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ARTICLES |
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Banking
Articles on banking, managing
your checking accounts, and spending wisely
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Bankruptcy
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Budgeting
Articles on
creating a budget, tips on sticking with your budget, and successful
financial planning
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Credit Cards
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on using Credit Cards wisely, understanding Interest Rates and Annual
Percentage Rates, and what to watch out for with Credit Cards
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Credit Repair
Articles on Credit Counseling, Debt Settlement, Debt Consolidation as well
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Credit
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Articles on what your credit report is, how it effects you, and what you can
do to change and improve your credit score
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Debt Management
Articles on Debt
Management: How to analyze & manage your debts, and how to recognize if your
debts are getting out of control
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Insurance
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explaining home, life, health, car, and even pet insurance and how you can
save money on each
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Investing
Articles on
buying and selling stocks and investment tips and advice
Articles explaining annuities and
how to use them as investments for retirement
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Money Saving
Tips
Articles on saving money, shopping frugally, and smart financial planning
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Mortgages
Articles
on the many different types of mortgages, what to look for in a home loan,
as well as many tips on saving money with your mortgage
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Our Maker's Money
Articles from a Biblical perspective of our
money, finances, and stewardship
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Retirement
Articles on saving and planning for
retirement
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Student Savings
Articles on how students can save money, pay for tuition, get student loans,
and more
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Taxes
Articles on paying taxes, saving money on your
taxes, tax reform, and more
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10 Ways to Save $50 a Month
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Save up to 50% per month on convenience cleaner cloths by
cutting them into half, i.e. dryer softener cloths, face cleanser cloths,
etc. Savings: $5 per month
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Find more thoughtful gifts and buy when the item is on sale,
shop for birthdays and holidays throughout the year not at the time of the
events. Savings: $10 per month
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Bring your lunch to work once a week instead of eating out.
Savings: $7 x 4 weeks = $28 per month
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Don't go to the coffee shop on the weekends. Savings: 2
visits @ $2 = $4 per week x 4 weeks = $16 per month
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If you carry a balance on your credit card, and you're only
able to afford paying the minimum monthly amount, pay weekly installments
instead of one monthly payment. For example, if you owe $100 per month, pay
$25 per week. Because credit card companies accrue interest daily on your
balance, paying only once a month is a huge detriment to your fiscal health.
Savings: $10 - $100 per month (or more!)
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Instead of a family night out, consider having an old
fashion picnic together or a bike ride. Curbing entertainment costs doesn't
mean curbing the fun. Savings: $25+ per month
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Spend a day cooking meals that can be frozen for later use
for your family. Once a Month Cooking, a book by Mary Beth Lagerborg and
Mimi Wilson, features grocery lists and recipes to prepare and freeze a
month's worth of food for you and your family. Not only are you able to
purchase the food in bulk, this method prevents having to throw away any
spoiled food. Savings: $50+ per month
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If you are a regular monthly book buyer, stop the habit and
visit your library instead! If you insist on buying books, buy it used at
your local store or online at merchants such as
www.half.com or
www.amazon.com. Even a
better idea, how about selling the books you have that you don't need!
Savings: $5 - 15 per month
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Use less expensive gasoline. If you live in North America
and have Internet access, you are able to search for the cheapest gas price
in your neighborhood with Gas Buddy,
www.gasbuddy.com.
Savings: $5 - 15 per month
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Use two-for-one coupons when dining out; search for these in
local newspapers, flyers, and in your "junk mail." If you are a group of
four or more people, consider buying dining certificates at Restaurant.com,
www.restaurant.com.
After choosing your city and state on the website, you will be presented
with a listing of restaurants vying for your dining dollar! Savings: $5- $50
per month
This
is an excerpt from
ONE PAYCHECK
AT A TIME,
by Kimberly A. Griffiths, ISBN: 1591133327.
ONE PAYCHECK AT A TIME, a 200 page workbook,
contains budget management exercises for an entire year of paychecks. The
author, Kimberly A. Griffiths, has been through the vicious cycle of debt
herself, and provides a no-nonsense system to managing your money paycheck to
paycheck. You customize the journal based on your pay schedule and learn the
necessary tools for making ends meet.
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