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Let’s Party! Entertaining on a Budget

[vc_row][vc_column][vc_custom_heading text=”Let’s Party! Entertaining on a Budget”][vc_single_image image=”600″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Enjoying the long, carefree days of summer by hosting a get-together gives you and your friends and family an event to anticipate. Home entertaining can get expensive, though, when you factor in how much money it takes to please a crowd. The cost of good eats, drinks, decorations and entertainment puts a dent in even the most balanced of budgets. But entertaining on a budget doesn’t have to be tricky. Try the following money-saving tips for your summer party, and you’ll soon find yourself gladly putting out the welcome mat.

Make it homemade

Sure, catering your event is much easier, and who wants to cook in the heat? But placing an order can get expensive. Tacked on to the cost of the food is the labor involved in preparing your order, as well as a delivery charge, and since you often pay by the person, those no-shows can cost you a lot of money. So that you’re not overwhelmed on the day of the event, begin preparing the food a few days before–preferably during cooler times of the day like morning and night. Recruit friends and family members to help out, if you’re not handy in the kitchen. When planning your menu, remember this is a simple summer get-together, so gourmet isn’t necessary. Keep in mind that some of the best crowd-pleasers are fairly inexpensive to prepare—like macaroni and cheese, chili, and of course old standbys like burgers and hot dogs.

Set an alcohol budget

One area where costs can quickly skyrocket is with alcohol. While it’s not necessary to insist on BOB, you can set a limit on how much money you are willing to spend on beer, wine and liquor. Figure on two to three drinks per guest, and then buy that much alcohol. Inform those attending of what you’ll have on hand, inviting them to bring additional, if they prefer.
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Plan a progressive party

One way to spread around the cost of food and drink and keep things entertaining is to throw a progressive dinner party. Such events take the potluck idea to a whole new level. You visit several homes in the same evening or afternoon and enjoy a different course at each house. Everyone could start at your house for drinks and hors d’oeuvres, go next door for the main course and then walk down the street for dessert. Such parties generally work best within neighborhoods, so that guests can easily move from one house or apartment to the next.

Decorate on a dime

No need to spend a small fortune on party decorations. If you’re holding the festivities outdoors and the backyard is in full bloom, use the garden as a backdrop and simply cut a bouquet of flowers and put it on the table. Or perhaps you have a bounty from the vegetable garden like tomatoes and squash. Pick the produce, place it in a decorative bowl, and you have an instant centerpiece. Also take a look in your cupboards for long forgotten items that you put away planning to use them “someday,” like candles, cloth napkins and decorative tablecloths. And get creative by re-purposing items in your home. For instance, if you don’t have the right color tablecloth, try a sheet or blanket instead.

Ask friends and family to show off

Rather than spend money on professional entertainment, ask guests ahead of time if they’d like to share their talents. Perhaps you have a music lover in the group who would like to play disc jockey for the night? Or maybe there’s a guitarist or violinist in your midst who would love an audience. You might find during the party that a star is born. Now that you know how to throw a summer get-together that won’t break the bank, send out your invitations and get the party started.
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Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: Public Domain Photos[/vc_column_text][/vc_column][/vc_row]
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Save Money: Become a Farmer

[vc_row][vc_column][vc_custom_heading text=”Save Money: Become a Farmer”][vc_single_image image=”598″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]You don’t really have to become a farmer to save money, but starting a gardening hobby could save you money on groceries. Have a bare patch of ground out back or room on your patio for potted plants? Save a surprising amount of money by using the space to grow produce. According to the National Garden Bureau, the average home food garden yields $600 in produce per year. Even if you only have the room and time to grow a few fruits and veggies, you’ll soon reap the savings. Make your own jams and jellies, grow your own herbs, make your own spices… Consider the following tips for cashing in on growing your own fruits and veggies.

Choose your favorites

Just because everyone in your neighborhood is growing squash doesn’t mean you have to—especially if you don’t like squash or eat it infrequently. Instead, grow and harvest those foods you most enjoy. You’ll be more likely to use the produce and will save money at the grocery store. Something that’s always a good idea to grow at home is tomatoes. Versatile for pasta, sauces, soups and salads, you might be constantly spending money on them. Heirloom tomatoes in the grocery store can cost $3 a pound, but if you learn how, you can grow and harvest your own for just pennies a piece.

Grow expensive fruits and vegetables

Especially if space is limited, be particular about what you grow. If you use pricey produce like herbs, organic berries, specialty peppers or English cucumbers, opt for farming those items, as opposed to less costly produce like cabbage. In the case of herbs, growing them fresh is also economical. You can pick a single sprig of basil or rosemary from the garden, instead of buying, and wasting, a bunch from the store.

Start small

If you’re new to gardening or are short on time, avoid overwhelming yourself and taking on more than you’re able to handle. Begin with a small plot of land or three or four pots of herbs. Success with a limited amount of crops is better than failing with a lot. Once you master a few crops, try adding more.
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Garden intensively

Dating back to the 1890s in France, the process of intensive gardening—which involves growing crops close together to maximize space—has an American version known as square foot gardening that appeared in 1981. This method requires that you install square raised beds, such as 4 x 4-foot plots. Within square foot beds you can also install trellises, further saving space by growing produce vertically. In square foot beds, you can plant a wide variety of produce. This tactic also saves on water and fertilizer, as you’re farming a much smaller area.

Seeds vs. Transplants

When you have the time and you require several plants, seeds are your least expensive option. With an average seed packet costing around $2 and a typical transplant (the little potted starts) costing the same or more, the savings can be substantial. If you have limited growing time or you only need one or two plants, transplants are more economical. Something else to consider, though, is what you want to grow.

Curb setup costs

Though gardening tends to be one of the least expensive hobbies, there are still a lot of gadgets and tools associated with the pursuit. In the spring/summer months, check the dollar store for the basics: garden gloves, a hand trowel, shears, etc. Don’t forget potting soil or planter mix, an all-purpose fertilizer and containers or a shovel, if you’ll be planting in the ground. Also consider gardening organically by using free homemade compost as your fertilizer. The bonus of growing naturally is organic produce is generally more expensive in the grocery store than traditionally grown crops, so you’ll save even more money growing your own.

Take care of your investment

After putting time and money into your garden, make sure your plot thrives with regular maintenance. Keep the fruit and vegetables picked, fertilized, and make sure to water your crops regularly. Save money on your water bill by collecting precipitation in a rain barrel and using it to water your garden when it’s not raining.
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Now that you know how to cultivate your own produce, you can watch your garden and savings grow. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: cafemama[/vc_column_text][/vc_column][/vc_row]
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Ready, Set, Launch! Teach Your Teen Financial Responsibility

[vc_row][vc_column][vc_custom_heading text=”Ready, Set, Launch! Teach Your Teen Financial Responsibility”][vc_single_image image=”595″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Parents of teens often wonder if the sage life advice they attempt to impart rubs off on their children. Your kids may not listen to you about brushing their teeth or driving too fast, but their ears are likely to perk up when you talk cash. Take advantage of this interest in finances by teaching your teen some valuable money management lessons, and you’ll do yourself and your child a favor. With some direction, your son or daughter will make a sound financial launch and be less likely to call home for cash after leaving the nest. You may live in a state that teaches financial literacy in school, but take some time to impart these basic lessons in financial responsibility before your teen leaves home.

Develop a budget

All sound financial plans start with a workable budget. The fact that your teen most likely has a small amount of money to manage is a benefit, as any mistakes made will have minimal impact but teach lifelong financial lessons. Review your teen’s income sources, such as allowances, monetary gifts, or a part time job, as well as expenses, including spending money and savings. Have your child subtract the expenses from the income and discuss the results. If there is a surplus, can your child save more for something he or she really wants? And if there is a deficit, discuss ways of cutting expenses. Budgeting can be done on paper or use one of the many online tools available.

Discuss savings options

Most likely your child has a standard savings account. Now is the time to talk about the advantages and disadvantages of more complex savings vehicles and perhaps open up such an account. Explain the differences between regular savings, money market accounts and certificates of deposit and their various uses. If your child is two years away from college and CD interest rates are attractive, for instance, this may be a good time to open a 24-month CD and deposit college savings money.
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When your teen has a job, also teach long-range financial planning by opening up a retirement account in his or her name, such as a minor Roth IRA.

Teach price consciousness

Since teens are used to parents paying for everything, it’s often eye-opening when they see how much things really cost. Have your child pay bills with you a few times, and when you’re grocery shopping, have your teen help you meet your budget. This requires examining prices and making choices. When your child wants a big ticket item, such as an upgraded cell phone, use this opportunity to teach how to research prices and together determine how long it will take to save enough money to buy the phone.

Open a checking account

In order to prepare for the eventual task of paying bills, your teen needs a checking account. A custodial checking account gives you a chance to show how to monitor the account and balance it. Checking accounts generally come with a debit card, which is a good precursor to a credit card.

Start building credit

Once kids have proven themselves with debit cards and reach 18, they are eligible to open a credit card account, which is one of their first steps toward building a credit history. Whether teens are ready for this responsibility depends on various factors, including how well they’ve done with a debit card and if they’ve managed to save money. Use the opportunity of opening a credit card account to discuss credit scores and how credit standing affects your life as an adult.

Stress financial freedom

While it’s good to warn teens about the perils of overusing credit and not saving, it’s best not to overstate the negatives. Take a positive approach and give your child something to aspire to by pointing out young adults who live financially responsible lives and are reaping the benefits. For instance, share the story of a young person who amassed savings and as a result was able to take the summer off to travel around Europe. Have them follow a few personal finance blogs for more real-life tips and stories.
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Now that you have a plan of action, you can get started teaching your teen to live a financially rewarding life. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: thejuniorpartner[/vc_column_text][/vc_column][/vc_row]
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Furnish Your Child’s Dorm Room Cheaply

[vc_row][vc_column][vc_custom_heading text=”Furnish Your Child’s Dorm Room Cheaply”][vc_single_image image=”594″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]As your child prepares to head off to college this fall, you probably want to send all of the comforts of home. After making that first tuition payment, though, your budget is likely stretched tight. The last thing you want or need is a hefty dorm room decor shopping bill. Fortunately, with a little creativity and pre-planning, you can outfit a dorm room without breaking the bank. Try these money-saving tips for furnishing your child’s home away from home.

Start with a list and a budget

Before skewing your idea of what is really necessary by reviewing the many ads circulating at this time of year or the list of dorm “must-haves” sent by the college, write down all of the basics that your student will need, such as bedding, toiletries, task lighting and storage items. Once you have a list of what is truly necessary, you can estimate how much the basics will cost. From there add another 10% to 20% for extras.

Prevent duplication

Check with the school and your child’s roommates before doing any shopping. Many college dorm rooms come with items like mirrors, chairs, desks and shelving, so you don’t need to buy them. And roommates may be bringing items that can be shared by everyone, such as a mini-fridge, microwave or area rug.

Look for used items

Search online for giveaways and inexpensively priced furnishings like lamps, fridges, microwaves, bookcases and chairs. Not paying retail for such items can add up to big savings. Some colleges also feature a recycling facility or allow students to post items for sale or giveaway at a designated location on campus.

Recycle what you already own

Search your basement, attic and even your child’s bedroom for items that can be taken to college. While you don’t want to send irreplaceable treasures, it can pay off to send things like alarm clocks and to use packed away small furniture, like end tables and bookshelves.
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Recycle

Purchase budget towels and bedding

College life is hard on items like sheets, towels, blankets and comforters, so avoid buying top-of-the-line in this area. Instead, choose low- to mid-priced linens, which are likely to hold up but not cost you a bundle. Linens tend to periodically go on sale, so keep your eyes open and stock up.

Decorate inexpensively

Your soon-to-be college student will likely want to make a mark in the dorm room. Decorate on a dime and help prevent homesickness by hanging pictures from painted clothespins and attaching them to the walls, or create a collage out of photos. Affix lightweight items to walls by using a putty-type adhesive that won’t do any damage, as most schools have restrictions on the use of nails in dorm rooms.

Choose plastic storage

The most inexpensive way to add quick and easy storage options to the dorm room is with plastic storage bins, which come in myriad shapes and sizes. There are cabinets with drawers on wheels, interlocking units and bins slim enough to slide under a dorm room bed or small enough to fit in a cupboard. Plastic storage containers also come in a wide variety of color options, making decorating easier.

Hang budget-friendly window coverings

Some colleges don’t supply window coverings, but this is no time to spend what you would at home. Temporary shades or inexpensive curtains will do the job just fine and cost much less than standard window coverings.

Be Realistic

Will your child actually use a lap desk? Just because it sounds like something that would be handy in a dorm room doesn’t mean that it will get used. If your kid currently does homework in bed without a lap desk, save your money and the irritation you’ll experience on a visit when you find the lap desk stuffed away and gathering dust. Buy only those supplies you know your child will actually use.
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Use these tips to save a bundle on dorm room furnishings, and you can spend the savings for visits home. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: MTSOfan[/vc_column_text][/vc_column][/vc_row]
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Gardening with Chickens

In the early 1990s, when I started raising backyard chickens in my Southern California garden, many people thought it an oddity. While they liked trying the eggs, I could tell that even the most adventurous gardeners weren’t quite sure about bringing what were considered farm animals into their yards.

Times have changed. Today the backyard chicken movement is growing stronger every day. As Lisa Steele says in her recent book, Gardening with Chicken: Plans and Plants for You and Your Hens, the move toward a simpler, more sustainable way of life has spurred a burgeoning interest in gardening and chicken keeping.

(Lisa Steele)

For the most part, female chickens are docile creatures intent on three tasks—eating, laying eggs, and for lack of a better term, relieving themselves. While the egg-laying obviously benefits us humans, it turns out that they’re eating and pooping is also beneficial. Because young, healthy chickens produce on average six eggs a week, they’re voracious eaters. The pecking chickens do in the garden is usually hunting for insects, so they keep the garden cleaned up if you have an imbalance of insect pests. And their scratching in the dirt helps keep your soil loose and aerated. In addition, they’re not picky eaters. Let them loose on a weedy area, and they’ll take care of unwanted plants for you.

(Lisa Steele)

Chicken poop is also rich in nutrients, which feeds the soil and creates a nutrient-rich environment for your plants. Steele includes information on how to compost their droppings so that it can serve as a premium, “homegrown” organic fertilizer for your plants.

