Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Little Ways To Save Big Bucks On Groceries

Tuesday, July 6, 2010, 7:13 AM | Leave Comment

We all want to save money any which way we can. Even the rich would take certain steps to bargain and save some money. Sometimes it’s not a question of whether you can afford it or not, you would definitely bargain with the seller to give you better deal. However, no one wants to spend […]



Tips To Finding Cheapest Airline Tickets

Monday, June 7, 2010, 6:00 AM | 10 Comments

The price for airline tickets fluctuates a lot. I think we all know that. Like so many other things in life, it’s a question of supply and demand. The basic theory of economics is that in an open market, prices are usually set by supply and demand. If the supply is the same but the […]



6 Tips For Cheaper Checking Accounts

Wednesday, May 26, 2010, 12:38 AM | Leave Comment

Service charges at big banks and other large financial institutions have risen a lot over the last decade or so. Checking accounts have become particularly expensive for consumers. If you have a checking account at a large bank, make some phone calls to compare fees that might save you a couple of hundred dollars a […]



Make Your Budget A Moving Target

Wednesday, May 19, 2010, 1:00 AM | Leave Comment

It is essential to make a budget and stick to it when you make saving and spending a moving target. The budget will keep your spending in check. When you categorize saving and spending, don’t force yourself to fully abide by your own rules. One of the best ways is to put a maximum on […]



Budgeting Your Money Should Not Embarrass You

Wednesday, May 12, 2010, 1:29 AM | 3 Comments

Two years ago, Americans’ saving rate was less than 1%. Today, by some estimates, it has gone up, to a whopping 5%. That’s the most in 15 years. WOW! Good for you America. Keep up the good work. If Braderick Jones can save, so can you. He is a mechanic in the state of Wisconsin. […]



7 Tips for Avoiding Bill Shock Now

Tuesday, May 11, 2010, 6:52 PM | 5 Comments

The FCC thinks without automatic usage alerts, it can be hard to know when you are running up a surprisingly high wireless bill. Today it came out with some advice of how to go about avoiding your surprising high cell phone bill. The FCC’s Consumer and Governmental Affairs Bureau (CGB) launched an initiative on “bill […]



Don’t Overlook How Much Of Your Budget Goes To Gifts

Tuesday, April 6, 2010, 12:04 AM | Leave Comment

Almost everyone buys gifts. There are wedding gifts, birthday gifts, graduation gifts, Christmas gifts, house-warming gifts and [can I say?] only the devil knows what else. Not trying to be religious, God, on the other hand, does not want you to overspend. The dollar amount for the gifts can all add up to an amount […]



Conflicting Reports About Consumers Spending And Saving

Monday, March 29, 2010, 12:10 AM | 1 Comment

During the last couple of years, dubbed as the Great/Worst Recession since the great one of the 1930s, there have been some reports, especially recently, questioning the wisdom that consumer behavior has been profoundly changed. Multiple conflicting reports to that effect have come to see the light of the day. The following three reports in […]



Keep Track Of Saving Opportunities On Your Mobile Phone

Sunday, February 14, 2010, 2:23 AM | Leave Comment

My 20-year old son is very much careless about using his debit card. He uses it to buy $3 or $5 worth of fast food just to satisfy his craving for it. He is not careful enough to check his debit account whether he has the money in the account or not. Three times during […]



10 Tips To Shape Up Your Finances in 2010

Thursday, February 11, 2010, 1:15 AM | Leave Comment

Most folks have resolutions for the new year in terms of a healthy weight, quit smoking and get more exercise. Because of the bad economic situation and the increasingly unpredictable future for personal finances, this new year is an excellent opportunity for folks to shape up financially. May that be getting out of debt, raising […]