Money is tough to hold on to for many people, especially when you have extra cash and see something that you want but really do not need. Money tends to burn a hole in your pocket if you keep cash on you all of the time. One of the best ways to cut down on unnecessary spending is to put your extra money away in a savings account so you don’t spend it. This will leave you with less money in your pocket on a daily basis and can help a bit to end splurge spending. It is easier said than done, especially with so many cool gadgets and toys available all over the place. These 15 blog posts offer some great advice on saving your money rather than wasting it.
20 tips to keep from spending money – It’s hard to say no to yourself when the urge to spend strikes, especially when you have money in your pocket. Here are 20 tips to help stop spending.
Stop Spending Tips & tools to help you fight yourself – here are more great tips from different people including some money saving experts, there is a lot on this page to read and following through with the advice can make a huge difference in your spending habits.
Top Ten Money Saving Tips From Stop Wasting Money – Here are some more excellent tips to help you stop wasting money, these are all great ways to achieve the goal you are working towards and can help you also get some extra money put away towards savings.
Money tips and financial advice to help you stop wasting money – Money is tight for many people these days due to the struggling economy, here are tips to help you save and recession proof your money.
9 Big Time Money Wasters and How to Avoid Them – This post discusses 9 things that can waste a lot of money and gives advice on how to avoid these things so you can save more money.
Stop Wasting Your Money on These 25 Things – There are many ways that people overspend on a regular basis. They include costs that could easily be avoided, or reduced, by customers willing to do some market research, shop around, or plan ahead.
Ten Ways To Avoid Financially Irresponsible Buying – In this modern era, we are surrounded by almost infinite opportunities to spend money – and an almost infinite number of enticements to take up those opportunities. Advertisements trick us into thinking our lives will be better if we just buy this one item.
The Upside of Being Cheap – Some great ways to save money while also helping out with other things such as energy consumption and more.
Stop Wasting Money: Seven Ways to Cut the Fat from Your Budget – Even more wonderful tips that can help you cut back on spending money on things you do not need.
Time is Money – So Stop Wasting It with These Helpful Tips! – Do you sometimes wonder where all the time went? Or wonder where the money in your bank account went at the end of the month? It may not seem obvious, but time and money go hand in hand, and not just for fancy jobs that make a lot of money. Time is money for all of us.
Find Out Where Your Money Goes to Avoid Wasting More Of It – Most of us are not aware that the little amounts of cash we spend each day are actually huge when we total it each week or month. This makes us wonder where all our money goes, once we find that we’ve run out of cash even before the next payday arrives.
Stop Wasting Money Today – “Most people aren’t aware when they’re wasting money,” says Jeanna Bridges, Market President with BMO Harris Bank. “So the first step is becoming conscious of how much you’re spending and what you’re spending it on.”
25 Ways You Are Wasting Your Money – Getting out of debt is NOT hard. True, it does take time, patience, and discipline, but it’s not really that hard. Usually, all that is required is just changing your spending habits.
Stop Wasting Money – Another post with tips and tricks to help you stop wasting your hard earned money.
Stop Wasting Money Page on FB – This is a great Facebook page that is always updated with advice and tips on saving your money instead of wasting it, well worth a like if you are on FB.
Categories: Advice
No one wants to work forever, and most people plan on retiring in their sixties, but many people are stuck working until way past the age of retirement because they don’t have enough savings that they can survive comfortably. They are entitled to a social security check when they reach that age, but nowadays that is hard to live off. Inflation keeps rising but peoples social security benefits do not, so saving over the years that you work is extremely important, and it is becomingly even more urgent now that at any time in the past. Here are 20 blogs that have excellent advice on saving for retirement so you can relax and enjoy life after years of hard work.
- Retirement Savings Tips – Here is a great list of tips all about saving for retirement, this gives a list of reasons you should save as well as great ways to achieve the savings you need.
- Retirement Savings Tips For 25- To 34-Year-Olds – It is never too soon to start planning and saving for retirement, now it is especially important for people to start saving at younger ages since we are unsure what will be there for social security benefits in 20-30 years.
- Retirement Saving Tips – Personal Finance Basics – This post has some of the basic tips you need to consider when it comes to saving for retirement. Understanding and practicing the basics is the best way to start saving early.
- 5 Retirement Saving Tips For Late Starters – There are millions of people who don’t start saving for retirement until later in life, some are evn mid-30’s to early 40’s. This may be that they haven’t given any thought to it or else they think they will be fine waiting and still having enough next to their SSI to make it. Unfortunately it is not a great idea to start that late, here are sme tips for the late starters.