(Lisa Steele)

 If you’re looking for a great guide on raising chickens in your garden, I suggest getting Steele’s book. Her own flock morphed from three chickens initially to more than three dozen today. Her hens cohabitate with ease in her Maine kitchen garden. She has mastered integrating her garden with her chicken keeping so that both feed off of each other. Her book shows you how to thoughtfully plan out your chicken coop and garden so that everyone wins.
(Lisa Steele)
In her book, Steele, who blogs at Fresh Eggs Daily, guides you through managing a backyard flock and making the most of their various talents. You’ll also learn a great deal about keeping your hens happy and healthy. For instance, she shares how supplements, such as probiotics, support their digestive systems and what herbs to plant in your garden to keep your chickens’ delicate respiratory systems healthy.
(Lisa Steele)
Another new book to check out about gardening with chickens that is also full of great information is Backyard Chickens: Beyond the Basics: Lessons for Expanding Your Flock, Understanding Chicken Behavior, Keeping a Rooster, Adjusting for the Seasons, Staying Healthy, and More!  Julie Bawden-Davis is a garden writer and master gardener, who since 1985 has written for publications such as Organic Gardening, The American Gardener, Wildflower, Better Homes and Gardens and The Los Angeles Times. She is the author of 10 books, including Reader’s Digest Flower Gardening, Fairy Gardening, The Strawberry Story Series, and Indoor Gardening the Organic Way, and is the founder of HealthyHouseplants.com.
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Don’t Get Buried in Student Loan Debt

[vc_row][vc_column][vc_custom_heading text=”Don’t Get Buried in Student Loan Debt”][vc_single_image image=”589″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]If you’re on your way to college this fall so you can get a good job after graduating and become financially fit—listen up. Before accepting those loans commonly encouraged for incoming students, know that it’s possible to become buried in student loan debt before you even attend your first class. With money stretched and college costs constantly rising, so many college-goers have signed on the dotted line that student loan debt in the United States now exceeds $1 trillion dollars. This is some heavy financial baggage for young people just starting out and means paying off loans for many years after you accept your diploma. If you think you have a financial parachute down the road to cling to when necessary by filing bankruptcy, cross that option off your list. Most student loans must be paid back, no matter your financial circumstances. Of course, with the high cost of education, you may need some student loan money to graduate. Keep the following tips in mind for minimizing student loan debt so you can launch your career with the lightest debt load possible.

Devise a budget

The best place to start when it comes to determining how much you really need in loans is to look at your projected costs of attending college, and develop a budget. Besides tuition, determine what you’ll require for books and supplies, living expenses and incidentals. Be thorough when doing this inventory. Once you have a total, add 10 percent to cover the unexpected. From your total monthly monetary requirements, subtract any grants and scholarships and income sources, such as a monthly stipend from your parents. This will give you the remaining amount of money you require.

Generate some income

To help narrow your budget deficit, get a job on or near campus. Many businesses that employ students are willing to work around schedules for good employees. Even if you only have a limited amount of time to dedicate to work and earn a small amount, remember that every dollar earned will save you from paying that dollar back with interest after graduation.
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If your schedule is really crazy and you want to work for yourself from your dorm room, consider the many ways to earn money online, such as writing and selling articles, taking online surveys, becoming a virtual assistant and teaching a skill through an online school.

Avoid over-borrowing

Just because you qualify for a $5,000 loan doesn’t mean you should borrow the entire amount. If you only really need $3,000, then only take out that much. Though the extra $2,000 may seem tempting, do the math to see how much the money will cost you in interest. You’re likely to discover that the cushion is not worth the cost.

Consider your re-payment prowess

Be realistic and take an honest look at your future earning potential in relation to the amount of money you’re considering borrowing. A good rule of thumb is to avoid borrowing more than your starting salary. So if the profession you plan to go into starts at $50,000 a year, keep your student loans under that amount. Also estimate how much your monthly payments will be for your student loans, which is another good indicator of the plausibility of paying off the loans.

Continuously seek grants and scholarships

Grants and scholarships are available throughout the year and don’t just apply to high school seniors. Literally millions of dollars in scholarships are given out each year to deserving students just like you. Keep your eyes open for college scholarship opportunities from local organizations, on educational sites such as College Board.org and Fastweb.com, and check regularly for opportunities with your college’s financial aid office. Try these tactics for avoiding excess student loan debt, and you can graduate from college with a light debt load and a bright future. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: Michael Fleshman
Also, read >  Don’t Defer, Pay Student Loans Early
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Try the Dollar Store for Back to School

[vc_row][vc_column][vc_custom_heading text=”Try the Dollar Store for Back to School”][vc_single_image image=”587″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Like many parents, you may look forward to getting the kids out of the house and back to school but would rather skip the back-to-school shopping trip. Considering the hefty expense of outfitting kids for their school career, it’s not surprising. According to the National Retail Federation’s annual Back-to-School Survey, families with school-aged children will spend an average of $634.78 on supplies, apparel, shoes and electronics this year. Try the dollar store for back to school shopping, and you can save a substantial amount of money on supplies. Consider these tips for making the most out of 99 cent deals.

Do the math

Not sure if visiting the dollar store will add up to substantial savings? Consider the long list of necessary school supplies the school sends, and take out your calculator. If your child requires 20 items, such as erasers, pens, pencils, notebooks, binders and book covers, and you would normally pay an average of $3 for such items elsewhere, that’s a savings of $40. If you have more than one child, the money you save jumps substantially. And this doesn’t take into consideration the deals you can sometimes nab on electronics and apparel.

Look for specials and coupons

Sweeten the deal at the dollar store by keeping your eyes out for coupons and special deals. For instance, Family Dollar and Dollar General offer coupons in fliers and online. A coupon for $5 off $20 worth of merchandise could mean getting school supplies that would cost you $40 elsewhere for just $15.

Consider quality

As you shuffle through the supplies at the dollar store, look for high-quality items that will stand the test of time. Whenever possible, choose name brand items that you know and trust. While a pencil is pretty much a pencil no matter the brand, some items like crayons and markers will work better and last longer if they are a high-quality brand.
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Test the various items you are considering buying. For instance, try putting a book cover on a book, sample markers if possible, see how well the rings open and close on a binder and always zip the zippers.

Shop smart

Not everything you find at the dollar store is a wise purchase for your little one’s school career. If you can’t find name brand bigger ticket items like backpacks and electronics, you may be better off reserving part of your school budget to purchase those items elsewhere. You want a backpack that will easily zip and hold up to the rigors of the coming year, and an algebra calculator that has a viable battery.

Try apparel and shoes

Though it may seem like an uncommon place to find your child a new outfit, you might be surprised at the great deals on apparel and shoes you can find at the dollar store. If your student is young and growing and rough on clothing, a $3 outfit may be just what you need to stretch your budget.

Look for dollar deals everywhere

Supplement your dollar store visit with dollar deal specials at your local department, drug and craft stores. Many retailers advertise loss-leaders specials at this time of year featuring useful items like glue, paper and scissors, and fun additions like gel pens and decorative pencil pouches. Armed with these tips for saving money on back-to-school supplies, you can use the money to enjoy the rest of summer. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: MomMaven[/vc_column_text][/vc_column][/vc_row]
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Our Picks for Healthy, Budget-Friendly Snacks!

[vc_row][vc_column][vc_custom_heading text=”Our Picks for Healthy, Budget-Friendly Snacks!”][vc_single_image image=”585″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]The busy days of fall often require refueling with grab-and-go snacks. Failure to pay close attention to what you’re snacking on, though, can lead to a spike in spending and poor eating habits. While a quick bag of chips or a mocha latte may seem insignificant in the scheme of things, over time you’ll find your discretionary budget shrinking and your belt tightening. Try the following healthy, budget-friendly snacks, and you’ll save money while maintaining energy and curbing fast food cravings.

Fresh fruit and veggies

Noshing on in-season fruits and veggies is a healthy, inexpensive way to satisfy your appetite. Look for upcoming sales on fall fruits like apples, pears and kiwi, which are high in fiber, vitamins and minerals. Bananas are always in season, as are carrots, radishes and celery. Many of these fruits and vegetables need little if any preparation.

Cheese sticks

No, not those breaded appetizers. For healthy snacking purposes, reach for the individually packaged cheese sticks or string cheese. Low moisture, part skim mozzarella cheese sticks tend to be the lowest in calories, but cheddar doesn’t have that much more calories. At about an ounce a piece, cheese sticks contain calcium and around 7 grams of protein.

Popcorn

As long as you don’t drench it in butter or cook it in a lot of oil, popcorn provides you with a low-calorie, high-fiber quick snack that even contains some protein. Three cups of un-buttered air-popped popcorn has just 92 calories. Rather than buying prepackaged popcorn or microwave varieties, save a lot of money by popping your own. Put kernels in a pan with a little bit of oil and heat on the stove, or air pop in a paper bag in the microwave. Celery Peanut

Peanut butter and celery

The combination of high-protein peanut butter with nearly zero-calorie celery makes an inexpensive and refreshing treat that can give you sustained energy. While peanut butter is high in fat, they tend to be “good” omega-3 fatty acids, and the spread also contains iron, magnesium and vitamin B-6.
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Nuts

Nuts like pecans, peanuts and walnuts provide you with savory, good-for-you treats loaded with healthy fats, protein and fiber. Almonds, for instance, contain vitamin E, manganese, magnesium and riboflavin. While nuts can be somewhat pricey to buy, a serving only consists of about ¼ cup, so a bag or tin will last you awhile.

Yogurt

Full of protein, calcium, vitamins like B6 and B12 and probiotics, yogurt makes a quick, yummy snack that is also inexpensive. Plain, nonfat Greek yogurt is your best choice, because it contains very little sugar and provides twice as much protein as other types of yogurt. It also features a smooth, creamy texture, because the liquid whey is strained out during manufacturing. Add flavor to plain yogurt by dressing it up with berries, sliced bananas or a sprinkling of granola.

Tuna and low-fat crackers

Tuna is another food that is high in protein and rich in Omega-3 fatty acids, and when you don’t add a lot of mayonnaise it makes a healthy snack. Pair tuna with a few low-fat crackers, and you have a satisfying, budget-friendly snack. Now that your mouth is watering, snap up some of these inexpensive, good-for-you snacks and get the guilt to go. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: Emily Barney[/vc_column_text][/vc_column][/vc_row]
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5 Completely Free Date Ideas

[vc_row][vc_column][vc_custom_heading text=”5 Completely Free Date Ideas”][vc_single_image image=”582″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Who says dating has to be expensive? A high price tag isn’t necessary to guarantee a good time. With a little imagination and a sense of adventure, you can enjoy the company of your date without ever having to open your wallet. Best of all, such low-pressure dates give you a chance to really get to know one another. Save your money and try these fun, completely free date ideas.

1. Pack a picnic and head for the hills

If there’s a sunny day on the horizon and you enjoy exploring the great outdoors, prepare a picnic lunch and hit a nearby walking trail. This works especially well if you’re a college student living on campus. Use your meal allowance for your picnic spread, slide the food in your backpack and set out on your journey. Prior to your jaunt, do a web search on local wildlife, plants and other sights you’re likely to spot on your trek. Bring your date up to speed on the area’s many amenities, which gives you something to talk about and offers potential destinations for your picnic.

2. Stargaze

Create instant romance by snuggling up on a comfy blanket and studying the constellations. Bring two pairs of binoculars so you and your date can seek out the Big Dipper together. If after some searching you can’t find any constellations, study the moon and comment on what shapes the stars appear to be forming. An alternative to this during a sunny afternoon is cloud spotting, gazing up at the clouds and adding your own commentary–is that a dog up there?

3. People watch

Get comfortable in a public place with a lot of activity, such as a coffee shop or a shopping mall. Watch various people as they interact with one another and make a game of trying to figure out what they are talking about, thinking, or their life circumstances. You’ll most likely be completely wrong when you guess that the gentleman in the black suit is an FBI agent tailing a notorious criminal or the pregnant lady is carry quintuplets, but you’ll have a good laugh, anyway.
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4. Movie Night

A good way to get to know your date is to hold a movie screening where you both watch each other’s favorite movies. After you view both flicks, hold a critique session. Discuss why you like your movie choice and what you liked and didn’t like about your date’s movie, and let him or her do the same. You’re likely to have a lively and enlightening conversation.

5. Go geocaching

Treasure hunts are a blast no matter your age, and the modern form of this ancient sport known as geocaching makes for a fun and free date. This popular activity involves logging onto a geocaching website for information on hidden items in your area, including clues. You go out to search for the items. When you find the cache, you sign into the logbook to prove you were there and have the option of taking one of the treasures and leaving one behind. Besides an adventurous spirit, all you require to go geocaching is a smartphone with GPS functions. There are several geocaching apps for smartphones available. Now that you know how easy it is to enjoy a hot date without spending a dime, you can fill your social schedule up and not worry about breaking your budget. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: moony: stupidly dreamy[/vc_column_text][/vc_column][/vc_row]
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Don’t Defer, Pay Student Loans Early

[vc_row][vc_column][vc_custom_heading text=”Don’t Defer, Pay Student Loans Early”][vc_single_image image=”580″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]With classes to attend and homework to complete, you probably haven’t thought much about paying off your student loans. Deferring payment until after graduation is common practice and easy, but putting off repayment can be costly. Loan capitalization costs If you have an unsubsidized student loan, which starts accruing interest as soon as you take out the loan, waiting until after graduation can mean paying significantly more over the life of the loan. For instance, according to Sallie Mae, if you have a $5,500 loan at 6.8 percent interest and make no payments for four years and during the six-month post-graduation grace period, you’ll end up owing an additional $1,500 in accrued interest. Your amount owed jumps to $7,000 because of capitalization. As the loan’s unpaid interest accumulates and increases the overall loan, you pay even more interest. When you start paying after graduation, your monthly payment is much higher than it would have been if you’d paid interest while in college, which on the loan mentioned here is about $31 per month. Pay even more toward the principal, and you can graduate owing less than the original loan. Of course, making loan payments as a starving student isn’t easy. Try these five tips for coming up with the necessary cash.

