Review: Save Money By Shopping With Your Cell Phone

Mobile shopping can save you both time and money.  You can use your cell phone to help you shop around and get the best deal possible or you can use your mobile device to purchase things online.
The use of your cell phone to help you shop and get better deals is quickly catching on with younger [...]

Joint Checking Accounts for Married Couples: The Great Debate Over Joint vs. Separate Bank Accounts

Whether you are newly married or you’ve been married for 20 years, the debate over joint versus separate bank accounts is a hot topic among married couples. Some couples swear by separate bank accounts, and other couples think joint accounts are the only way to go. I’ll give you my opinion over the [...]

Guide to Budgeting & Tracking Money For Newlyweds

Do you often wonder where you money goes? Do you struggle to save money after all of your bills are paid? The problem is your budget, or lack of a budget. Less than 5% of the households in the United States keep a consistent household budget, and that is why 95% of [...]

Budgeting & Money Management Tools for College Students

For many of us college is our first experience with managing our finances completely on our own – and it can be difficult to keep everything straight. There are several cheap and easy ways to manage your money effectively without spending a lot of time on it. Here are some tools and tactics for managing [...]

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