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Seven Ways to Save Money on Everyday Expenses

Minimize the cost of running your home when you use the following tips to save money on those everyday expenses. 1. Combine services It isn’t only your cable service that offers bundling. Once you are done combining your Internet, phone and cable television into one package, move on to other services that be combined in order to save money on your monthly expenses. For example, you can combine your home and auto insurance for a lower overall rate. 2. Pay your bills on time That $5 or $10 a month may not seem like much, but in the course of … Continue reading →

Anticipating Expenses in Your Budget

When establishing a budget, it is important to account for variability. Some monthly expenses change a bit each month, such as your energy bills, others are paid bi-annually or annually instead of monthly, such as taxes, and some pop up unexpectedly. Others expenses may vary in their amounts each month. Knowing how to anticipate your expenses will leave you with a solid budget that is always in the black. First start with the stable expenses, those that do not change from month to month. Some examples might be your car payment, your mortgage payment, or a student loan. You can … Continue reading →

Affording Life Insurance

While no one really wants to think about life insurance, if you have a family it is an important to have it in place. Life insurance can pay for final expenses, as well as leave your loved ones in solid financial shape. Even non-working parents should carry life insurance, since the death of a stay-at-home parent means that the remaining spouse may have to incur new expenses related to child care. Should both parents become deceased, life insurance money can ensure their children’s future. The bottom line, is that your family cannot afford to be without life insurance. So how … Continue reading →

Life Insurance From My Mortgage Company?

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Yesterday, I got a strange piece of mail from my mortgage company. It wasn’t a bill, and it wasn’t a notice about a late payment. I wasn’t a cancellation notice, or anything related to my mortgage. Instead, it was information about a life insurance policy that I can buy from my mortgage company. That was unexpected! For most people, it is a very good idea to have life insurance. A good life insurance policy will provide your spouse and children with the financial assistance that they would need in order to continue living their lifestyle after you have passed away. … Continue reading →

Money Really Doesn’t Grown on Trees

One of the hardest things about being a single mom is having to say no so much. When you get divorced you learn quickly that if you don’t stand your ground the kids will walk all over you. Even if you’ve been the softie in the past you learn to stand up and say no. The kids don’t like it, and at first it may seem to make things worse, but once they learn you mean it, life just gets better. It’s always made me sad to have to tell Hailey no about things she wants that I just can’t … Continue reading →

Green Tree Offers Homeowners and Flood Insurance All in One

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Typically, a homeowners insurance policy will not cover damages caused by flooding. If you want coverage for that type of situation, you have to buy a separate flood insurance policy. Green Tree Insurance has combined the two policies into one. This is great for homeowners! Green Tree Insurance sent a very interesting email to my husband today. We have a mortgage with this company, and it isn’t unusual for people to get email from places that they have a loan with. This email had some unexpected news that I thought was important enough to share. When you buy a house, … Continue reading →

Saving Money on a New House

One of the easiest ways to save on a mortgage is by making a substantial down payment. The larger your down payment, the less you will have to pay on a monthly basis. In most cases, home buyers are required to cough up at least 20 percent of a home loan in order to avoid Private Mortgage Insurance. Whereas it would be wonderful if we could all put down 20 to 30 percent of our dream home’s total price, many potential buyers struggle to come up with even half that. Fortunately, for many first-time homebuyers, down payment assistance is available. … Continue reading →

Tax Time: Home Business Money Savers

Now that you know how to save money on your taxes by deducting job-hunting expenses, let’s talk home businesses. According to the IRS, you may be able to save big bucks by writing off expenses related to what Uncle Sam refers to as the “business use of your home.” If you work out of your home–regardless of whether you rent or own–you may qualify for the deduction. The IRS defines a “home” as a house, condo, apartment, and mobile home, basically, any place that includes an area where you cook and sleep. A home office can be as large as … Continue reading →

Tips For Keeping More of Your Money

There are a couple of basic ways to have more money – earning more and spending less. Both involve time and effort, but there are a few simple things that you can do to make sure that you are spending as little as possible on certain items. If you go through this list and check off an item or two each week, in a few weeks you will have started the New Year with the knowledge that you are not overpaying for a few different things. One thing that you can do is to make sure that you are not … Continue reading →

Would These Fictional Characters Need Life Insurance?

There are many people who believe that life insurance is an unnecessary expense. The reality is that your life insurance policy can provide your family with the finances they need in order to help cover expenses after you have passed away. Fictional characters can provide good examples about who needs life insurance, and who might not need it. Many people avoid thinking about life insurance because it makes them uncomfortable. No one wants to focus on their own mortality, or to consider what life would be like without their spouse. As a result, there are a lot of families who … Continue reading →