1. Shave 10% from your monthly spending

With a lean student budget, it’s likely that you don’t have any big ticket items you can cut in order to make a monthly loan payment. You may be able to slice a small percentage from your overall budget, though, and redirect the savings to your student loans. If you’re living on campus with a meal plan and are spending $50 a week on items like entertainment, supplies and gifts, for instance, try shaving $5 off per week, which amounts to just 72 cents per day. Use the resulting $20 monthly savings to pay down your student loan debt.
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2. Make it automatic

Rather than waiting until the end of the month to come up with a chunk of money to pay toward your student loan, which can be challenging, automate frequent small savings withdrawals. For instance, every Wednesday, have $5 withdrawn from your checking and deposited into your savings account, or have the $5 automatically posted to your student loan account. Many student loan providers will lower your interest rate by about .25 percent if you set up automatic payments, and paying weekly means you make 13 months of payments per year.

3. Earmark cash gifts

When you get a cash gift from family members like your parents or grandparents, who may encourage you to buy or do something fun with the money, stay focused on your goal of not graduating in deep debt and immediately apply the cash to your student loans.

4. Collect spare change

Spare change may seem insignificant, but it can quickly add up to a student loan payment. Find 50 cents a day, and you’ll have $15 towards your loan at the end of the month. Save your change throughout the week, and ask your parents to start collecting theirs. When you explain that it’s for the worthy cause of paying off your student loans, they’ll probably agree. Use whatever change you save each month to make a payment toward your loan.

5. Earn extra cash

A wide variety of opportunities exist for students to earn money for paying off student loans, and in some cases you don’t even have to leave campus. Try tutoring, participating in studies and surveys, donating blood and plasma, re-selling used textbooks, babysitting and finding a job in your department. Use these savings tips to pay student loans off early while you’re in school, and you can look forward to an easier financial future when you graduate.
Also, read >  Be Careful of Debt Settlement Scams
Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Copyright © 2013 Julie Bawden-Davis Photo: thisisbossi[/vc_column_text][/vc_column][/vc_row]
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Happily Ever After: Protect Yourself Financially

[vc_row][vc_column][vc_custom_heading text=”Happily Ever After: Protect Yourself Financially”][vc_single_image image=”577″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]In a perfect world, you’d receive an irrevocable guarantee that you and your spouse will grow old and financially secure together. And of course that’s your intention when you say “I do.” But in the real world, bad things can and do happen–like divorce, disability and death. Being cautiously optimistic by acknowledging that your married life may not go as planned is financially prudent. It may not be romantic to anticipate the unexpected, but having your financial house in order in case of trouble goes a long way toward helping you deal with whatever life throws your way. Consider the following tips to protect yourself financially.

Allocate assets

If you don’t have a prenuptial agreement to protect your financial interests, consider a post-nuptial one. Such an agreement can indicate who gets what assets in the case of divorce, death or long-term disability. An agreement can also protect assets gained after marriage, like an inheritance or earnings such as royalties. Allocating assets is especially important if you live in a common law property state, which constitutes most of the U.S. In such states, assets belong to whoever is named as owner, no matter when those assets were acquired. When property is divided during divorce in such states, the court decides what is equitable and fair. For those living in community property states where the property becomes jointly owned after marriage–California, Texas, Nevada, Idaho, Washington state, Arizona, Louisiana, New Mexico and Wisconsin—it’s still important to make sure that you are listed jointly on all property, such as the deed to your home.

Decide who gets the debt

Determining who will be responsible for your various debts while everything is fine in your marriage helps greatly if trouble brews. If you’ve already discussed who will be taking on lingering credit card balances or a home equity line, it makes it easier to allocate expenses in the event of a break-up. Whether you live in a common law property or community property state will also affect this outcome.
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Consider insurance

Hope for the best, yet plan for potential trouble and breathe easier by obtaining adequate insurance to safeguard your money and lifestyle. Get life insurance for both of you and carefully choose your beneficiary. Also seriously consider short and long-term disability insurance to cover your living expenses in case of an injury. Save Money

Stay updated on your finances

All too often, one spouse gravitates towards dealing with the finances. While this division of labor may work well in the marriage, it puts the uninformed spouse at a definite disadvantage. Stay up-to-date on your finances by scheduling a financial date night with your spouse. Regularly review all of your debts and assets, as well as your budget, and discuss financial goals.

Build a separate credit history

Failing to differentiate yourself as an individual entity when it comes to credit can have disastrous consequences if you get divorced. When all accounts and credit cards are in the name of one spouse, the other person becomes financially invisible after a breakup. Having credit cards and bank accounts in your name helps you build your own financial history. Also check your credit report on a quarterly basis.

Accumulate savings

Divorce, death and disability are all expensive occurrences. And even if things go well with your marriage, you still need a rainy day fund. Build up an emergency fund that will protect you if trouble hits, and make sure to contribute annually to a retirement fund, such as an IRA. While protecting your pocketbook in case of marriage trouble isn’t a pleasant task, you’ll sleep easier knowing that you’re financially covered no matter what happens. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: Marcus Hansson[/vc_column_text][/vc_column][/vc_row]
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Energy Hacks That Save Money

[vc_row][vc_column][vc_custom_heading text=”Energy Hacks That Save Money”][vc_single_image image=”575″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]The cooler months are upon us, and with them come higher heating bills. Seemingly insignificant problems like drafty windows and drippy faucets are not only annoying, they can be costly. Now’s a good time for a few repairs and energy hacks that save money. Many minor home repairs are easy to complete yourself and require very few supplies. Tackle the following maintenance chores this fall, and you’ll enjoy the satisfaction of a well-functioning home without costly fixes later on.

Plug drafty windows and doors

Wind whistling through your windows causes increased heating costs. If your windows are drafty, chances are the weatherstripping or caulking is worn out. Apply weatherstripping around windows that open and shut and caulking around stationary windows. Both caulking and weatherstripping are inexpensive buys at your local hardware store. They’re also easy to apply. If wind is coming in from under your door, put in a door sweep, and replace worn out weatherstripping around the perimeter of the door.
Homeowners can typically save up to 20 percent of heating and cooling costs (or up to 10 percent of total energy costs) by air sealing and adding insulation in cost-effective locations. – Dow.com

Stop dripping faucets

Your dripping bathroom sink may be wasting a lot more water than you realize. According to the U.S. Geological Survey’s Water Science School, one faucet that emits 30 drips per minute wastes two gallons of water a day, amounting to 1,041 gallons per year. Dripping faucets are easily fixed by replacing the seals and washers, which cost very little. To save even more money, also install a faucet aerator. This affordable device will reduce your faucet’s water flow, and lower your water bills.

Complete roof repair and maintenance

As your home’s first line of defense against the elements, it pays to make sure things are functioning as they should up there. Roof leaks are costly and disruptive. Before the harsh winter weather sets in, do a roof inspection and check for and replace any missing or broken tiles or shingles. Also, inspect the seal around the chimney and re-caulk if necessary.
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Clearing the roof of debris is also important, as it prevents water and snow from collecting. In addition, clean out your gutters and downspouts so they flow well during winter rains. Make sure the downspouts drain at least 6 feet away from the house, which will protect the integrity of your home’s foundation and prevent basement leaks.

Maintain caulking around water fixtures

Inspect around your sinks, bathtubs and showers for any areas that have worn out caulking. If water is allowed to drip down the wall beside a bathtub or sink, for instance, the resulting persistent moisture can cause destructive and expensive rotting in your walls and floors. Remove old caulking and let the area dry thoroughly before applying new waterproof caulking. Refrain from using the fixture for 24 hours until the caulking is completely set.

Install a programmable thermostat

“Smart” thermostats on the market today offer programming options that can save a great deal on your heating and cooling costs. If you’re not at home throughout the week, for instance, you can set the heater to go off while you’re gone and come on a few minutes before you get home. Many of these thermostats have remote control capability through apps, which allows you to change the temperature setting from wherever you are.

Repaint peeling paint

Check the exterior of your house and outbuildings for signs of peeling paint. Wood exposed to the elements will deteriorate rapidly in wet winter weather, eventually leading to expensive and extensive repairs. Sand off areas with peeling paint and apply primer and paint. While on the hunt for more energy-saving measures, contact your local utility company to find out your options for a free or discounted energy audit, which could include many of these fixes for free. Energy-efficient fixes are proven to lower utility bills, sometimes drastically, and save homeowners money. Take a trip to the hardware store for a few cheap materials, learn more about energy efficiency at ENERGY STAR, and be prepared for a cheaper fall and winter.
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Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: Hammonton Photography[/vc_column_text][/vc_column][/vc_row]
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7 Ways to Avoid the Holiday Debt Hangover

[vc_row][vc_column][vc_custom_heading text=”7 Ways to Avoid the Holiday Debt Hangover”][vc_single_image image=”573″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]If you promise yourself you’re not going to overspend each holiday season, but usually cave and bust your budget anyway, chances are you don’t have a solid plan to stay out of holiday debt. Once the “good sales” start, the credit cards come out. Then, people convince themselves that a holiday loan is a good idea, to cover the decorations, gifts, and big family dinners. Then New Years passes, and people are thousands of dollars in debt with a pounding headache and a resolution to spend less! Fortunately, Christmas is three months away, so if you devise a plan of action now, you can avoid a frenzied last-minute shopping spree and the resulting financial hangover in January. Try the following tactics to avoid the holiday debt hangover this season.

1. Devise a budget

The best way to make sure you stay on course is to have a financial road map to follow. As soon as you can, determine how much money you can realistically afford to spend on the holiday season without having to dip into savings or pull out credit cards. Then tack on 10 percent to give yourself a little wiggle room for those unexpected gifts and last minute party invitations.

2. Look out for deals

By planning for the holidays now, you can check regularly for good deals on specific items and come in under budget when the shopping is complete. Make your holiday shopping list with potential gift ideas for each recipient and then start checking to see if those items, or similar buys, go on sale. If you end up finding half of the items on your list at 10 to 40 percent off, you can see how quickly the savings will add up.

3. Try share gifting

If you have individuals on your list who have expensive tastes, team up with friends and family and pool your resources (try Shareagift) to buy expensive items. By chipping in just a little for those pricey gifts, you save a lot of money and make everyone’s holiday happy.
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4. Make presents

Have you always wanted to knit a pair of mittens for your nephew or make soap for your mother? Check Pinterest for some DIYs. You still have plenty of time to get the supplies and make your one-of-a-kind creations. Not being under stress while attempting to create a masterpiece also makes the process a lot more fun. And if things don’t work out as planned, you still have time to get alternate presents without standing in long lines and paying outrageous, last-minute prices.

5. Plan to send Ecards

The cost of mailing paper cards, including the cards themselves and postage, can add up quickly. For a minimal yearly subscription or no cost at all, send out Ecards this holiday season and save yourself a bundle—not to mention the time you save not addressing each card and going to the post office. Full of bells and whistles, Ecards are fun for the recipients, and they don’t overflow the trashcan after the holidays are over.

6. Go potluck for family gatherings

Holding a holiday meal at your house and paying for most of the eats is likely to cost hundreds of dollars. Rather than footing the entire bill, spread responsibility for the feast among all attending, which will even out the workload and make the bill equitable.

7. Earn extra cash

If you find that your budget can’t withstand what you desire to spend this coming holiday season, and cost-cutting measures aren’t enough, it’s time to bring in some extra cash to make up the difference. Consider doing online surveys, tutoring struggling students, (who right about now really need some help), or look for work as a dog walker or pet sitter. If you’re super-social, and good at selling, try joining your favorite direct sales company for the season. Also seek seasonal work, such as at a Halloween store or a catering company.
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Take advantage of this workable plan of action for not overspending this holiday season, you can look forward to a debt hangover-free and stress-free January. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: herculean-floss[/vc_column_text][/vc_column][/vc_row]
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Your Friends Are Putting You in Debt

[vc_row][vc_column][vc_custom_heading text=”Your Friends Are Putting You in Debt”][vc_single_image image=”569″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Wallet Empty from Keeping Up with Your Friends? It’s an accepted practice in the weight loss world. Stay away from friends who overeat and dine on junk food, so that you don’t do the same. But did you also know the same applies to your finances? Hang out with people who value a frugal, financially responsible lifestyle, and you’ll be more likely to save and spend wisely. Spend a lot of time with spendthrifts, and you’ll soon be in debt. Peer pressure is strong when it comes to spending and saving—no matter your age. Think back to school. Most likely you’ll recall that the most “popular” kids often had the most expensive stuff, and everyone else was green with envy. And that doesn’t stop when we become adults. Many perfectly reasonable people who know better succumb to spending fever and take on a debt blob trying to keep up with the neighbors.

How do your friends spend?

Take an objective look at the financial behavior of those with whom you spend the most time. What do they do with their money? What do they say about money? How do they feel about saving and investing for the future? If analyzing the finances of those close to you seems a bit extreme—keep this in mind. Your social network has more impact on your finances than you may realize. If those people you spend a lot of time with often engage in expensive activities, chances are you also spend right along with them—no matter what you promise yourself. Just like a dieter will swear to stay away from donuts, going into a donut shop with friends is likely to lead to a slip-up. Even more importantly than how your friends spend money is how they view saving and investing. If they believe in living for the moment and don’t think about or plan for their financial future, they’re not going to understand when you discuss your financial plans, and they certainly won’t offer valuable advice and encouragement. In order for you to achieve your dreams, you need people in your life who understand and share your vision and support and encourage you.
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Find financial camaraderie

Few people achieve a goal without support from other people. If you want to build a financially thriving life, you need people in your court who encourage you to save and spend and invest wisely. This doesn’t mean not ever going out and enjoying yourself, but it does mean making wise decisions regarding when you do go out and how much you spend. Hanging out with people who go out once a week and spend a moderate amount of money may support your financial goals, whereas socializing with those who spend a lot of money whenever the whim strikes most likely will bust your budget.

