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Spending Money You Don’t Have

My dad despises credit cards. He always says that using a credit card is spending money you don’t have. In essence, a credit card is a type of loan, which can carry an extremely high interest rate if you are not careful. One of the ways you can keep your credit card balances from ruining your financial future is to examine the reason you use them. For example, if you regularly whip out a credit card to make purchases whenever you see something you really, really want, but really, really don’t have the money for, then you might be an … Continue reading →

Saving Money with a Toddler

Isn’t it amazing how little ones can cost so much. Toys, food, clothing, equipment and entertainment can all add up at the end of the year. Here are some ways to save when you have a toddler. Potty train your toddler as soon as he is ready. This can be anywhere from 18 months to 4 years old, depending on the child. Of course you don’t want to force a child to train, but many toddlers are really ready sooner than you might think. And, the sooner you train, the fewer diapers you’ll have to buy. While we are on … Continue reading →

Insurance Blog Week In Review March 13-19, 2007

Insurance Term Of The Week: Underwriter I sure have been finding the Parental Liability Blogs very interesting to write. It seems that we are responsible for a wide range of things our children might do as we raise them. This series has sure made me rethink some of the things I expect from the system. Parenting is a real risk financially and some of the ways we are responsible are interesting. Wednesday, March 14, 2007. Four More Parental Liable Issues Negligent Supervision is a legal theory where a minor child’s parents are held liable for their child’s negligent acts when … Continue reading →

The Problems With Credit Card Insurance

Your credit card company has probably offered to sell you some form of “payment protection” insurance. It may sound like a helpful thing to you to have. In reality, these types of insurance plans rarely provide much help to consumers. Instead, they generate income for the bank or credit card company. Credit card companies, and banks that offer credit cards, will frequently try to sell customers some sort of what amounts to a type of credit card insurance. It might be called “payment protection”, or worded in a way that implies that your credit card bill will be taken care … Continue reading →

Monetary Appreciation

In college, my roommate and I would rarely eat at sit-down restaurants (even the cheaper ones) because we didn’t want to spend extra to tip the server. I didn’t wait tables during college, but if I did I would certainly hope that patrons would be generous (or, at the very least, fair) when it came time to dole out a tip. But what is “fair” these days? Unless the service truly stinks, I don’t tip less than 15-20 percent at restaurants. Is that fair? And who deserves a tip anyway? Should I be tipping the woman who washes my hair, … Continue reading →

Can You Afford to Save?

Financial experts, from Suze Orman to Maria Bartiromo often suggest putting away a set amount of cash each month to cover emergencies. The advice looks great on paper, but when you’re pinching pennies saving money can be next to impossible. After all, how can you save what you don’t have? According to experts, in cases where your budget is stretched to the limit, you should still put aside a few dollars per month. Even if you are only able to sock away $250 to $500 in a year’s time that money can help offset unexpected expenses, such as vehicle repairs … Continue reading →

Budgeting for Brand New

The lure of luxuriating in a brand-new home, vehicle or outfit is extremely enticing for many people. However, being able to pay for all that glittery, brand-new goodness can be a challenge, especially if you struggle with saving and budgeting. Financial experts recommend carefully evaluating your income, spending habits and credit prior to purchasing new. For example, if you are eyeing a new vehicle, it’s a good idea to save at least 20 percent for a down payment rather than borrowing the total amount due. If you don’t have the cash, then look at raising some by trading in an … Continue reading →

Taking Inventory Of The Freezer

This weekend I cleaned out the refrigerator, nothing earth shattering about that except that it was way over due. Once I was finished with the fridge I moved on to the freezer. There was a lot of unidentifiable stuff in there that I had to throw out. As I was cleaning out the freezer I thought about all the money I’m throwing away because I never know what I have. I go to the grocery store, fill the fridge and the freezer, the overflow goes into the freezer in the basement where I promptly forget about it. I find myself … Continue reading →

Free Things You May Or May Not Know About

In my opinion and I am sure the opinion of many of you, the best price for anything is free. While we can not get everything that we want and need for free, it is nice to know that sometimes we do get a break. Today, as I was perusing the interesting information on Yahoo! Finance, I came across Farnoosh Torabi’s list of some great things that won’t cost you anything. Some of the things on the list were not surprising to me, but some of them were things that I had not heard about. In the “already knew about … Continue reading →

Free: The Best Way to Save

Sales and discounts are great, but you can’t get better than free. If you are looking for ways to save money on everything from home goods to baked goods, clothing to cake, then milk your birthday for all it’s worth. The following retailers offer amazing birthday freebies: Baskin-Robbins: Free 2.5 oz. scoop of ice cream, if you join their birthday club. Cold Stone Creamery: Free ice cream, for birthday club members. Caribou Coffee: Free birthday beverage if you registered with their loyalty club. Chili’s: Free dessert with purchase of an entree. IHOP: Sign up for email alerts and you will … Continue reading →