- More Retirement Savings Tips – Here is another nice article on ways to save extra money for your retirement, the more you save now the better the future will be when you decide to retire.
- Even More Tips on Retirement Savings – There are so many different ideas and tips that can help you find new ways to save money, here are some more tips that can help you save.
- Guidelines and Tax Saving Tips Pertaining to Retirement Savings – There are many different guidelines to follow when it comes to different types of retirement saving accounts, here are some great tips to assist you.
- 5 Tips to Increase Your Retirement Savings – According to the Employee Benefit Research Institute’s 2010 Retirement Confidence Survey, about 70 percent of current workers plan to work for pay during retirement. So chances are, you’re looking to increase your retirement savings as much as you can now, so you don’t have to work more later.
- Savings Tips for Emergency or Retirement – This post has some good tips on retirement savings and also covers emergency savings.
- Retirement Savings: Money tips for the cash-strapped retirees – With the present financial condition in the US, an increasingly large number of retirees are struggling to make ends meet and in large parts of the nation, they’re gradually being walloped by the ill-effects of the inflation.
- 10 Retirement Saving Tips – 10 more tid-bits of advice for retirement savings from a site that deals with finance and savings.
- Diversify Your Retirement Savings Now! – Retirement is a huge deal, and it is something that most people plan for their entire working life. Given the importance of being able to afford to retire, why do people pay so little attention to their retirement investments? Maybe it is because retirement seems so far off, or perhaps people just avoid financial decisions because they feel they are not knowledgeable enough.
- Pay Taxes Later and other Retirement Savings Tips – Here are a couple of great videos regarding saving for retirement and some tax advice as well.
- A Simple Approcah to retiement Savings – People aren’t saving nearly enough for retirement. With more and more companies eliminating their pension plans, self invested retirement plans (like 401k’s, 457′s and 403b’s) and Individual Retirement Accounts (like traditional and Roth IRA’s) are becoming the only viable choices for investing for retirement.
- Year End Tips for Retirement Saving – There are some little extra things you can do at the end of each year that can help you save more money to ut towards your retirement savings, and here are some excellent ones.
- Savings Tips and Tricks – These are some great general savings tips, and any savings you accumulate can stay in your account so when you retire you have extra money to get by on.
- Behind on Saving for Retirement? Tips for Catching Up – if you are behind on what you had planned on having saved at this point in your life don’t fear just yet, you can catch up and here are some great tips to help you get back on track.
- Eight tips for using your retirement savings wisely – Once you have saved up and are at retirement age you need to budget accordingly and spend your money wisely, here is some advice to help you get and stay on the right track for a good retirement.
- 8 Retirement Tips for 20-Somethings – Young people are in the best position to start saving for retirement, but many of them do not even think about it until much later. Here are some tips to help young people understand the importance of saving early for retirement.
- Get Credit for Your Retirement Savings Contributions – You may be eligible for a tax credit if you make eligible contributions to an employer-sponsored retirement plan or to an individual retirement arrangement. Here are six things the IRS wants you to know about the Savers Credit.
Image credits: jollyuk
Categories: Advice
Twitter is loaded with all kinds of good information and resources, and if you are into something specific there are probably many great Twitter feeds that you should be following. When it comes to finance, debt, and credit there are many different things you need to keep up to date with because things change so frequently. The Twitter accounts below are always providing great info related to finance and can be a great asset to you so you can keep up with everything. Many of these accounts also offer up some great advice that can help you fix your financial and credit problems, and there are a lot of people that need some ideas on ways that they can do that.
Personal Finance – This is the Twitter feed of the Financial Times and they are always offering up good resources, blog posts, and advice related to finance.
Frugal Dad – This is the Twitter account from Frugaldad.com and they tweet about different ways to save money and post some great links to help you save money.
The Weakonomist – Another great one to follow, here you will find discussions on the economy, financial related humor, tips and much more.
Daily Finance – Another excellent financial related Twitter feed that helps people deal with tough economic times and also helps them prepare for a secure financial future.
Financial Highway – This is the Twitter account of the blog by the same name, they are all about personal finance and Tweet frequently about all things finance related.
Free From Broke – Another Twitter feed from a blog with the same name, here you can learn about saving, credit cards, credit scores, debt, investing, and all things personal finance.
Man vs. Debt – A Twitter account and blog about a young family who is working on paying off debt, here you can find even more great tips for becoming debt free.