Good influences through financial communities

If you are interested in saving money and investing, it makes sense to surround yourself with other like-minded people, which is easy to do if you join an investment club. Such groups are composed of individuals interested in learning about investing and sharing financial experiences. Some clubs pool investment dollars to invest, while others simply offer education and inspiration. Joining and participating in online communities that promote building a healthy financial lifestyle is also a good plan and allows you to connect with others who are committed to saving and spending wisely. Your newfound friends will offer valuable advice, encouragement and support regarding your debt reduction and savings goals. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: stuartpilbrow[/vc_column_text][/vc_column][/vc_row]
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7 Ways to Save on Family Fun this Season

[vc_row][vc_column][vc_custom_heading text=”7 Ways to Save on Family Fun this Season”][vc_single_image image=”568″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Watch the advertisements featuring spectacular family bonding experiences, and you might conclude that making memories is too expensive for your family. Zipping off to an amusement park or museum might thrill your kids, but your budget just won’t allow it. With a little imagination and preparation, you can save on family fun this holiday season without raiding your savings account.

As these inexpensive, family-friendly activities show, it’s easy to keep the kids occupied and make everyone smile.

1. Carve pumpkins

With Halloween upon us and Thanksgiving following quickly, now is the perfect time to stock up on pumpkins for food and decoration. Hold a family pumpkin carving party complete with apple cider and pumpkin pie. Purchase a pumpkin carving kit containing fun carving patterns for both holidays. Make sure to save the pumpkin seeds, which you can toast in the oven and lightly salt for a tasty snack.

2. Collect leaves

The confetti of colorful leaves ready for the gathering at this time of year makes for an enjoyable family outing. If you don’t have a big yard, pile in the car and go to an open area, such as a park, where the kids can fill plastic bags full of nature’s discarded bounty.

The leaves your kids gather also offer oodles of crafting opportunities that will keep them busy for days. One fun project is to make leaf collage Thanksgiving cards to give to grandparents.

3. Volunteer

Showing your children the benefits of giving their time to the less fortunate is a powerful life lesson that is likely to warm the hearts of everyone involved. With the holidays fast approaching, the opportunities to donate your time abound. You and your kids can adopt a family for Christmas by providing gifts and food, feed the homeless on Thanksgiving or write to military troops and send care packages. Check with your local community service organizations for opportunities.

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4. Cook and bake

Halloween Cookies

Teaching your kids to navigate the kitchen ensures they learn a valuable life skill, and the fun you’ll have cooking and baking tasty treats is sure to have everyone laughing. Besides learning how to feed themselves, your kids can practice working as a team, and you can always point out the various science and math lessons inherent in the art of making your own food.

Good kid-friendly foods to make homemade include cookies, cakes, bread, brownies, pizza, chicken nuggets and macaroni and cheese. For extra fun, come up with a theme and cook corresponding foods, such as Italian or Chinese. This experience also offers a chance to explore other countries and cultures.

5. Garden

Gardening is a rewarding activity on many levels.The hobby gets the family outside, offers a chance at exercise and provides the delight and health benefits of growing tasty, organic produce. If land or time is limited, try container gardening. It’s possible to grow a variety of dwarf fruits and veggies in pots. And if you live in an area of the country that makes outdoor gardening impossible during the winter months, grow houseplants or herbs in your kitchen.

6. Stargaze

Instead of heading out for an expensive movie or dinner, take the gang outside for some fresh air and a little edification. Pack a picnic dinner and go stargazing. Use a telescope if you have one or pass around binoculars and discuss what you see in the night sky. To make the experience even more enjoyable and educational, prior to your stargazing party, brush up on your astronomy and consult star charts.

7. Visit your local library

Your public library offers a smorgasbord of free materials and activities. Besides a vast selection of books, you can rent DVDs, CDs and books on tape. Many libraries also offer classes and activities for children and adults—often completely free of charge.

Also, read >  How Real Kids Save: Meet the 6-Year-Old Who Socked Away $2,400

Now that you have your list of family activities that won’t bust your budget, grab a pumpkin and watch the fun begin.

Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape.
Photo: woodleywonderworks

 

 

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Dollar Store Recipes: Pasta with Cream Sauce

[vc_row][vc_column][vc_custom_heading text=”Dollar Store Recipes: Pasta with Cream Sauce”][vc_single_image image=”564″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]This is a post by new staff writer Pamela Britton-Baer, whose mission is to help fight your evil debt blob and get your personal finances in tip top shape.  It happens suddenly and out of the blue. You wake up one morning and head into work only to be told you don’t have a job anymore. Call it downsized, laid off, furloughed or whatever you want. It happens – it happened to my family. My fellow writer Julie Bawden-Davis wrote a great blog about surviving on no income. I would recommend it to those facing this situation. What I’d like to share now is how to make your dollars stretch when it comes to feeding your family. Recently, one of my readers asked if I thought it was possible to feed my family on $1.50 a day. I’m always up for a challenge so I took up the gauntlet. This reader only gets $47 a month in food stamps, so I divided $47 by the average number of days in a month – 30, which equates to $11.75 a week. So, let’s start with a basic shopping list for a few dollar store recipes. These are my staples: Grocery List I bought almost everything on this list, excluding the tomato sauce and the flour, but adding a can of tuna, for $9.13. I happen to have tomato sauce and flour in my cupboard so no sense in spending extra money. But as you can see, it would have been no problem purchasing those items and still spending less than $11.75. Right off the top of my head, looking at this list, I see a few easy meals to make: Pasta with a creamy tomato sauce Mac N Cheese Breakfast burritos using homemade tortillas Spaghetti Pizza Scrambled eggs and cheese I’ll be sharing with you how to make all the above meals – plus more – for pennies on the dollar. Here’s the first versatile recipe I’ll share with you, which can be switched up to make a multitude of other meals.
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Pasta with a Cream Sauce

Preparations

Preheat oven to 350 degrees and boil three handfuls of egg noodles. While the pasta is cooking, make the cheese sauce.

Ingredients

1 tbsp of butter ½ cup of chopped onion 1 clove of minced garlic 2 tbsps of flour 2 cups of milk (I actually like half-and-half, but I’m trying to keep this healthy. Still, for a creamier sauce, use half-and-half or real cream.) 1 cups of grated cheddar cheese Salt and pepper

Directions

Over medium heat, melt the butter in a large pan. Add onions and garlic, and brown for three to five minutes or until the onion is soft. Add in the flour. Stir it around until it looks gooey and unappetizing, but trust me, it all works out at the end. Add in the two cups of milk and cheese. Stir until thick and bubbling. Salt and pepper to taste. That’s it, easy! Now, you can either pour the cheese sauce over the noodles and bake until it’s a gooey, creamy mess, or you can add in some tuna and make this a tuna casserole. If you have a can of peas add that in too. Either way, I like to reserve some shredded cheese and sprinkle that over the top. If you want, you could skip the cheese entirely. Use the same recipe above and substitute a cup of tomato sauce for the grated cheese. This will create a creamy tomato sauce that’s to die for. The above meal will feed a family of three. If you’re all on your own, you’ll get more bang for your buck by using only a portion of the ingredients. I’ve found that making things stretch is the key to surviving in this crazy economy. The grocery list can be used to create multiple meals. Stay tuned for even more yummy, yet economical, recipes. Photo: Christian Cable[/vc_column_text][/vc_column][/vc_row]
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6 Ways to Make Saving Money a Habit

[vc_row][vc_column][vc_custom_heading text=”6 Ways to Make Saving Money a Habit”][vc_single_image image=”563″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]If you’re convinced that another raise or a windfall will finally jump-start your savings account, stop right now and read this. While extra money might seem like the key to a big bank balance, the truth is that savers often don’t have the biggest paychecks. What savers do have is the right mindset and a habit for stashing cash—two assets that anyone can develop.
We are what we repeatedly do. Excellence then, is not an act, but a habit. — Aristotle
Why not make saving money a habit?

1. Start Small

Savers know the idea that “you need a lot of money to save a lot of money” is a big misconception. Every savings account starts with an initial deposit, whether it is $1 or $1,000, and either amount represents a commitment to save. Savers save however much they can depending on their circumstances, and they save on a consistent basis.

2. Pay Yourself First

Frugal-minded individuals are keenly aware that if you pay everyone else first, there will be nothing left for savings, which is why they generally pay themselves first. If they determine that they can stash $50 in their savings account each month, they make that their  first “bill” to be paid, which ensures they meet their saving’s goals. And if they happen to have a little extra later in the month, they sock that away as well.

3. Cut Costs, Save the Savings

Savers save at every opportunity. They know that each dollar that stays in their pocket after a purchase can be funneled into savings. This means before making most purchases, they seek out any potential savings in the form of coupons and sales, and they take advantage of any technology that allows them to save, like money-saving apps and online coupons.

4. Live Below Your Means

Savers rarely overspend and generally stick to a budget. If super savers want a nonessential item or to make a large purchase, they only buy the item if they have the cash to pay for it.  Super savers purchase on credit when they are able to pay the balance off without interest, and they use credit for a purpose that saves them even more money—such as for rewards points or during a zero interest promotion.
Also, read >  Take the America Saves Week Challenge!

5. Regularly Check Your Finances

Analyzing their budget on a regular basis and making adjustments when necessary is something savers do, no matter how busy they are. This review includes checking on the progress of financial goals, analyzing investments and setting new financial goals. They also keep themselves up-to-date about the financial world, and heed advice from the top.

6. Be Realistic

Super savers stay motivated to save with realistic dreams that they can actually reach. Rather than daydreaming about lofty goals like owning an island and retiring at 30 when they’re 29 and have very little in the bank, they set their sights on attainable goals they can reach, such as saving for a down payment on a home in their price range and saving for a weeklong vacation to the tropics. Along with their dreams, they have realistic plans for saving the necessary money. Though they may seem like it, super savers aren’t superheroes with wealthy backgrounds. They made saving money a habit and stuck with it, and it paid off. Financial success is different for everyone, so start small, make saving a habit, and stay on track to reach your goals. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: 401(K) 2013[/vc_column_text][/vc_column][/vc_row]
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4 Tips on How to Avoid Overeating and Overspending

[vc_row][vc_column][vc_custom_heading text=”4 Tips on How to Avoid Overeating and Overspending”][vc_single_image image=”561″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]As you sneak candy from your kid’s Halloween stash or play the one-for-me-and-one-for-you game when the little ghosts and goblins ring your doorbell, consider this. Overeating Halloween candy has similar results to overspending. Both will have you feeling annoyed at yourself and weighed down with unwanted extra baggage. You regret it. Opening up an enticing candy bar with its shiny packaging and promise of melt-in-your-mouth goodness is a lot like finding a “must have” deal online and pulling out your credit card. The original high that comes with temptation and consumption pales in comparison to the regret you feel when you take the last bite or push the accept button on your online purchase and the message pops up: Your credit card has been charged. You gain weight and debt. It’s inevitable. Eat a lot of Halloween candy, and you will most likely see a higher number when you step on the scale. Pull out your credit card and overspend, and you will see the results of your indiscretion on your next credit card bill or a lower balance in your savings account. You feel yucky and out of control. Overeat Halloween candy, and you’re likely to feel sluggish. The sugar that made you feel so good at first will cause your blood sugar to plummet later. You’re also likely to be upset about the fact that you gave in and munched out. In the same respect, caving in to the urge to splurge may have you flying high initially, but you’ll feel worse about piling more debt onto your debt blob.

Avoid Overeating and Overspending

Stopping yourself from overspending requires the same plan of action as not overeating Halloween candy. When you feel the urge to nosh or spend, try these tips:

1. Talk yourself through it

Remind yourself of how painful it will be to step on the scale and watch it rise or see an even higher balance on your credit card statement. Also remember how short-lived the high is from overeating and overspending and how long-lived the weight gain and debt can be.
Also, read >  Grants and Scholarships Part 2

2. Practice avoidance

Maybe you shouldn’t be the person giving out Halloween candy this year, or maybe you shouldn’t give any away at all. If you feel guilty about being a candy scrooge, comfort yourself in knowing you’ll prevent a few cavities. Just the same, if you find yourself shopping online late at night when you’re tired and your defenses are down, avoid being on the computer at that time. And if you can’t help but buy too much when you go to the store, don’t go, or just bring along a set amount of cash.

3. Find substitutes

The neighbor kids may not like you, but you’ll save your diet if you hand out good-for-you treats like raisins or school supplies like erasers and pens. Likewise, you may find yourself grumbling when you opt to clean out the kitchen cabinets rather than catch a sale, but the results of not charging anything are worth it, and your organized kitchen will remind you of your fortitude.

4. Limit yourself

If you simply can’t go through a Halloween without eating some candy, reserve a small handful for yourself and go ahead and gorge. Giving in to your cravings and eating a few gumballs and fun size candy bars won’t cause that much damage to your diet. Similarly, if the itch to spend is driving you wild, give yourself permission to splurge with a small amount of money in cash, such as $20 or $30. Make conscious decisions about your candy consumption and spending habits, and you’ll be a lot less likely to scare yourself this Halloween. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: slgckgc       Need a new car but your credit is in ruin? There are still many options available to you! Check out our review pages for the best information on this topic and more.[/vc_column_text][/vc_column][/vc_row]
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How to Calculate Your Net Worth

[vc_row][vc_column][vc_custom_heading text=”How to Calculate Your Net Worth”][vc_single_image image=”560″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Though you often hear the term net worth used when describing the very wealthy, knowing this calculation for your own personal finances is just as important. Referring to how much you are worth when all of your debts are subtracted from your assets, this figure gives a good indication of your overall financial health.

Why is net worth so important?

Creditors look at your net worth when determining if they should loan you money. When you possess a positive net worth, like a good debt-to-income ratio,  this often indicates that you have limited debt. Having less debt compared to assets also makes your credit score considerably higher, which positively affects your life in many ways. Good credit means you can qualify for loans with the best rates and that you’ll find it easier to complete financial transactions like renting an apartment or house. Getting to know your own net worth is the first step toward becoming financially responsible. When you face the facts and determine how much you’re actually worth, this tells you if you’re doing well financially or need to make improvements. If your net worth is in the negative by a substantial amount, for instance, knowing this gives you sufficient reason and motivation to make serious changes, like pay off loans sooner, change your lifestyle, and increase your income. Net worth also gives you a solid way to measure your financial progress over time. Ideally, you want your net worth to rise, which indicates that you’re paying off debt and keeping spending under control. If your net worth falls, this may mean that your spending has outpaced your debt reduction. If left unchecked, such behavior can lead you down the path to financial trouble.

