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5 Steps to Getting Your Car Paid Off Early

Paying off your car loan early will save you hundreds of dollars in interest charges, eliminate a monthly expense, and increase your credit score as your rate of debt to income goes down. Plus, you’ll get a real sense of accomplishment knowing that your car is completely yours, free and clear. 1. First do your homework Review your loan paperwork before you start. Most car loans are simple interest loans. That is, the interest accrues during the life of the loan, so paying it off early will save you a lot of money. In a precomputed interest loan, on the … Continue reading →

Ways to Save Money on Dental Insurance

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Taking good care of your teeth is important. We all want healthy teeth and gums, and a nice smile. The cost of the dental care involved isn’t always easy on your budget. Here are a few ways to save money on dental insurance and dental care, even if you don’t have dental insurance coverage. One of the easiest ways to save money on your dental care is if you have dental insurance. Some health insurance plans will cover dental care, so you should start by checking to see what your current plan offers. If your health insurance is a group … Continue reading →

Save Money and Time by Staying Organized

Did you know that being disorganized can actually cost you money? It’s true. If the information that you keep regarding your finances is not organized and kept in a dedicated place, there are a few ways in which you can lose money. By taking the time to organize your financial information, you can stop losing money and even save time too. One important tool for keeping your finances organized is a calendar. You can choose to write financial information on your regular calendar or on a separate calendar that is dedicated to money related items. Writing down when all of … Continue reading →

Ways to Save Money on Health Care

Health care is expensive, and the price seems to keep rising. Families are going to have to find ways to save some money on health care. Some of these tips are only going to work if you already have health insurance. Other hints could help even those of us who can’t find affordable health insurance. A study done by the Kaiser Family Foundation found that the cost of annual premiums for employer sponsored health insurance has increased by 9% from 2010 to 2011. Health insurance now costs around $4,129 a year for families, and about $921 for individuals. Since you … Continue reading →

Flash Drives – Save Your Money Information

We all know that we should keep copies of our important financial papers in case of an emergency. If there’s a death in the family or loss of a job, a house fire or an earthquake, you will need those papers to make plans and to start putting things back in order. But it can be difficult to carry the paperwork for all your accounts, insurance policies, and deeds to your house, car, etc. That folder can get pretty thick, especially if you are also tracking social security information and birth certificates for your children. Have you ever considered scanning … Continue reading →

Keeping Your Marriage License Safe

Let’s play a game. How many of you know exactly where your marriage license is at this exact moment? No, don’t raise your hands – I can’t see you! Just think about it. Is it framed and hanging on your wall? Behind a plastic page protector in your scrapbook, right across from that glamour shot of you in your bridal gown? Or did it get put in that one drawer where everything ends up when you aren’t sure where to put it? Yes, you do too have one of those drawers. Everyone does, and there’s no point in denying it. … Continue reading →

Back Up Your Family Tree with BackUpMyTree

You’ve spent hours, days, maybe even years, researching your family. You’ve compiled tons of data and information about names, dates, and relationships between ancestors, and combined it all into one fantastic family tree. Maybe you’ve taken the time to type out dozens of family stories that have been handed down from one generation to the next. Or, you’ve made audio recordings of these stories, so you can hear the voices of your relatives as they tell the stories themselves. All this information is precious. So, you store it all on your computer. Now, what happens if your hard drive crashes? … Continue reading →

Moms-to-Be: Work Stress Can Be Harmful to Your Baby

A Dutch study published in the American Journal of Public Health took a look at work stress in the first trimester of pregnancy — and the impact it can have on an unborn child. More than eight thousand pregnant women participated in a survey focused on employment and working conditions — they were asked about the number of hours worked per week and their stress levels (among other things). More that seven thousand women continued in the study, and were in contact with researchers again after giving birth to report the weight of the newborns. The results? Women who worked … Continue reading →

Keep Track of Your Medical Records

Do you carry your health records in your head? I used to. I’d start up with a new doctor and have to wrack my brain trying to fill out the initial paperwork. What year did I have my sinus surgery? Which relatives have what diseases? When did I start taking all my different meds, and what are the dosages? It will make things much easier if you keep track of your health records and medical history. I’m not an organized person unless I work really hard at it. So I’ve found three quick and easy methods for organizing your health … Continue reading →

Organizing your Files

Part of good money management is staying organized. Do you have a good filing cabinet? If not, head to your local store or yard sale, buy yourself a sturdy filing cabinet and some good files – and let’s get organized! Keeping track of old bills, receipts, warranties, product information, etc. will help save you money, time, and your sanity in the process. For some of us, this is simple… but for many of us, we have no idea how to get started. The following is a list of folders you should definitely have in your filing system. 1. Budgets and … Continue reading →