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%

Energy-Saving Frugal Tips

We have been hearing about energy conservation for years, but it is only recently that it has come to the forefront of most discussions. There are ways we can save money by being more energy efficient. Here are some tips you can utilize in your home to conserve energy and thus realize a yearly savings on your bills. 1. Purchase energy-efficient light bulbs. They last longer and us less energy than standard light bulbs. 2. Ensure that all appliances have the Energy Star logo. Unplug

How to Save Money on Clothes

Fashions change from year to year, but the one thing that doesn’t change is the cost. Clothes are becoming more expensive than ever. But at a time when it is critical that we save money, this is one area in which we can effectively do so – without giving up fashion sense. Consignment shops offer individuals the opportunity to buy brand-name clothing for less. You can be assured the clothes are good quality because these shops only take new or used (worn one time) clothing.

How to Stay Disciplined with Your Savings

Staying disciplined with your savings is just as important as staying disciplined with your family budget. When you open a savings account, you are given a passbook. Every time you make a deposit or withdrawal, the amount is recorded in the passbook. Let’s say, for example, that you have an online business where payments are made to you through PayPal and then transferred to your savings account. While you may know how much you have deposited into your account utilizing a PayPal printout, it is

Pay off Credit Card Debt: Saving Money on Existing Debt

Credit cards with 0% balance transfers are a way that you, the consumer, can pay off credit card debt and get the credit card companies to work to your advantage if you use the offer effectively. In this section, look for how you can leverage these offers that credit card companies are begging you to take to pay off your credit card debt. This article’s topic: Pay down a previous debt balance with no interest charges. Use 0% Balance Transfers to Your Benefit These promotions

Avoid Food Waste and Save Money

“Waste not, want not.” You may have heard this expression as a child when you wouldn’t eat your greens. In the U.S. alone, the amount of food that is wasted on a daily basis is staggering. According to the U.S. Department of Agriculture, “if just 5 percent of Americans’ food scraps were recovered it would represent one day’s worth of food for 4 million people.” Moreover, according to CNN, “The U.N. World Food Program says the total surplus of the U.S. alone could satisfy “every

Be Coupon Savvy and Save Money

In a recent episode of Wife Swap, the pseudo wife complained to the husband that he was obsessed with clipping coupons. As they were grocery shopping, he told her he was stopping for a pizza pie for dinner and that he had coupons. When he came out of the pizza place, she asked him how much he saved on the pie. He told her it was $1.00. Needless to say she lambasted him for buying a pie to save $1.00. He responded by telling her