Steps to calculate your net worth

1. Add up all of your debt

This figure is the total of every penny you owe. Include your mortgage, credit card balances and all loans, including auto, student and personal loans.
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2. Total all of your assets

Include the equity in your home, savings, money market and checking account balances. Also include investments such as certificates of deposit, stocks and bonds, 401K, SEP and IRA accounts, the value of life insurance policies, money owed to you and the value of any businesses that you own. To this total add an estimated value of your possessions, like electronics, art, vehicles, jewelry and antiques.

3. Subtract your debt from your assets

This calculation gives you your net worth. If the amount is positive, you have more assets than debts, which is cause for celebration. If you calculate a negative number, don’t panic. Instead, consider recent purchases or looming student loans. Have you recently purchased a new car or a home? Such expenditures initially cause a dip in net worth but over time will usually result in it rising. When you pay off your car in a few years, your debt will lower but your assets will contain the value of the car. In the same respect, making home improvements, such as updating your kitchen, will initially cause a dip in your net worth, but the renovations will increase your home’s equity over time. You don’t have to keep track of all these numbers and figures on a sheet of paper; Bookmark an online net worth calculator and take a screenshot of the results. As your assets or debts change over time, update the information and recalculate. The key is to keep track of your net worth on a regular basis, either annually or semiannually. This way you’ll know if your net worth is climbing or declining. If it is climbing, you can keep on doing what you’re doing, but if it’s falling, this gives you the opportunity to take a close look at your spending and debt reduction goals and make necessary changes.
Also, read >  5 Essential Money Skills Sports Can Teach Kids
Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape.[/vc_column_text][/vc_column][/vc_row]
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The 9 Worst Things to Buy On Black Friday

[vc_row][vc_column][vc_custom_heading text=”The 9 Worst Things to Buy On Black Friday”][vc_single_image image=”557″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
Before you head out the door this year after filling up on a Thanksgiving feast to camp out in front of your local mall in the wee hours of the morning, stop and take a look at the following list of products often advertised as “deals.” If you wait a few more weeks before buying these Black Friday “deals,” you’re likely to get a better price.
The following nine products are likely to cost you less if you wait to buy them until mid- to late-December, or even after the holidays.

1. White Sales on Black Friday

If you can wait to buy blankets, bedding and towels until January “white sales,” do so. You’ll save 30 to 60 percent by buying linens at the beginning of the new year when stores aim to clear out their fall and winter supplies. You might see some linens on sale on Black Friday, but such markdowns will be few and far between and are not likely to be the great deals you’ll find on luxury linens after the first of the year.

2. Winter Shoes and Apparel

Since this is the height of the season for buying and wearing cold weather clothing like boots, jackets and coats, now is not a good time to snag deals on these items. If you want to score an especially good price on the pair of boots you’ve been eyeing, you’re much more likely to see them deeply discounted during January and February clearance sales.

3. Toys

There are likely to be some markdowns on toys during Black Friday, but these deals pale in comparison to the deals you’ll find right before Christmas. Though it means fighting crowds at the last minute like Arnold Schwarzenegger in Jingle All the Way, you’ll often find toys deeply discounted in the third week of December.
Also, read >  Top 5 Ways Sneaky Car Dealers Make Money Off You

4. 2014 Calendars

The price of calendars plummets after the first of the year, enabling you to get next year’s at a fraction of the cost you’ll find during Black Friday. Hold off until the first week in January, and you’ll most likely enjoy a 50 percent discount. If you can wait until later in the month, you will often pay 75 percent less.

5. Jewelry

Retailers know that like Valentine’s Day, the holidays are a popular time for buying that someone special something special. If you won’t get exiled to the couch or disowned for not putting a piece of jewelry or a watch under the tree this year, wait until after the holidays. You’re likely to save a substantial amount of money on these items—providing you don’t procrastinate until February.

6. Brand-Name HDTVs

While Black Friday does bring sales on some HDTVs, the brand name varieties won’t hit rock bottom prices until late December when retailers are pressed to clear out stock in order to make room for 2014 models.

7. DSLR Cameras

Since new models of digital cameras will be introduced in early 2014, it’s a good idea to wait until February to buy one of this year’s models. You’re likely to enjoy a steep discount on a 2013 camera as retailers prepare to usher in the newest models.

8. Exercise Equipment

Along with New Year’s resolutions to exercise more and get healthy come great deals on fitness equipment, so wait until January to buy products like exercise cycles, treadmills, body fat calipers, bicycles, weights and exercise balls. With the many activities during the holidays, you probably won’t have time to use your new equipment, anyway.

9. Christmas Decorations

If possible, and assuming you’re not Clark Griswold with the North Pole on your lawn, make do with decorations you already have on hand from last year. Waiting until a few days before Christmas or after the holiday means steeply discounted decorating merchandise that you can enjoy next year.
Also, read >  How to Spend Your Leftover FSA Money
After checking your holiday shopping list against this one, you might even find that it makes more sense to sleep in this Black Friday. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo: Jezebel[/vc_column_text][/vc_column][/vc_row]
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Are You Lying About Holiday Spending?

[vc_row][vc_column][vc_custom_heading text=”Are You Lying About Holiday Spending?”][vc_single_image image=”554″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]It’s no secret that many couples experience financial anxiety during the holidays, but did you know that the “most wonderful time of the year” also causes an outbreak of lying? According to a recent study by McGraw-Hill Federal Credit Union, a high number of partners fib about how much they have spent or plan to spend while spreading holiday cheer. The study polled a diverse group of 1,000 couples and found that one-third lied, disagreed or covered up regarding holiday spending. More than 50 percent of couples also reported paying with cash to hide large purchases, and more than one in ten hid spending by secretly taking out credit cards in their own names. According to McGraw-Hill Federal Credit Union President/CEO Shawn Gilfedder, the holidays tend to feed the anxiety couples are already feeling about money during this season of high expectations. “Many people switch into a defense mode regarding finances, but this only creates more tension in the relationship,” he says. how often do you fib Methods for Spending Lies Licensed Marriage Family therapist Robert Budin reports seeing in his practice an increasing number of couples hiding debt from each other, often with disastrous consequences. “The number one cause of divorce is finances,” he says. “I see a lot of anxiety among people in terms of how they’re going to afford the holidays and endure the pressures of being stretched thin. Trust is the basis of relationships, and it’s severely undermined when one person discovers that the other has been lying about expenditures.” The lying about holiday spending often occurs because of a spending addiction, says Budin. “Some people will attempt to spend their way through a depression. The spending gives them a momentary boost, but it doesn’t last long, and the debt produces more pain, leading to even more spending. They’re ashamed and afraid of being chastised, so they hide it.” To avoid getting mired in debt and ending up not on speaking terms come Christmas morning, Gilfedder and Budin offer these tips.
Also, read >  What To Do With Medical Bills on Credit Report
Open up. Though it might seem easier to avoid talking about money, communicating about your expectations regarding spending for the holidays will help you both come to a workable compromise. Be honest. Full-disclosure when it comes to holiday spending is your best bet, as is working to accept each other’s viewpoint when it comes to holiday spending. “Honesty really is the best policy,” says Gilfedder. “Work to agree with your partner/spouse on your financial goals and consider the long-term impact to your finances, credit and the relationship.” If you aren’t ready during the holidays to tell your partner about your secret spending, consider coming clean in the New Year when you’re preparing your taxes, suggests Budin. “It’s much better for rebuilding trust to admit what has happened rather than being caught.” Meet your debt hangover head-on. Know that while you may be on a holiday spending high right now, the time will quickly pass and the reality of your debt will hit hard come January. Gilfedder suggests visiting your local credit union and speaking to a Certified Financial Planner who can help you and your partner create a financial plan to deal with the debt. Understand you can’t buy Christmas joy. “You can possibly make someone’s life easier with a gift, but you can’t make someone else happy,” says Budin, who also advises not saying yes to requests for excessive gifts when you really mean no. Get help. If you find yourself with growing debt, make yourself a commitment to stop right away and seek assistance from a therapist, or attend a support group such as Debtors Anonymous, says Budin. “It’s not enough to admit your problem to yourself, because you’re likely to continue repeating the pattern. Get qualified assistance as soon as possible in order to stop the cycle.” Being transparent about your holiday spending with your partner now may be uncomfortable, but the experience is preferable to getting caught in the act with an overflowing shopping cart or a hefty bill in January.
Also, read >  Hiring a Debt Settlement Company: 8 Things to Know
Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo:  JMR_Photography[/vc_column_text][/vc_column][/vc_row]
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Top 100 Personal Finance Blogs You Should Follow!

[vc_row][vc_column][vc_custom_heading text=”Top 100 Personal Finance Blogs You Should Follow!”][vc_single_image image=”551″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Accept it, we’re all pretty bad with money management. There’s always that one thing we’ll all miss and realize only after the damage has been made. Truly, knowledge is power in this game, and of course..making the right moves at the right time. Luckily for us, there is the internet! And today, we have hundreds of finance experts writing blogs that share free tips on everything from frugual living to tax preparation to fund management. We put together a grand list so that you could benefit. Subscribe to them and we promise, you’ll save more money this year that you ever did, in your life! (Ordered in alphabetical order.)

100. 2 Minute Finance

2 Minute Finance is a video blog founded in 2008 that teaches personal finance skills in a two minute or shorter video. Interesting concept! 2minute_finance

99. $5 Dinners

Erin Chase’s amazing blog about reducing your spending with groceries, meal planning, couponing and everything in between. 5-dollar-mom

98.  20 Something Finance

G.E.Miller’s blog that talks about saving money, cutting expenses and attaining financial independence. Quite an inspirational story there! 20somethingfinance

97.  Affordable Schools

James (Frugal Dad) talks about financial planning, personal savings and frugality. A website that’s different from the rest in character and content.affordableschoolsonline

96. Afford Anything

Paula Pant who’s a globetrotter, investor and entrepreneur talks about growing wealth. She talks about making it big and large, not in pennies! We agree. afford-anything

95. All About Alpha

Research, Analysis and opinion on alternative investments. Check it out!allaboutalpha

94. All Things Finance

Like the title says, All Things Finance talks about all things finance, in simple and understandable way to regular folks like you.allthingsfinance_net

93. Almost Frugal

Kelly Rigotti, write Almost Frugal to share her journey towards frugality, with lot of practical tips and advices. Almostfrugal_com

92. American Consumer News

The site has several vertical specific tips and advice that help people become better managers of money.americanconsumernews

91. Bargain Babe

An amazing blog that educates the reader about cutting costs with deals, coupons, freebies and saving money with effective personal and practical money management tips. Written by Julia Scott and her awesome team! bargainbabe

90. Bargaineering

Bargaineering talks about personal finance, banking, money management and everything in between. A must read for anyone wanting to achieve financial independence. Bargaineering

89. Being Frugal

Written by Lynnae McCoy, the site is dedicated to frugal living and everything about getting out of debt. Some great tips and practical advice there from Lynnae. beingfrugal_net

88. Brip Blap

Written by Steve, Brip Blap talks about personal finance, career tips, self-improvement and health.bripblap

87. Budget for Wealth

This blog talks about investing, tax preparation, stocks etc and is a good repository of tips for financial planning.budgetforwealth

86. Budgets are Sexy

J. Money talks about his journey of building wealth with personal finance tips, money management and everything in between.budgetsaresexy

85. Cheap Scholar

Cheap Scholar’s aim is to provide families and their students with the financial tools, resources, and knowledge that will assist in their pursuit of a college education. cheapscholar

84. Clever Dude

Personal finance, career planning, goal setting, wealth management – Clever dude has it all! cleverdude

83. Coupons for your family

Written by Denise, this blog talks all about coupons and how effectively you can use them to cut bills and get more.coupons_for_family

82. Daily Dollar

This amazing blog writes about tips on education expenses, coupons, mortgages, financial planning etc.dailydollarnewsletter

81. Daily Worth

An excellent blog that talks about investment, financial planning, management to mention a few. A great helping community too.dailyworth

80. Discount Queens

This site is probably THE site for those looking for tips on Discounts and Coupons.Discount_queens

79. Dividend Ninja

Avrom, contributing editor for Canadian MoneySaver Magazine, writes about his journey into dividend stocks and shares tips and resources on it. A quality blog, this one.dividendninja

78. Don’t Mess With Taxes

Kay Bell, talks about taxes, taxes and more taxes on this blog. Probably the most dedicated blog on taxes, you’ll ever see.
Also, read >  ‘Gangnam Style:’ The Hidden Personal Finance Message
dontmesswithtaxes

77. Enemy of Debt

EOD written by Brad Chafee, focuses on financial planning and everything about getting out of debt. enemyofdebt_com

76. Everything Finance

Written by Tushar Mathur, the blog has tips on financial planning, credit management, personal finance and everything in between. everythingfinanc

75. Fi Guide

FiGuide blogs about retirement planning and is unique in that it is service of The National Association of Personal Financial Advisors (NAPFA). Must subscribe!figuide

74. Financed In

Financed In talks everything from lifestyle to entrepreneurship and personal finance. An amazing resource for financial planning! financedin

73. Finance Fox

This blog is all about simplifying person finance.financefox_ca

72. Financial Money Tips

A multi-authored magazine that covers: tips, strategies, and opinionated advice on everything small business, investing and personal finance.financial_money_tip

71. Financial Planning Tips

Financial Planning Tips is about any personal finance topic under the sun – from budgeting & saving, to debt management – to investing and retirement. Financial_Planning_Tips

70. Financial Methods

Matt writes extensively about financial planning and intelligence.financialmethods

69. Fire Finance

Here’s what Fire Finance has to say about it – The mission of the blog, FIRE Finance, is to record our financial journey towards reaching FIRE which means Financial Independence Retire Early.firefinance

68. Fiscal Fizzle

Fiscal Fizzle is a place to find a wide variety of money tips, tools, practical solutions, and resources. The goal of the site is to explore new perspectives on money, try new approaches and systems, and experiment.fiscalFrizzl

67. Free From Broke

Glen Craig‘s blog has many articles on getting out of debt, managing personal finance and making wealth all written in simple English.freefrombroke

66. Frugal Confessions

Frugal confessions has a lot to offer towards frugal living, with topics ranging from debt reduction, cutting costs to coupons. Great resource! frugal_confessions

65. Gail Vaz Oxlade

Gail lets you get back in control of your finances with some really practical tips.gailvaz

