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Money Worries

admin — Fri, 05 Mar 2010 15:44:31 +0000

Families today face many challenges. Not the least of which is money woes. In the current economy, money has become a bone of contention even more than it was once before. But, you don’t have to let this fact destroy your family life. So, how does debt affect families? Many parents would like to think that they are doing a good job of keeping any money issues from their kids, but the truth is that kids are quite sensitive. Especially with smaller children, a change in the atmosphere around the home can affect the way that they feel and behave. The...

Money Saving Ideas for Families

admin — Tue, 23 Feb 2010 17:50:42 +0000

Money isn’t always readily available for such things as expensive outings and activities for you and your family. With the uncertainty of the economy these days, more and more families are searching for free, frugal and money-saving ideas in order to keep the family having fun together without breaking the bank. Here is some advice and options to keep your family activities happening without the costly aspect some choices may have.

Your local community may have a “Parks and Recreation” website or booklet available to residents. These usually include a variety of activities in different price ranges, from free to...

College Student Budgeting

admin — Mon, 22 Feb 2010 17:19:14 +0000

The college years are a time of learning, and a time for young adults to get a sampling of what it's like to be out on their own. They are also a very expensive time for parents. By the time they pay for their children's education, there's often little left over to help with their living expenses. Perhaps it's best for college students to fend for themselves, to some degree anyway. When they're done with their schooling, they will be out in the real world, so it's good for them to start learning how to manage money. The college years are...

Saving Raises

admin — Thu, 11 Feb 2010 16:15:07 +0000

It may have been a while since you've seen your last raise due to corporate cutbacks, but things may open up shortly. It feels great to get a raise. It makes us feel like we’re being rewarded for all our hard work. It provides an incentive to keep doing a good job. And most of all, it puts more money in our pockets. It can be tempting to start spending more money when we get a raise. Just a few extra dollars on each paycheck can make it possible to go out to eat once a week or start building...

Banking Fees

admin — Sat, 06 Feb 2010 19:53:59 +0000

Like any other business, banks are out to make money. Traditionally, they have accomplished this by lending money that's on deposit and collecting interest on it. But as you probably know if you have any type of bank account, banks also make a significant amount of money by charging their customers fees. Many customers sign up for free checking accounts in an effort to avoid fees. These accounts do not pay any interest, but there are no monthly maintenance fees and usually no minimum balances. But few “free checking” customers actually get by without ever paying any type of fee....

Online Bill Paying

admin — Fri, 30 Oct 2009 16:14:21 +0000

In this age of technology where most things can be processed by the click of a mouse, online bill paying has become a fast, convenient, and easy way to pay bills, keep track of expenses, and save money. Is it for everyone? Obviously not - there are still those who prefer to write a check or acquire a money order to pay for their bills. What are the pros and cons associated with online bill paying? It depends on the individual. Those who are familiar and comfortable with using a computer to shop and pay bills will...

Financial Scams

admin — Tue, 08 Sep 2009 14:28:25 +0000

On any given day, you may receive an email that is claiming you can make millions from the comfort of your own home. Or, if you are looking to make money online, there are hundreds of thousands of online companies who would gladly take your money and send you an outdated e-book that offers nothing in the way of financial value. According to the U.S. Securities and Exchange Commission, there are “hundreds of online investment newsletters that claim to offer invaluable information. But, there are many fraudsters who lie about the payments they received, their independence, their so-called research,...

Avoid Overdraft Fees

admin — Thu, 27 Aug 2009 13:02:57 +0000

Debit cards are considered by many to be one of the greatest innovations of the past few decades. First issued in the late 1980s, they offer the convenience of a credit card without the expense of using borrowed money. Since they're linked to our bank accounts, they simply give us quick access to our own money. The debit card has long since surpassed the check in terms of popularity. Consumers today are happy to swipe their cards when they make a purchase instead of having to write out the payee and amount. But unfortunately, those who use debit cards have a...

Keeping Track of Your Money

admin — Tue, 21 Jul 2009 15:25:57 +0000

When it comes to keeping family finances in order, one of the most common hurdles that we face is overspending. Sometimes someone is obviously blowing money on unnecessary things, but often it’s much more subtle. Everyone spends a few dollars here and a few dollars there, and when the month is over, a lot of dollars are gone. In order to get a handle on your budget, it’s absolutely essential to carefully track expenses. This includes bills, variable necessities such as groceries and transportation expenses, and discretionary spending. Here are some of the many reasons why we must do so:

Keeping track...

Money Saving Ideas for the Weekend

admin — Mon, 20 Jul 2009 17:00:04 +0000

Although money may not always be in abundance for activities for the entire family, this doesn’t mean your family needs to miss out on some well-needed time together. Enjoying each others company is an important aspect of everyone’s life. There are many different educational, economical and fun ways your family can have fun together. We’ve come up with some ideas as to how you can still engage in some family-oriented activities for fun family activities, making memories together during these times where money isn’t always readily available for spending. 1. Rent a movie. Instead of taking the whole family to the movie...