Get Out of Debt Guy – Helping people get out of debt for free. My approach — Life trumps debt. Happiness trumps sorrow. Kindness trumps evil. Good wins. Practice Safe Debt.
Paid Twice – Here you will find lots of great tweets that can help you save money and work yourself out of debt.
LearnVest – A leading website for women and personal finance. Live Richly with our tips, stories, discussions.
Finance News – Up to date news on banks, insurance, property and financial services.
Money Saving Guide – Tips, tricks, and advice to help you save money so you can pay off your debt.
Almost Frugal – Another great account that you should be following for more advice on budgeting, savings, and personal finance.
Budgets Are Sexy – This one is a self explanatory one, a feed loaded with advice on budgeting and finance.
Enemy of Debt – Here is another one that can help you get out of debt and has many tips to help you stay out of debt for the long haul.
Suburban Dollar – This Twitter account provides a layman’s view on personal finance from the position of someone who doesn’t know it all.
Money Saving Expert – Money Saving expert is dedicated to cutting your costs, finding deals, beating the system & fighting your corner.
MSN Smart Spending – Money savings ideas and other tips from MSN Money and other respected financial bloggers.
Debt Relief – Here you will find links to blog posts and some great tips about getting out of debt and budgeting your money correctly.
Sure Debt Relief – Tweets with a lot of excellent links to informative articles about getting out of debt, staying out of debt, and budgeting.
Financial Resources – A Twitter list filled with lots of links to many top notch financial resources.
WiseBread – This is a Twitter account that is very popular, just like the site it represents. They have loads of great info when it comes to all things finance related.
Its Only Money – Here is another great Twitter account that come from a resourceful blog like many of the others listed. Lots of great personal finance information can be found here.
Savings Tips – Here you will find lots of tips on saving money so you can have a better future for you and your family.
Centsible Life – A feed run by a mom and a respected blogger, she tweets about many different things but is focused on personal finance and living frugally.
Image Credits: swimparallel
Categories: Advice
Below is an infographic (we love them!) that takes a look at current (2011) consumer debt in the U.S. While the numbers may look bleak, it’s not all bad news. The average family in 2011 actually has a manageable amount of debt, ESPECIALLY when you look at the current price of homes, cars, and college tuition for those entering the full time work force. If anything, it’s the upcoming generation that is in the most trouble.
Another positive swing with these numbers is that they’ve actually started going DOWN since 2008. In fact the only category of debt that has consistently risen in the last 3-4 years is college loans. Credit card debt has been reduced as families are tightening their wallets and purses favoring paying down debt over spending. Car and home loans are more difficult to obtain, and since the housing bubble burst, foreclosures are a major factor of the decrease in overall mortgage debt. That said, $11.4 Trillion is no small chunk of change. Here’s the breakdown:
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Categories: Debt
We are a long way from interest rates being fair to the American consumer. But it does seem that our government is hard at work and on the case. The average consumer will tell you the proper laws need to go into effect immediately and our leaders tell us they are as we speak. These so called watchdog agencies that the government has put into effect are claimed to be the strongest protection credit card holders have ever had with credit card agencies. We are to be assured the turnaround with this debt problem should start to show a positive effect within the first half of next year, which could help bring relief to millions of people across the country.
- Wall Street reform bill taking shape for consumers Our Government goes to bat for the protection of the American consumer’s rights against credit card agencies
- Restoring Ameriancan Finacial stability Act of 2010 Credit Unions that offer their clients credit cards may allow merchants to interfere with the terms of the card.
- Auto Dealers Stalled Families first Auto Dealers demand to be excluded from being held accountable for debt that consumers create.
- Approaching the home stretch Both the House and Senate Bills would abolish the Office of Thrift Supervision ,giving the Office of the Comptroller of the Currency supervisory authority over national banks and Federal thrifts.
- Merchant Alert: Debit Interchange Regulation continues move forward If the bill is passed, the Federal Reserve Board would gain the authority to establish rules and regulations related to the Interchange fees that issuers could earn with respect to debit card transactions.
- Senator Dodd Releases Discussion Draft of Restoring Financial Stability Act of 2009 Senator Dodd’s bill would establish a Consumer Financial Protection Agency (CFPA) that would consolidate most of the consumer protection responsibilities
- Fannie And Freddie Must Go As orthodontists with installment plans and retail stores with layaway plans, but left the elephants Fannie Mae and Freddie Mac to roam free with unlimited taxpayer backing.