64. Generation X Finance

KC writes about how he became a millionaire before he turned 30. Inspirational stuff!generationx

63. GoGirl Finance

Go Girl is dedicated to women and helping them manage money better. It has insightful topics ranging from entrepreneurship, lifestyle and career to money management. gogirlfinance

62. Good Financial Cents

Jeff Rose and his super-awesome financial planning “formulas” for the rest of us. Great blog there Jeff!goodfinancialcents

61. Happy Healthy Successful

Elena Lee, with her blog aims at making readers happy, healthy and successful by building a community of positive thinking people and educating them on staying healthy, happy and in control of your finances.happy-healthy-successful

60. How’s Married Life

Married life is a lifestyle blog for married couples and talks about everything from family to finance! howsmarriedlife

59. Hustler Money

A great resource on banking, financial planning and money management.hustlermoney

58. I am 1 Percent

A family’s blog on how they became a $1 Million net worth individuals.iam1percent

57. Investor Junkie

This blog teaches you how to become a better investor and entrepreneur and discusses more about investing and stocks. investorjunkie

56. I will teach you to be rich

Ramit Sethi is the author of the New York Times bestseller, I Will Teach You To Be Rich. He writes about psychology, entrepreneurship, careers and personal finance for over 500,000 monthly readers. iwillteachyoutoberich

55. Jemstep

Jemstep is a privately owned, independent money management firm and this blog of theirs talks extensively on investments. jemstep

54. Krant Cents

A resourceful blog on money management and financial planning.krantcens_com

53. Lazy Manlazyman52. Learn Bonds

This blog has an amazing knowledge base on investments and money management.learnbonds

51. Living Richly on  a Budget

Fanny Seto writes about how to live full and rich even on tight budget.livingrichlyonabudget

50. Making Sense of Cents

Michelle’s blog is a journal of her journey with budgets, money, travel and student loans. makingsenseofcents
Also, read >  How an Energy Audit Saved Us $2,400 a Year

49. Marotta On Money

David John Marotta’s amazing blog on wealth management. Really insightful articles!marottaonmoney

48. Master the art of saving

Master the Art of Saving is a personal finance blog by Jenn Perkins where she share her various encounters with personal finance. mastertheartofsaving

47. Money Smart Life

Ben Edward’s blog about personal finance. Topics on this blog range from finance management to taxes, frugality, investment and even real estate. mneysmartlife

46. Modest Money

Jeremy’s blog stands out from the typical hyped up, self proclaimed expert’s blog. He addresses the average person’s financial worries with an easy to understand language and practical tips.modest_money

45.  Mom Advice

A blog dedicated to moms helping them get a grip on their finances and expenses. Some very nicely illustrated and explained stories there.momadvice_com

44. Money Cactus

An Australia based personal finance blog that has several insightful articles on wealth management and personal finance.moneycactus

43. Money Crashers

This blog’s mission is to develop a community of people who try to make financially sound decisions. The website strives to educate individuals in making wise choices about credit and debt, investing, education, real estate, insurance, spending, and more. moneycrashers

42. Money – Fox

Budgeting, Credit cards, Debt, Lifestyle, Mortgages….this blog has it all covered.money-fox

41. Money, Life & More

Lance’s blog covers everything from Career , Debt, Retirement and more. A complete packaged when it comes to wealth management.moneylifeandmore

40. Money Ning

This blog is all about becoming debt free, building wealth over time from practical tips and measures.money-ning

39. Money to the masses

This site aims at educating people about getting our of debt and becoming their own finance management expert with free tips and tutorials.moneytothemasses

38. Money under 30

David Weliver blogging about beating debt and creating wealth while you’re young. Probably one of the reliable and authoritative blogs out there.moneyunder30

37. Moolanomy

Moolanomy is a personal finance online magazine by Pinyo. It incorporates current events with sound financial information to provide readers with the best in class articles to help improve finances. moolanomy

36. My Money Blog

Actionable ideas from Jonathan on personal finance, investment and wealth management.mymoneyblog

35. My University Money

Kyle Prevost and Justin Bouchard blogs about education costs, student loans and the like. myuniversitymoney

34. My Wife Quit Her Job

This blog is an outlet for my Steve C and his wife to document our experiences and strategies for building wealth on a single steady income mywifequitherjob_com

33. One Cent At A Time

SB‘s journey in to creating wealth and personal finance management.oncentatatime

32. One Money Design

A personal finance blog based on Christian financial stewardship principles by Jason Price. onemoneydesign_com

31. One Smart Dollar

Sean Bryant’s blog that talks about attaining financial independence through careful planing and finance management.onesmartdollar

30. Pocket Your Dollars

Pocket Your Dollars is a personal finance blog that has everything from deals, freebies and coupons to advanced personal finance management. pocketyourdollars

29. Quick and Dirty Tips

This blog has tips on everything from credit to taxes and retirement. quickanddirtytips

28. Retirement Revised

RetirementRevised.com is edited and published by Mark Miller, a journalist and author who is a nationally-recognized expert on trends in retirement and aging. retirementrevised

27. Rick Ferri

An author of six investment books and columnist for Forbes, Rick Ferri is a leading expert on low-cost index fund investing. rick_ferri

26. Sample Stuff

Whether it’s free samples, freebies, deals, or money saving tips, this site has got you covered on all things frugal. sample-stuff

25. Saving Dollars & Sense

Kristie’s blog on money saving tips, home schooling, frugal living, freebies and living on a budget.savingdollarsandsense

24. Seedebtrun

This website has tips and trick to clear your debts and become financially independent.seedebtrun

23. Single Guy Money

A single man’s journey in fighting his debt over a period of time. Some insightful information in the archives there.singleguymoney
Also, read >  The Financial Future Looks Bright: Your 2013 Money Horoscope

22. Squak Fox

Kerry K Taylor is Canada’s top financial blogger and has amazing insights on personal finance on this blog.squakfox

21. Stop Buying Crap

If you think saving money, spending wisely, and making sound financial decision can’t be fun — think again. This blog can make it all fun with some very useful practical tips. stopbuyingcrap

20. Studenomics

Martin’s blog that has everything about making money, personal finance and everything in between.studenomics

19. Stupid Cents

StupidCents.com is devoted to making sense, or cents, of seemingly complex yet ultimately simple personal finance and investing dilemmas faced by the average individual or family. Stupidcents

18. The Centsible Life

The Centsible Life is a place where money and motherhood meet. The website was founded by mother of 4, and founder Kelly Whalen believes you can have it all, but on a budget! thecentsiblelife_com

17. The Christian Dollar

An amazing blog on saving money, finance tips and living frugal.thechristiandollar

16. The College Investor

Robert Farrington’s blog on investing and personal finance. thecollegeinvestor

15. The Digerati Life

A blog with lot of articles on banking, credit cards, savings and personal finance.thedigeratilife

14. The Family CEO

Julie Mayfield writes about her excellent journey of clearing debts and bringing personal finance under control.thefamilyceo

13. The Free Financial Advisor

This blog has lot of great advice around banking, finance, wealth management and investing.thefreefinancialadvisor

12. The Frugal Girl

Kristen’s blog on living frugal and everything around it. thefrugalgirl_com

11. The Happy Rock

The whole idea about this website, according to its author is to make positive changes to ourselves, and thereby making our finances and wealth affect positively.thehappyrock

10. The Military Wallet

The Military Wallet is a personal finance website for military members, veterans and their families. Our goal is to help the military community better how to better manage money and understand the variety of programs and benefits available to them. themilitarywallet_com

9. The Passive Income Earner

The passive income earner is a website that specializes in finance, right from dividends to stocks to debt and taxes.thepassiveincomeearner

8. The Penny Hoarder

Kyle Taylor’s blog helps us make money, advice on investing and educate on banking practices, just to name a few things.thepennyhoarder

7. The Simple Dollar

Trent Hamm’s amazing blog talks about credit cards, frugality and living cheap making it big at the same time!thesimpledollar

6. Thousandaire

Kevin McKee is trying to share his experience in making money and wealth management through easy to understand simple tips. thousandaire

5. Three Thrifty Guys

Charlie, Eddie and Aaron are the three thrifty guys helping you make some extra money with their money saving tips, frugal living and personal finance advice. Lots of useful info on this blog, Must read!threethriftyguys

4. Wall Street Oasis

Wall Street Oasis is one of the most entertaining finance communities online that has several tips and articles on financial planning / modelling and a lot more. wallstreetoasis

3. Wealth Informatics

Suba writes from an immigrant’s perspective on making money, managing your personal finance and frugal living.wealth informatics

2. Where does all my money go?

Preet Banerjee, is a TV host, Personal Finance commentator and columnist who talks about everything finance and money on his blog.wheredoesallthemoneygo

1. Wisebread

Wise Bread is a community of bloggers here to help you live large on a small budget. One of the most popular personal finance blogs out there on the internet! wisebread What do you think? Did you like the collection? Want to improve your credit score? You first need to know where it stands now. Visit SuperMoney’s credit score search engine and find the best companies to check and repair your credit. Need cash in a hurry but don’t know which personal loan company you can trust? Supermoney is here to help you find the best options for all you loan needs. Photo courtesy – Deanna Victoria[/vc_column_text][/vc_column][/vc_row]
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4 Surprising Ways Quitting Smoking Can Save You Money!

[vc_row][vc_column][vc_custom_heading text=”4 Surprising Ways Quitting Smoking Can Save You Money!”][vc_single_image image=”549″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]If you’ve made a New Year’s resolution to get in shape, it’s a no-brainer to quit smoking while you’re at it. You’ll stop stinking up your breath and clothes with cigarette fumes and avoid lectures from well-meaning nonsmokers. But the decision can also save you thousands of dollars per year. Besides no longer shelling out your hard-earned money to buy smokes, you’ll avoid overpaying for items like healthcare and insurance. no-smoking Consider the many ways you’ll save when the smoke clears.

1. More Discretionary Income

Running anywhere from $5 to $14 a pack, cigarettes can take a big bite out of your budget. Add up the cost of a pack-a-day habit over time, and you might be astounded. The American Cancer Society has a handy Smoking Cost Calculator that enables you to see just how much giving up your habit can save you on a daily, weekly, monthly, yearly and lifetime basis. For instance, if you have a $6.45 a day habit, it costs you $45.15 per week; $196.19 per month and $2,355.86 per year. If you’ve been smoking for five years, the total to date cost is $11,822.85. Yikes!

2. Lower Healthcare Costs

According to the Centers for Disease Control and Prevention (CDC), tobacco smoke contains a deadly cocktail of more than 7,000 chemicals and chemical compounds, many of which are toxic, and about 70 cause cancers. Tobacco kills 443,000 people each year—more than HIV, car crashes, alcohol abuse, illegal drugs and suicides combined. And for every person who dies from a tobacco related disease, 20 more people live with a costly smoking-related illness. From 2000–2004 in the U.S., smoking resulted in an estimated $193 billion in health-related costs. Besides the fact that you can save a lot of money on healthcare costs when you stop smoking, some health insurance plans give discounts to non-smokers, and this continues with Obamacare. The Affordable Care Act (ACA) allows for much higher premiums for smokers.
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3. Reduced Life Insurance Premiums

Because of nicotine’s potentially deadly effects, life insurance companies typically charge smokers 50 percent more for life insurance than nonsmokers. According to the National Association of Insurance Commissioners, if you stop using nicotine, after 12 to 24 months you can enjoy a substantial savings by getting the money-saving nonsmoker insurance premiums. No_Smoking_-_American_Cancer_Society's_Great_American_Smoke_Out

4. Happier, More Abundant Life

Though many smokers report fearing a reduced quality of life if they quit, a 2006 study by the University College London found the opposite to be true. A majority of the ex-smokers questioned reported feeling happier since ditching nicotine, while a very small minority said they were less happy. When you’re content with your life, you’re less likely to overspend, and one Australian researcher even found in a study published in the journal Economic Modelling that happier people get more work done and have higher salaries. Professor Satya Paul at the University of Western Sydney studied 9,300 people between 2001 and 2005 and found that the happiest people were more productive and earned $1,767 more per year than unhappy people.

Need Help?

No matter how much money you stand to save by quitting smoking and how happy you might be once you stop, there’s no doubt that stopping smoking can be hard for many people. The good news is there’s plenty of help. Walgreens and GlaxoSmithKline (GSK) Consumer Healthcare joined forces recently to offer Sponsorship to Quit (STQuit), a free online quit-smoking program that smokers can personalize with customized tools to create a tailored quit program. Smokefree.gov, and Lung.org also offer a variety helpful stop smoking tools. And if you want to see how quickly your savings is adding up once you quit, try one of the many free apps on the market like Quit it Lite for iPhone, which gives you a tally of all the money you’ve saved (and tar you’ve avoided) since quitting.
Also, read >  3 Easy Ways to Simplify Christmas and Save
Out of all the New Year’s resolutions to stick to, one to quit smoking impacts your health and future the most. Not only are you saving money on a huge scale, you’re putting years back on your lifespan. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photo courtesy – Sibel[/vc_column_text][/vc_column][/vc_row]
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31 Side Hustle Ideas for the Scrappy

[vc_row][vc_column][vc_custom_heading text=”31 Side Hustle Ideas for the Scrappy”][vc_single_image image=”546″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Who wants to sit in traffic, only to have to deal with office politics and idiot bosses all day? Luckily, you don’t have to be a high-profile consultant or a leading web designer to ditch the cubicle and work form home. In fact, if the huge number of mommy bloggers is any indication, anyone can work at home and make real money. Whether you want to quit your day job or just generate some extra income, we’ve got plenty of excellent side hustle ideas for you to choose from. Got a marketable talent or skill? It’s probably on this list!

Become a freelance writer

Most of the popular bloggers we know weren’t Journalism majors, or marketing gurus. They’re regular people with busy home lives, and a knack for writing and sharing stuff people want to read. J.K. Rowling wrote Harry Potter in a cafe. Home office

1. Blogging

Sure, blogging can be daunting. What should you write about? How do you make money from it? Build an audience writing about something you love like cooking, clipping coupons, or inspiring people, and learn a little about ads from fellow bloggers. You’ll find that successful bloggers love telling their readers about how they did it!

2. Article Writing

Your best bet at side income as a writer is by writing articles for companies, websites, and other blogs. There’s a huge demand for quality content, with the best writers demanding hundreds per post. Check out top websites like oDesk and PeoplePerHour for examples rates.

