Ask anybody that has had a baby, it is not cheap. Adding up all the costs is enough to make some people think twice before having a child, or if you already have them...stress out about it further! An uneventful delivery alone, not including prenatal care and follow up, can cost $5,000-$10,000!Read the rest...
The dictionary defines carpooling as "an arrangement among a group of automobile owners by which each owner in turn drives the others or their children to and from a designated place. The terms "rideshare", "carpool", and "vanpool" all have similar meanings, and are used interchangeably throughout this article." Rideshares are generally set up to be mutually beneficial to each person participating, as driving responsibilities and costs are shared. Save money, help the environment, benefit yourself, and help others by starting a carpool in your area! Read the rest...
Alexander Graham Bell accidently invented the telephone in March of 1876 when he spilled acid on himself, and realized that his voice was being carried. Over 100 years later, the telephone has advanced and become such a mainstay in peoples lives, one that some people may find it difficult to live without.
Unfortunately, staying in touch with loved ones via telephone can come with a huge price tag that some families can find hard to keep up with. With a few smart moves, you can enjoy staying connected and avoid dreading that monthly bill. Check out our list of the top 15 tips on reducing your landline bill. Read the rest...
In the United States, teenagers are legally allowed to start work at sixteen years of age. And in some cases, like hardship situations, teenagers can begin working at age 15. Working students and teens generally start their shifts after school, and on the weekends. Some students choose to only get "summer jobs", and focus their attention on academics during the school year. Either way, part-time employment for teens can be fulfilling, fun and a great hands-on learning experience.Read the rest...
With the number of Americans losing their jobs growing at a staggering rate, it's no wonder that some people who are deep in debt are running away from it instead of meeting it head on. Even when your debt is overwhelming, letting it get out of control is only going to make the problem bigger and more difficult down the line because debt will never just “go away” no matter how much you might wish it to!
It's time to stop dragging your feet and take action to get out of debt now. Here's what you can do:Read the rest...
So you've mastered the art of cooking on a dime? You've revised your shopping list, made use of that leftover ham, brown-bagged your lunch at work and stocked up on sales & staples. Good for you! In the spirt of summer, we've put together a list of new and additional tips, cool new links for frugal cooking and eating, and brand new summer recipes focused on lighter, more picnic-esque fare, which tend to remind folks of the warmer months.Read the rest...
Planning on starting a business soon? One of the first decisions you'll need to make is what type of entity your business is going to be. The most common choices are to form the company as an LLC, S-Corporation, C-Corporation, or as a Sole Proprietor.
Each one has advantages and disadvantages, and depending on the type of business you are starting, you could save yourself a significant amount of money by choosing the right one for your needs. Each entity varies, with some of them excelling at simplicity and flexibility, others with certain tax or legal benefits. Other items of interest, like state filing costs, and protection of personal assets also vary across the different choices.
The chart below outlines some of the differences between an LLC, C-Corp, S-Corp, and a Sole Proprietorship:Read the rest...
How to have a cheap date, without being a cheapskate. There is not a reason in the world that dating, or spending quality time with somebody you love should be a budget buster. Like most money-saving ideas, it's all about thinking outside the box. And seriously, how many times can you out for the predictable "dinner and movie" routine before being just a bit bored with it?And if nothing else, those of us that are cheap dates probably go out on more dates ;-) Read the rest...
"Home is where the heart is".Your home, whether it be a house, apartment, duplex or any other sort of dwelling should be a positive reflection of you and your family. However, it's easy to carried away when it's time to decorate, and spend way more than you need to.
Fortunately, a well decorated and comfortable home can be more about creativity, and less about your budget. We have complied a list of helpful tips to make your home all your own without pulling out a loan.Read the rest...
Just because you are cutting back on everything, grocery bills, entertainment, grocery costs, going out to eat, and yes - clothing, that doesn't mean you have to attempt pulling off a ratty T--shirt and baggy sweatpants combo. There are tons of ways to look chic, fashionable and as "up to date" as you did before the hard times struck. Below is a list of my 20 best tips to staying fashionable without maxing out your credit cards. These ideas range from smarter shopping, to forgoing the mall for the craft store. After all, fashion is about creativity, isn't it?Read the rest...
Many think that cheap food means fatty, processed and high calorie food, and end up giving up their health in favor of finances.True, buying all those prepackaged, health-conscious foods can get pricey, but did you know that you CAN eat healthfully on the cheap?
The trick is to be creative and work with what you have. We put together a few tips and tricks to help you save money on your venture to health.
Healthy food is...Read the rest...
It's no secret that children and babies, as cute as they are, are not cheap. Birthday parties can have huge price tags, and they do come annually. No, you don't have to order catering, have a limo, or hire a clown to give your child a special and memorable birthday party. Here's our 11 top tips on fun and frugal children's birthday parties. After all, it's not supposed to cost as much as wedding... Read the rest...
Some people do not want to appear to need to save money when they can, and so they hide the fact that they are looking for "deals." It may surprise some folk, though, to know that many of those who do have money - even some millionaires - and really do not need to be concerned about saving money the way income challenged people do, are also very conscious about where their money goes.Read the rest...
In the past week you have probably heard someone complain about the high prices of food these days. While you cannot change the prices - you can certainly change how much you spend each month. The good news is that by taking some carefully planned steps, you can greatly reduce the cost of your groceries and still eat well. Here are some simple steps that will help you save money on groceries.Read the rest...
Want your children to learn the true value of a dollar and equip them will life-long skills involving money? Try giving them an allowance. The majority of professional financial advisors agree that giving an allowance is a hands-on way to teach a child financial responsibility. Think that you can't afford it? Think harder.Read the rest...
With the economy at a record low, steady employment from a recession proof industry brings peace of mind to many people. Recession proof jobs are in industries that will continue to make a profit, and need employees despite any downfall in the nation's economy. Keep this list of sixteen recession proof industries (in no particular order) in mind when searching for a employment. Read the rest...
Of course you and your family are looking forward to the glorious cook-out days that define summer cuisine. The outdoor made plump hot dogs, tender chicken and juicy burgers, along with all the fixings. Scale back this summer, and read up on ways to save on outdoor barbecuing. Read the rest...
No doubt about it, kids love toys and everything about them. However, with the growing prices and all the brand new toys that come out seasonally, keeping up can be expensive. You can afford to cut back on toy expenses without losing any of the fun of playing. We put together an extensive list of the top nine ways to save money on toys and games, no matter how many fads there are. Read the rest...
True, getting a good college education will help you succeed financially in the long run, but the cost of tuition, books and supplies sure does eat away at your finances until you find yourself on a strict college budget. The typical student plops down $900 per school year on textbooks alone! You can save money on textbooks will preperation and creativity. Below are a few tips on how to save money on school text books. Read the rest...
With the popularity of cells phones constantly on the rise, sometimes it almost seems as if they are a necessity, and some people have even diteched their land lines in favor of cell phones.Read the rest...
