Feb 18, 2013
Given the volatile nature of the world we live in, it is prudent to prepare yourself with a basic supply of food, other necessities, and money—in case of an emergency or a change in life situation. Emergencies or Life Changes When you hear “emergency,” you probably...
Feb 16, 2013
Looking for health supplements at value prices? Healthy Directions is North America’s #2 mail order provider of nutritional supplements. For President’s Day, they offer 25% off all orders, no minimum, plus free shipping on orders over $99. Just use the...
Feb 15, 2013
In 1995, workers said they expected to retire at age 60 on average. In 2012, the average worker expects to retire at 66. Benefits of postponing retirement: First, you can nearly double your annual Social Security payouts if you delay retirement from age 62 to 70. In...
Feb 13, 2013
Honey automatically searches for and applies coupon codes when you shop online. We’ve written before about the mobile app RetailMeNot that lets you find coupons and discounts for your favorite store. If you like RetailMeNot, we think you’ll love using...
Feb 8, 2013
1. Have money automatically deposited to your 401(k), savings account, or college savings account. This is a more sure way to build your savings. Although fewer than 40% of savers do this, it is easier to exercise self-control if your money is less available. 2. Each...
Feb 6, 2013
To get a good deal on wheels, you need to play with the numbers—and play dealers off one another. The following are some ideas on how to get a good deal on purchasing an automobile from the article “Cars” in Money magazine (May 2012, pp. 70-1): Avoid the hard sell by...
Feb 1, 2013
Here are ideas on how to save on a home remodeling project: Do it off-season. Like accountants and farmers, home-improvement pros have a slow season when they may slash prices to get business. Redoing your bathroom in January, replacing a furnace in July, or...
Jan 30, 2013
Before you sign a contract for a gym membership, read it carefully and understand what you are signing. Complaints about membership contracts are way up across the country. In 2012 in Utah, for example, the Better Business Bureau of Utah received 330 complaints...
Jan 25, 2013
Shop less frequently. You will be forced to make the food last longer and you will become much more creative. If you go to the market every day, stretch it to every other day. Once a week? Shop for two weeks next time! You’ll waste less, use less, and spend a bunch...
Jan 23, 2013
Don’t buy a prepaid funeral plan. It’s wise to set aside some money to pay for your funeral in a savings account, investment account, or through life insurance, but it makes no sense to pre-pay a funeral because the cost of funerals is not going up any faster than the...
Jan 21, 2013
Food staples, such as wheat, rice, and beans can be purchased in bulk for a very reasonable price and can be rotated into your food storage at home. If you buy wheat, be sure you have a way to grind it into flour. If you buy flour, put it in the freezer for 48 hours...
Jan 18, 2013
People in the USA seem to think that if a price is posted in a store, then that is the price you have to pay. But if you have traveled to other countries, chances are you have experienced bartering or negotiating a price. In many countries, it is typical to haggle...
Jan 16, 2013
Many people assume that their monthly electricity bills are a fixed expense. But there really are things you can do to reduce your cost of electricity. Consider the following: Clean up. Dirt behind your fridge, in your dryer lint catcher, and around your air...
Jan 14, 2013
Have a coffee fix? If you are one of millions of people ducking into the corner coffee house every morning for your daily cup of Joe, consider how much you are spending. Try this “Stop Buying Expensive Coffee and Save Money” calculator. Here’s an example:...
Jan 9, 2013
How do you choose among the various types of light bulbs that are available today? Incandescent bulbs are the traditional light bulbs with a filament wire. They are the least expensive to buy, but also the least efficient in using electricity. Compact fluorescent...