3. Copywriting

Think Mad Men, slogans for web ads, content for websites, short-form marketing pieces for newsletters… Most developed companies have marketing and sales teams that need content, and need it fast and inexpensively.

4. Resume Writing

Yes, you read that right. There are people out there who write and design resumes for a living.

5. Content Editing

Every writer needs an editor, someone to proofread articles, assist SEO teams in optimizing the content, and/or get pieces ready for publishing.

Have you got the goods?

When you go to local grocery stores, farmer’s markets, and tourist traps, what do you always find? Stuff made by the locals! Everything from sweets, to soaps and jewelry. Side Hustle Ideas

6. Craft Seller

Are you good at knitting or crocheting scarves? How about making earrings, necklaces, and bracelets? Every town has people who only buy local, or from the USA, and love to support the local economy by helping craftspeople and hobbyists.

7. Vegetable Grower

You don’t have to be a farmer to sell vegetables at a farmers market. All you need is a stall and quality veggies and herbs at a fair price. Julie Bawden-Davis shares tips on how you can start your own garden, even in the smallest of spaces, here.
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8. Baked Goods

Cookies, muffins, layered bars and other sweets don’t bake themselves. If they’re a hit, consider making gift baskets or doing low-level baking for small events.

9. Specialty Crafts

Everyone loves soaps free from dyes, candles free from chemicals, and lotions free from petroleum and mineral oil. You can sell these items in stores, to your friends, or even online.

For the love of kids

Some people love kids and have the time to care for them. Others don’t. Which side are you on? Side Hustle Ideas

10. Babysitter

Children of all ages need looking after when their parents are away. If TV and movies are to be trusted, babysitters and nannies get paid quite a lot–especially in big cities and on military bases.

11. Personal tutor

Some kids need a little extra help, a different approach, or help studying for exams. If you’re good at any batch of subjects, or used to be a teacher, this could be the job for you.

A house with a dog

Just like kids, dogs and houses also need someone to manage them when the homeowners are away. With a good reputation, you could even house sit full time, rarely or never having to pay rent again. Side Hustle Ideas

12. House Sitter

One of the safest ways to leave your house when you’re away is with someone in it. There are people who do it for a living, house sitting for months at a time in houses all over the world. Don’t believe us? Read the adventures of The House Sitting Couple for proof.

13. Pet Sitter

Hate leaving fluffy at home, and find yourself paying others to feed him while you’re out of town? Be the person people pay to watch their pets! But be careful, not all pets are mild-mannered and low-maintenance. Some need special care (which usually equates to more money!).

14. House Cleaner

Are you a neat freak? Love a clean house? There are tons of people who could care less, and would pay you by the hour to dust, straighten, and scrub their place to sparkling.

15. Dog Walker

Somewhat similar to a pet sitter, dog walkers keep pets busy during the day by going for walks, playing in the park, even going swimming. Who wants to be holed up in a stuffy house all day anyway?

16. Pet Groomer

From bath time to mani-pedis, pet groomers keep pets looking sharp for their masters.
Also, read >  10 Powerful Quotes From Warren Buffett That’ll Change Your Perception About Money & Success

Shopaholics and Fashionistas

There’s little better example of how versatile working at home can be with these side hustles. If it can be bought, styled, or worked out, there’s a job waiting to be filled by you. Shopping

17. Personal Shopper

Love to shop? Have malls and grocery store layouts memorized? Everyone from high rollers to the elderly need someone to do their shopping for them, be it for clothes, birthday gifts, floral arrangements, or groceries. Only want to do it occasionally? Become a mystery shopper instead.

18. Personal Trainer

Being a personal trainer isn’t for everyone, but if you know what you’re doing (and have the certification to prove it) there are many people who’d love to have you coach them on a regular basis in their home, or at the gym.

19. Meal Planner

So many people want to eat healthier, but don’t know where to start. Others have new new dietary restrictions, but no idea of what they can and can’t eat. That’s where you come in.

20. Personal Stylist

Tie in your talents as a personal shopper and your good fashion sense, and lend a helping hand to the bad fashion victims of the world.

21. Personal Hairstylist

Were you the person who people came to to get their hair done for school dances and proms? Some professional stylists charge up to $100 for a style for a special occasion, just because it’s a special occasion. If you can do it for a little less during prom season, let your friends know and your phone will be ringing off the hook.

If it can be coached or planned…

Then there’s someone coaching and planning it in your town! Side Hustle Ideas

22. Career or Life Coach

You’ve cut the chains to your desk, put the stresses of a day job behind you and are moving forward. Why not help encourage others dealing with the daily grind? Make them feel good about themselves, help them reach their personal goals, and give sound advice when they need it.

23. Event Planning

Weddings, birthday parties, anniversaries, family reunions… If planning these events usually falls to you, and you’re especially organized, why not make a go of it professionally?

24. Massage Therapist

While not exactly coaching or planning, many people swear by their regular massages and how it helps them through the week. A half hour massage can make a busy home life or a high-stress job just a little more manageable. If you’ve gone to massage therapy school (a super-affordable specialty), why not use what you’ve learned?

SOLD! To the highest bidder

We’re not just talking about selling goods like crafts and used items, we’re talking services too.
Also, read >  Why Everything Seems More Expensive
Side Hustle Ideas

25. Craigslist, Ebay or Etsy Seller

There’s rarely anything that can’t be sold on Craigslist or Ebay these days, and people can make a living selling their crafts on Etsy. Just be sure to mind your taxes if you make sales more than just a hobby.

26. Be a seamstress

Most moms and grandmothers I know can patch, hem, and take in anything. Wedding gowns, prom dresses, even thrift shopping finds that don’t quite fit right. Dress shops charge a pretty penny for alterations, so if you’ve got the skill, sell it!

27. Floral Designer

You don’t have to have a huge florist shop to arrange flowers and small bouquets for events. All you need is an eye for design, shears, florist tape, ribbon, and a place to buy cheap flowers (like Walmart or Safeway). Florists put a huge markup on the same flowers that go down to your local market. If you can make arrangements and flower pins for weddings and holidays at a cheaper cost, you’ll soon be in business yourself. Married

28. Direct Sales

If you can imagine it, it’s probably sold in a direct sales company. Knives, dog treats, even wine is sold in multi-level-marketing companies these days. If you find yourself buying a ton of jewelry or candles from a specific MLM company, and understand business and how to market your product, why not give it a go?

29. Catering

People love coming over to your house for dinner, so why not bring the meal to others? Don’t have a degree and don’t want to have to manage a full staff in a real catering business? Then cater small events for churches and local get-togethers with your friends.

30. Cake Baking

Every wedding needs a beautiful cake or arrangement of cupcakes for the reception. Provide a cake or cupcakes for a few friends at a low cost, and when wedding season comes around, get ready to bake up a storm!

31. Photography

Don’t let that DSLR camera collect dust. With good lighting, a steady hand, and a photographer’s eye, you could be snapping wedding photos and senior pics part-time. The list could go on and on because almost every skill can be marketed and done outside of an office. And let’s face it–any job that gets you outside, doing something you enjoy, and working with others is a dream job. Brenda Harjala is the Community Manager for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Pinterest, Wikipedia, Flickr[/vc_column_text][/vc_column][/vc_row]
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5 Tips for Funding Your Dreams

[vc_row][vc_column][vc_custom_heading text=”5 Tips for Funding Your Dreams”][vc_single_image image=”545″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Do you have big dreams shelved away because of a lack of funds? Are you waiting for that perfect someday when your finances are in order and you have some extra money to follow your passions? Wake-up call! That perfect someday may never come. If you want to follow your heart, the time to start is now. The sooner you start funding your dreams, the sooner you’ll achieve them. Of course, paying for the electric bill and groceries ranks higher than saving for a hot tub, which means saving for your dreams requires squeezing out extra cash wherever and whenever possible. Live your best life by trying these nearly painless ways of filling up your dream fund.

1. Take the 5th week advantage

Funding Your Dreams If you get paid on a weekly or bi-weekly basis, you’ve probably noticed that every three months a fifth week of the month pops up, which means an extra paycheck. Rather than spending the funds on unplanned purchases, stick the money right into your dream fund. Sure, it will be a little tight covering living expenses for that extra week, but with a little pre-planning, you’ll get through the month just fine. And if you do have some issues, such as needing gas money for that last week, take out just enough to pay your transportation costs and save the rest.

2. Pocket freed up money

Save Money The next time you finish paying for a debt or are no longer required to cover certain expenses, reserve the savings—no matter how small—for your dream fund. For instance, if you’ve been taking a class on Thursday nights and paying $2.50 for parking but the class is now over, that amounts to $10 savings in a month. Accumulate enough of these freed up funds, and you’ll have a substantial amount of savings.

3. Save your birthday money

Funding Your Dreams When you receive surprise money like a cash gift, a long-forgotten rebate check or even find a few dollars in your coat pocket or under the sofa cushions, immediately earmark the money for your dream fund. Even unexpected and unwanted gift cards can be converted to cash and deposited in savings. Sell unwanted gift cards on sites like giftcards.com or Giftcardgranny.com for cash.
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4. Direct deposit your tax refund

Funding Your Dreams With tax season nearly upon us, you may have a refund coming your way. The government offers direct deposit, which makes it possible to have the money put right into your dream fund. By having the cash sent directly to your savings, you won’t be in the least bit tempted to spend any of it.

5. Clip Coupons for Cash

Funding Your Dreams Reward yourself for the work involved in finding and using coupons by earmarking the savings you earn for your dream fund. For instance, if you save $10 in coupons at the grocery store and another $2 at the drugstore, record the before coupon totals in your checkbook and consider the $12 savings as a deposit toward your dreams. Sure, saving for your dream fund takes some time and planning, but reaching your destination is an awesome, well-worth-the-effort experience. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Pinterest, Wikipedia, DeviantArt[/vc_column_text][/vc_column][/vc_row]
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6 Credit Card Questions To Ask Your Partner Before You Say “I Do”

[vc_row][vc_column][vc_custom_heading text=”6 Credit Card Questions To Ask Your Partner Before You Say “I Do””][vc_single_image image=”544″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Love may be in the air on Valentine’s Day when about 10 percent of marriage proposals occur, but Cupid’s dart isn’t the only thing flying high. The average credit card debt is $15,270, which means that many couples are merging much more than their kitchenware and furniture when they say “I do.” How someone manages credit cards says a lot about the person’s relationship with money, so consider asking the following telltale credit card questions before you agree to tie the knot.

1. Do you have any credit card debt, and if so, how much?

If the answer to this question is yes, full disclosure is necessary, not optional. Trust is a cornerstone of a successful marriage, so being honest about how much you each owe on credit cards is your first step toward financial fidelity.

2. What is your plan for dealing with the balance on your card(s)?

Credit Card Balance Is there a solid plan in place to pay off any debt? A head-in-the-sand mentality doesn’t bode well for your partner’s financial management skills or your fiscal future as a couple. Acknowledging the debt and devising a consistent, realistic plan to pay it off is the only right answer here. Also make it clear exactly who will pay off the credit card balance. If you plan to help your partner pay off the debt, that will have a direct impact on your financial situation.

3. What are your future plans for credit card use?

Does your partner plan to continue using credit cards, despite carrying balances? Or is the plan to use the credit cards for everyday expenses but make sure to pay them off each month? If this is the case, are there incentive plans attached to the cards to make such tactics rewarding? And, even more importantly, how do you feel about the proposed credit card use plan? For some people, regular credit card use is unsettling, while others have no problem carrying a balance or even paying interest each month. Now is the time to speak up about your credit card risk tolerance or intolerance.
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4. Will large purchases be paid for with credit cards?

Credit Card With Money In which camp does your significant other sit? One says you should delay gratification and pay for a large purchase like a vacation with cash. The other says to pull out a credit card and worry about paying off the balance when you get home from Bali. Being on the same page in this area is bound to prevent some nasty financial tension when planning the honeymoon.

5. Will you have separate or joint credit card accounts?

Do you both wish to open a joint credit card account for purchases you make together? If so, keep in mind that you are both legally liable for the debts incurred on that card. If you have different spending styles, a joint account may be a bad idea. Keeping cards in your own name is also a good way to ensure that you continue to build credit, which is crucial if you split down the road, or if your spouse dies. Learn more about how to manage your funds before and during marriage with our post “Happily Ever After: Protect Yourself Financially.”

6. Who will pay the credit card bills?

Credit Card Bill If you or your partner wants to carry a balance from month to month, it’s critical that the cards are carefully managed so that you avoid missing a payment or paying late, which could negatively affect your credit score(s). Decide who is best suited for paying the bills, but agree to touch base on a regular basis about your finances. When you’re popping the champagne bottle at your engagement party, credit card compatibility may be the last thing you want to think about—but rest assured, it will be the first thing you talk about when the bills arrive. Having the credit card talk now is your best bet to ensure wedded bliss.
Also, read >  How To Make Clever Money Decisions by Improving Your Financial IQ
Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Ehow, Flickr, Elle Golden[/vc_column_text][/vc_column][/vc_row]
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The 10 Best Mobile Tax Apps to Use This Season

[vc_row][vc_column][vc_custom_heading text=”The 10 Best Mobile Tax Apps to Use This Season”][vc_single_image image=”541″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]With tax season right around the corner, the tax man will soon be knocking at your door. Though filing your taxes and keeping track of them is probably not your favorite task, new apps on the market are making the often dreaded chore a little easier. Many of these handy mobile apps for taxes are also free.

1. IRS: IRS2Go

IRS2GO app Developed by the IRS, this free app enables you to connect with the IRS whenever and wherever you are. You can check on the status of your refund (the fun part!) and use the app to sign up to receive IRS Twitter feeds and helpful, potentially money-saving tax tips.

2. TaxACT: Mobile Apps

TaxAct mobile apps TaxACT has apps that when used together make the process of filing your tax returns a breeze. TaxACT Express allows you to easily and at no cost file your federal taxes from your smartphone. You can complete the entire return on your phone or start the return on TaxACT.com and finish on the go. TaxACT Central is a companion to Express. This app contains a tax return calendar and checklist that allows you to get organized and ready to file your returns. It also contains a help center and allows you to check the status of your e-filed returns and your federal refund. DocVault is another companion app that you can use throughout the year to make filing a breeze. The app allows you to organize and save your necessary tax information and documents throughout the year. You can securely save photos of tax forms, banking records, receipts, invoices and charitable donation statements.

