Take Advantage of Last Minute Trips and Ticket Sales

Have you ever had an unexpected opportunity to take some time off? Or have you planned time off to stay at home, then decided that it would be nice to take a vacation? There was a time when last minute trips were difficult to successfully plan, not to mention expensive. But today, it’s entirely possible to set up a vacation on the spur of the moment without spending a fortune. What’s the secret? It’s the Internet. Airlines have never liked to have empty seats, and

Save Change throughout the Year

In tough financial times, saving money is easier said than done. For many of us, once we’ve paid the bills and bought the essentials, there’s just not much, if anything, left to save. Wouldn’t it be wonderful if we could save up at least a little money each month without even missing it? Actually, most of us can. Some people make the effort to dig out exact change when they buy something. But the overwhelming majority of us just fork over the closest thing we

Five Tips on How to Save Money in Tough Times

When our financial picture is good, we often do not worry about saving money. But when things take a turn for the worse, we realize the error of our ways. Had we found ways to spend less and save more, we might not have to worry so much. When faced with reduced income and/or rising prices, saving money is not optional. It’s something we must do to survive. But if you’ve never pinched pennies before, it’s easier said than done. Here are five ways you

Saving Your Raises

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 up your wardrobe. But saving that extra

Relatives and Friends in Exotic Places? Go Visit!

Vacationing in an exotic location is a distant dream for some of us. For those who are fortunate enough to live in such places, it’s an everyday thing. If you have friends and relatives who live on an island paradise or other popular vacation spot, the thought of going to visit them has probably crossed your mind. But you can’t just invite yourself, can you? That depends on your relationship with them. When it comes to immediate family such as parents and siblings, inviting yourself

Ideas for Frugal Summer Vacation Fun at Home

We all need a vacation every now and then. Getting away from the stresses of everyday life for a while leaves us refreshed and gives us a new sense of purpose. But when money is a concern, jetting off to a remote island may not be an option. Even going on a road trip could put an undue strain on the budget. It can be disappointing when we’re not able to take the vacation of our dreams, but that doesn’t mean we shouldn’t take a

Create a Vacation Budget and Stick to It

Taking a vacation is supposed to help alleviate stress, not add to it. But for those of us who do not have unlimited funds to work with, it can do just that. Planning fun for the whole family and providing for transportation, meals and accommodations can be tricky, and paying for it all can be even trickier. We all know how important it is to have a household budget. But we tend to forget about budgeting when it comes to vacations. If we can create

Ways to Lower Your Home Insurance Policy

We are all looking to find ways to increase savings during this economic recession. Reducing the cost of your home insurance policy can help in this regard. Here are six ways you can lower the costs. 1. Stay with the same insurer. You can take advantage of discounts offered by your insurer if you purchase all insurance policies with one carrier. For example, having a homeowners and automobile insurance with the same company can yield up to 15% discount on your premium. Moreover, the longer

Why Should We Stick to a Budget?

The simple answer to this question is this: If you didn’t stick to a budget, you would have no way of knowing how much you spend or, for that matter, overspend. At the end of the year you would probably be scratching your head trying to figure out where all the money went to. Family budgets are important because they not only track your spending habits, but allow you to make adjustments when you fall short each month. Budgets require discipline. Statistics show that 60%