6 Tips For Cheaper Checking Accounts
Wed May 26, 2010 | | Posted in Finances Savings
Service charges at big banks and other large financial institutions have risen a lot over the last decade or so. Checking accounts have become particularly expensive for consumers. If you have a checking account at a large bank, make some phone calls to compare fees that might save you a couple of hundred dollars a … Continue Reading »
5 Tips To Get Your Bank To Reduce Fees
Mon May 24, 2010 | | Posted in Finances Savings
Almost all banks need you as a customer. So by default that creates room for you to negotiate with your bank to reduce fees. It’s also easy to request better times. One way doing that is to point out your loyalty to the bank. Mention how long you have been a customer and how many … Continue Reading »
5 Tips How To Outsmart Your Bank
Sat May 22, 2010 | | Posted in Finances Savings
There are ways to outsmart your bank but you have to be organized and go an extra mile to avoid giving it extra fees. Banks will charge you extra for overdraft that can cost you $35. An item from a dollar menu can cost you $36 if you are not careful or just simply lazy. … Continue Reading »
Make Your Budget A Moving Target
Wed May 19, 2010 | | Posted in Finances Savings
It is essential to make a budget and stick to it, but by making saving and spending a moving target. The budget will keep your spending in check. When you categorize saving and spending, don’t force yourself to fully abide by your own rules. One of the best ways is to put a maximum on … Continue Reading »
7-Step Plan To Take Control Of Your Money
Sun May 16, 2010 | | Posted in Finances Savings
Whether we are in recession, depression or booming economy, there are some strategies that, if taken, will always put you on the path of financial success. The only way to truly achieve financial success is to live within your means or better yet beneath your means. If you are in debt, that will give you … Continue Reading »
Budgeting Your Money Should Not Embarrass You
Wed May 12, 2010 | | Posted in Finances Savings
Two years ago, Americans’ saving rate was less than 1%. Today, by some estimates, it has gone up, to a whopping 5%. That’s the most in 15 years. WOW! Good for you America. Keep up the good work. If Braderick Jones can save, so can you. He is a mechanic in the state of Wisconsin. … Continue Reading »
Don’t Overlook How Much Of Your Budget Goes To Gifts
Tue Apr 6, 2010 | | Posted in Finances Savings
Almost everyone buys gifts. There are wedding gifts, birthday gifts, graduation gifts, Christmas gifts, house-warming gifts and [can I say?] only the devil knows what else. Not trying to be religious, God, on the other hand, does not want you to overspend. The dollar amount for the gifts can all add up to an amount … Continue Reading »
Conflicting Reports About Consumers Spending And Saving
Mon Mar 29, 2010 | | Posted in Finances Savings
During the last couple of years, dubbed as the Great/Worst Recession since the great one of the 1930s, there have been some reports, especially recently, questioning the wisdom that consumer behavior has been profoundly changed. Multiple conflicting reports to that effect have come to see the light of the day. The following three reports in … Continue Reading »
Starting In 2010 IRS Will Issue Tax Refunds As Savings Bonds
Sat Mar 6, 2010 | | Posted in Finances Savings
You read it right. Starting in 2010, the IRS will issue tax refunds in the form of savings bonds. That’s an incentive from the government for you to accept the offer or reject it. Most people historically, given a choice when they get the tax refund, will spend all of it or most of it. … Continue Reading »
Keep Track Of Saving Opportunities On Your Mobile Phone
Sun Feb 14, 2010 | | Posted in Finances Savings
My 20-year old son is very much careless about using his debit card. He uses it to buy $3 or $5 worth of fast food just to satisfy his craving for it. He is not careful enough to check his debit account whether he has the money in the account or not. Three times during … Continue Reading »