3 TaxSlayer: Free Tax Refund Calculator

TaxSlayer App Worried about owing a lot of money or curious how big of a refund you’ll be getting? TaxSlayer is a free app that allows you to use your paycheck or W-2 to estimate your 2013 tax refund. That way you’ll know if you need to celebrate or start saving.
Also, read >  11 Things You’re Embarrassed to Ask About Taxes

4 Bloomberg BNA: Quick Tax Reference

Bloomberg BNA This app gives you access to tax rates and schedules from now back to 2011. Discover key information such as standard mileage rates, individual tax rate schedules, income tax rates for estates, capital gains and dividends taxed as net capital gain, retirement plan limits, and more. The app allows you to quickly change the year of reference.

5. H&R Block: 1040EZ Tax App*

HR BLock Tax App This app helps you complete U.S. federal and state returns using step-by-step instructions. The app is free to download and allows you to prepare your tax returns and e-file for free. Features include the ability to take a picture of your W-2 with your phone and import it into your return.

6. TurboTax: Tax Caster

TurboTax Tax Caster This app allows you to get a quick estimate of your 2013 tax refund. You simply enter some basic information, and you see your refund add up. The program uses the same tax calculator used in TurboTax. Based on your tax situation, the app will recommend the right TurboTax product for your needs.

7. TurboTax: MyTaxRefund

MyTaxRefund As its name suggests, this app allows you to quickly check on the status of your e-filed federal and state tax returns. It also gives you an immediate estimate of the date you can expect your federal tax refund. It’s not necessary to be a TurboTax customer to use the app.

8. CPAdirect: ASK A CPA

Ask A CPA Get answers to your pressing tax questions with this free app, which was created by a CPA. Up-to-date answers found on the app include latest tax changes, itemized deductions rules, tax rates and how to file.

9. TurboTax: SnapTax

SnapTax With this easy-to-use app, you simply snap a photo of your W-2, answer a few simple questions and e-file from your phone. Filing your federal return is free; there’s a charge for your state return. If you’re filing a 1040EZ form, you can get your return done in as little as 10 minutes.
Also, read >  How to Document Your Charitable Deductions When Paying Taxes

10 Intersog: Dictionary of Tax Terms*

Dictionary Of Tax Terms If you want to learn more about taxes in general and what all the lingo means, this app will help you get up to speed. It contains more than 600 tax terms and is fully browseable and searchable. These tax apps unfortunately won’t make filing your taxes unnecessary, but they will help ensure that the process runs more smoothly. *All apps are available on iTunes, though this app may not be available for Android users. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Flickr, About.com, IRS.gov, Apple, Bloomberg BNA, Geeksugar, Intuit Labs, Ask A CPA[/vc_column_text][/vc_column][/vc_row]
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20 Things the Ultra-Organized Do Everyday

[vc_row][vc_column][vc_custom_heading text=”20 Things the Ultra-Organized Do Everyday”][vc_single_image image=”539″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Do you have visions of being so organized that you can produce a requested fact or object within mere seconds? If you think the answer to being super put together is having all of the right organizational tools at your fingertips—that’s only part of the secret. The truth is being organized takes a certain mindset. In order to stay motivated to live an orderly life, the ultra-organized tell themselves the following.

1. Knowing where everything is saves money.

Organized Rifling through closets for misplaced objects costs money when you have to replace them. Knowing where everything is prevents you from buying duplicates.

2. Finding things quickly saves time… and time is money.

3. Being organized makes people trust you.

Presentation What kind of person do you look up to as a leader? The person who can’t find anything, isn’t prepared, and is always late? Or the person who’s on time, on track, and ready to work?

4. Staying organized requires regular maintenance. 

It’s not one and done here, being organized demands that you regularly put everything in its place and audit your methods. Spring cleaning only once a year might work for your house, but not when staying organized year-round as a professional.

5. Keeping things in order requires the best organizational tools.

Evernote Ultra-organized people know that it’s important to take advantage of time-savers whenever possible, like online programs and apps like Evernote. There’s a reason Evernote’s slogan is “Remember Everything.”

6. Being organized means you have time to catch up with the special people in your life.

How much of your life is spent looking for things, or working round the clock to keep up with your To Dos? When you’re organized, you have more time to spend with your family and friends.

7. Having your financial documents in order makes tax season a snap.

Taxes Being able to gather all of your necessary information within minutes rather than hours makes filing your taxes less painful and time-consuming.
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8. Being organized prevents food waste.

When you can quickly find items in your refrigerator, and have planned your meals in advance, you avoid unnecessarily throwing expired food away.

9. Having things in order prevents identity theft.

ID-theft Keeping tabs on important financial information like passwords and purchases helps avoid your information falling into the wrong hands–and you not knowing if it does.

10. Ultra-organization conserves space.

It’s easy to save space when everything has its own place. The items in a messy closet take up three to four times the space of the items in an organized one.

11. Being organized makes you a good adult influence.

which-easy-exercises-are-great-for-kids-and-adults-181242375-feb-15-2013-1-600x400 When the kids in your life see how organized you are, they are more likely to emulate you—or at least pick up their room before you enter.

12. An organized life is a simple, fulfilling one.

One of our favorite blogs is zenhabits from Leo Babauta. It’s about finding simplicity in the midst of the chaos, cutting out the negative, and uncluttering our space and mind.

13. Tidiness ensures that you don’t miss life’s little wonders.

Kitchen If all is in its place and how it should be, you’re more likely to notice the little things, like a fantastic sunset or the state of the flowers on your windowsill.

14. Being organized means you are more levelheaded and happy.

Knowing that you know where everything is and aren’t worried about finding things makes for a more content life.

15. Good organization makes you more likely to adapt to change.

Big Changes Those who lead an organized life and have an organized mind tend to embrace change more readily, without panic.

16. Being ultra-organized gives you more self-confidence.

It’s a lot easier to strut into a challenging conversation or meeting knowing that you have all of your proverbial ducks in order and there’s no missing links.

17. Having things in order allows you to be your authentic self.

unorganized-woman The confidence of knowing that everything is where it should be makes it easier show the world the real you, and not a flustered, scrambling mess.
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18. Living a tidy life will make your parents proud.

Mom and dad will feel like the thousands of times they told you to clean up your room finally paid off.

19. Living an orderly life means not having to say you’re sorry.

Not Sorry When you live a haphazard life, you’re more likely to have to apologize for not being able to find important documentation or for being late to a meeting or appointment.

20. Being organized makes you successful.

Face it. You’re not likely to find a successful CEO who can’t find critical information. When you are organized, you are likely to do very well in your career and life in general. As you can see, there is no organization fairy waving a magic wand over certain people. Practice good organizational self-talk—and then act on it—and you’ll soon find yourself a proud member of the ultra-organized club. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Poporganizing, CareerAdvisorDaily, EmployersJobs, Evernote, LovingHere, PilotFire, High-Impact   Need cash in a hurry but don’t know which personal loan company you can trust? Supermoney is here to help you find the best options for all you loan needs.[/vc_column_text][/vc_column][/vc_row]
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6 Tips to Save Money on Banking Costs

[vc_row][vc_column][vc_custom_heading text=”6 Tips to Save Money on Banking Costs”][vc_single_image image=”537″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]While you’re most likely grateful to your bank for keeping your hard-earned cash safe, you’re probably not at all thrilled when your bank takes that money in the form of a service charge or fee. With a little research and pre-planning, you can avoid those dreaded charges and even come out ahead with some interest. Save your money by trying these six tips for keeping banking costs down.

1. Shop around for banks

Bank Fees Yikes, look at all those fees! There are plenty of banks out there ready and willing to offer you a good deal for a chance to have you and your money as a customer. Look around for a bank or savings account and loan that offers the lowest overall fees and the highest interest rates. In addition to local brick and mortar banks, check out online-only financial institutions that often offer much higher interest rates and no fees at all.

2. Look for free checking

While many banks charge for checking accounts, there are those that don’t. Avoid paying a bank for the privilege of holding your money. Look for a financial institution that charges no checking fees or one that offers free checking if you open another account, such as savings. When you do find an account that is free as long as you keep a certain balance, be realistic about the required amount. If you go below the threshold, the penalties can be stiff. Also choose an account that allows you the opportunity to write unlimited checks.

3. Buy cheap checks

checkingaccount Save the bunnies, sunsets and brand themes for your computer screensaver. Generally, the more checks you buy, the cheaper they are, so purchase generic checks in bulk. Some banking institutions also don’t even charge you for checks that contain their logo and theme.

4. Use the correct ATMs

Using your bank’s debit card at another financial institution’s ATM usually means a stiff fee. For instance, you can be charged as much as $2 to get out $20, which is a whopping 10 percent. Choose a bank that has ATMs that are convenient for you, so you don’t end up “going out of network” to another bank’s ATM. Or better yet, get a debit card from an online bank that reimburses any ATM fees you incur from other banks.
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5. Maintain overdraft protection

Overdraft Fee Of course, you don’t plan on ever overdrawing your checking account, but it could happen. Forget to enter a check or that you have an automatic withdrawal coming out, and you’ve got checks bouncing all over the place. Avoid your bank’s hefty overdraft charge (and the fees charged to the recipients of your checks by their banks) by maintaining an overdraft protection account. Make certain that your overdraft protection account is a savings account and not a high interest line of credit, which costs you. Also ask about any fees associated with using the overdraft protection, as some banks charge for that—although it is generally a smaller fee than the dreaded overdraft charge.

6. Take advantage of direct deposit

Because they have a guarantee that you’ll be depositing money, many banks will waive fees if you have your paycheck automatically deposited into your checking or savings account. This and many banking perks aren’t always automatic, though. If you currently have direct deposit but aren’t enjoying free checking, call your bank and ask for it. It may be a case of setting up your account a certain way. Used together, all of these relatively simple steps can mean big savings over time. If you take advantage of all the perks your bank has to offer, you can realistically pay no fees and collect interest. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Cleveland.com, BlogCDN[/vc_column_text][/vc_column][/vc_row]
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6 Big Things Your Homeowners Insurance Doesn’t Cover

[vc_row][vc_column][vc_custom_heading text=”6 Big Things Your Homeowners Insurance Doesn’t Cover”][vc_single_image image=”534″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Do you know exactly what your homeowners insurance covers? If not, take a close look at your policy. Your insurance company will recoup costs for most accidents and disasters, but some things just aren’t covered. Understanding what your homeowners insurance doesn’t cover and why can help you plan ahead. Knowing where you’re vulnerable also enables you to make smart choices that could prevent or minimize your financial liability in the case of an accident or disaster.

1. Injuries sustained by trampolines

Yes, you read that right. If your kids and their friends (or you and your friends) are flying high on a trampoline located on your property and someone breaks a limb or two people knock heads, you are responsible. Some insurance companies won’t even insure residences that have a trampoline.Trampoline Trampolines are actually more dangerous than they might look. According to the U.S. Consumer Product Safety Commission (CPSC), in 2012, an estimated 94,900 people were treated in emergency rooms for trampoline sustained injuries. From 2000 to 2009, 22 deaths resulting from trampoline accidents were reported to the commission. Injuries include colliding with another person, landing improperly and breaking or injuring limbs, getting hurt falling or jumping off and receiving injuries from hitting the trampoline’s springs or frame.

2. Aggressive dog breed attacks

Dog attackGiven the fact that dog bites cost insurance companies an estimated $250 million a year, it’s not surprising that certain breeds with aggressive tendencies are considered off limits when it comes to homeowners insurance. Even if you have a sweet, happy pouch, you’re unlikely to find insurance for any bites or attacks caused by certain breeds, including German shepherds, pit bulls, Dobermans, Rottweilers and even Labrador Retrievers. Some insurance companies will also refuse to insure against dog bites if your best friend has a history of aggression.

3. Floods, and sewage backup

FloodingIf you want flood insurance, you must buy a separate flood insurance policy. This has been the case since 1968 when the government founded the National Flood Insurance Program, which is part of FEMA (Federal Emergency Management Agency.) Premiums for separate flood insurance vary according to your geographic area’s flood risk. There is usually a 30-day waiting period on new flood insurance.
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Also be aware that sewage backups, even though they may be related to a flooding situation, are not covered within a flood insurance policy. In order to cover your home in case of the sewer backing up into your house or the sump pump overflowing, you must purchase a sewage backup rider for your main insurance.

4. Earthquakes

EarthquakeEarthquake is another natural disaster not covered in your standard homeowners insurance. To get coverage for the extensive damage quakes can cause, including home replacement, you must get an additional earthquake policy. Most major insurers offer earthquake insurance, or you can purchase a policy from the California Earthquake Authority (CEA), which was created in the wake of the devastating 1994 Northridge, Calif. earthquake that resulted in $10 billion in losses. It’s strongly suggested that homeowners in the high risk “Pacific earthquake belt” get quake insurance, as approximately 81 percent of the world’s largest earthquakes occur in this region, which runs from Southern California up the west coast to Alaska.

5. Nuclear, conventional, or civil war

MilitaryIf we have any type of war—including nuclear, conventional or civil, your home won’t be covered. The good news is, though, that unless your policy says otherwise, you should be covered in the case of a terrorist attack.

6. Mold and water damage

Mold DamageA spate of costly mold claims in the early 2000s caused insurance companies to adjust policies to either deny mold coverage outright or add limits. Some companies exclude all coverage for mold related issues, except for mold resulting from fire or lightening, while others offer a limited amount of coverage—such as a cap of $5,000. Some coverage is situational. For instance, you might be able to obtain coverage if the mold was caused by a sudden occurrence like a burst pipe, but you would not be covered if the condition was caused by leaking pipes that you failed to maintain. Additional mold coverage can also sometimes be added as a rider.
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Find out exactly what is and isn’t covered by your homeowners insurance, and avoid being blindsided if an accident or disaster strikes. Julie Bawden-Davis is a staff writer for SuperMoney. Her mission is to help fight your evil debt blob and get your personal finances in tip top shape. Photos: Flickr[/vc_column_text][/vc_column][/vc_row]
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