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Are You Overpaying Uncle Sam?

Claim, claim, claim, deduct, deduct, deduct. That’s the name of the money-saving game when it comes to paying taxes. According to Kiplinger’s Personal Finance magazine, most of us are paying Uncle Sam way more than we need to simply because we are ill-informed. By reviewing current tax laws there’s a good chance you can cut your tax bill in half. For example, did you know that you can write off the casserole you made and donated to your local soup kitchen? Financial experts maintain that if generous Americans kept better records, they could easily increase the amount they list as … Continue reading →

How many calories do I burn blogging?

Like many of you, I often feel that exercise does not fit into my daily routine. I’m a mom to four children, wife, dog parent, blogger and writer. My day begins with a yawn and very often ends with a yawn. In between all of that, I find my eating habits suffer or are nonexistent. One can hardly call grabbing a bagel or a protein bar in the midst of chaos an eating habit as it is more like an eating disaster. So, between chasing kids, writing articles and eating on a semi regular basis while only dreaming of that … Continue reading →

Are You Getting In Your Own Way When It Comes to Finances?

Are you getting in your own way when it comes to getting out of debt? Your habits or little daily indulgences may be getting in the way of controlling your finances. While you may be frustrated because you have to give up your little or big luxuries, it is important to think about much they are really costing you. If you are constantly worried about your money, then your stress level affects how much you really enjoy your life. You may be costing yourself your peace of mind. You may have to work more, and lose the time that you … Continue reading →

Balance Your Checkbook and Save Money

You can save money by balancing your checkbook every month and keeping a running total. The Center for Responsible Lending has just issued a new report “Out of Balance” warning against the high interest rates that the banks are charging to cover your items if you overdraw. The report speaks out against what it calls unfair banking practices that can cause the customers to accumulate more fees. The Center for Responsible Lending is supporting bill HR 946, which would put overdraft loans under the jurisdiction of the Truth-in-Lending Act. This could mean that the banks must notify you if you … Continue reading →

Budgeting Time Savers

One reason many people hate budgeting is because it is time consuming. It can take an hour to balance your checkbook each month, especially if you can’t find the one mistake that you made. It is more difficult than just balancing your checkbook, since you need a constant running total of what you have spent where. It usually falls on the shoulders of one spouse, who then becomes resentful about having to deal with it all the time. While the initial planning and setting up of your budget may take awhile (sorry there is no way around it), here are … Continue reading →

Do You Keep a Running Total of Your Account?

Do you keep a running total of your expenditures for the month? Do you keep a running total in your checking account, or do you guessitmate what you should have after your additional bills come out? It can be time consuming to make sure that you keep a running total of the amount of money you have available to you, but it is worth the effort. Here are five reasons why: 1) It will save you money if you do not overdraw your account. You will not need to pay insufficient fund fees to your bank, or the places you … Continue reading →