- Senate Passes Finacial Reform Bill The Senate adopted an amendment to allow the Federal Reserve to set limits on the fees charged to retailers by credit card companies for the processing of credit card transactions.
- Call Your Senators Now To Stop the American Financial Stability Act of 2010 Amendment 3060 A preliminary review of the Amendment reveals that the most damaging provisions of the bill – those relating to fee regulation remained intact despite recommended changes
- Wall Street Reform: What Does It Mean For Credit Cards? Almost everyone agrees that reform is needed, but many question whether this watered-down version addresses the problems… or just creates new ones.
- Choice Privileges credit card review Take a look at which hotels are included in the Choice Privileges card reward program:
- Another View: Punting Financial Reform Of far more interest to those attempting to understand the bill’s implications, it is chockablock with “punts” to the regulations that will follow once the bill is enacted into law.
- Congress Bypasses ATM Fee Limit… For Now A blog about paying only .50 cents vs $1.00 on all ATM transactions will make American half happier about saving.
- An Introduction to Financial Reform and the Protections for the Consumer A blog about healthcare reform and protection of the American Consumer concerning credit card scams.
- Merchant Ire Pushes Potential Interchange Restriction via Congress An article about limiting certain practices of the card networks relative to both merchant card acceptance rules and to merchants’ ability to offer discounts or impose surcharges for various payment options.
- SNOWE OFFERS TWO KEY AMENDMENTS TO FINANCIAL REGULATION LEGISLATION Senator Olympia J. Snowe (R-Maine) a senior member of the Senate Finance Committeeoffers two key amendments designed to temper onerous bank regulations and protect the privacy rights of consumers, and improve access to credit for American entrepreneurs.
- Consumers Want Financial Protection Agency, Obama Administration inches closer A blog about a survey that was conducted by Social Science Research Solutions (SSRS) for AARP from January 14 to January 24, 2010, among a nationally representative sample of 815 respondents at least 50 years old.
- House Passes Financial Services Bill; Mandates Racial Favoritism an article touching on the stability of our government and if the bill that are passed are bailouts to cover other federal issues.
- S.3217: The Restoring American Financial Stability Act The Restoring American Financial Stability Act, is the hopeful legacy for the outgoing Chairman of the Senate Banking Committee, Christopher Dodd.
- Sneaky Senate Move Is Bad for Car Buyers Auto dealers have been fighting hard for a special exemption. The question came down to the wire in the Senate, and in fact, Senators voted on it after the bill was passed.
- USA Today Cheers Proposed Financial Protection Agency This story even includes a section called “keys to a new agency’s success” with quotes from “experts” at a wide variety of government agencies.
- Financial Crises: And the Cycle Continues Discussing topics such ashese new acts would also create yet another oversight/regulatory organization called the Consumer Financial Protection Bureau to regulate mortgages, credit cards, and other financial consumer products.
- President Obama signs broad finacial reform bill into law Will the nation grow as we try to get out of debt and come out of the red?
- Creditors’ Rights A blog discussing your rights as a comsumer and how much you are actually proted by these new bills being passed
- Interstate lending reform proposal promises to level playing field for local lenders, end interest rate exportation by out-of-state banks Find out why out why out of stae banks can not supersede local rates
- The Durbin Amendment S. 3217 is a good thing. What gives merchants the right to include their own fees surpassing bank and lenders rules?
- Your Turn: Financial Stability Act A blog about our new watchdog programs to protect the American consumer.
- Dodd-Frank Wall Street Reform and Consumer Protection Act Find out about CEO’s being accountable for the mistakes, a bill with tighter rule than any of its previous.
- President Obama Signs Historic Financial Reform into Law Why the financial industry is central to our nation’s ability to grow, to prosper, to compete and to innovate.
- Credit unions oppose Act’s Interchange fee amendment An article about the interchange fee, the fee paid by merchants to credit unions and other financial institutions for processing a debit card transaction. This fee also helps cover fraud, data security, and other costs of running the program
- Obama signs financial reform law Obama keeps his promise ans sticks to his guns about taking the back of the American Credit card holder
- 10 Ways New Wall Street Reform Law Will Help You Find Out how to access tour credit score , a new consumer hotline and much more
- REFORM SWIPE FEES NOW: BANKING LOBBY FIGHTS TO KEEP.. More on interchange fees and the unfairness to the consumer.
- American financial reform act of breaking An article on lenders not giving money to those who cannot afford the loan
- President Signs Financial Reform Bill An Article about farmers getting the fair shake? With the new bill passed will agriculture suffer?
- Elizabeth Warren Expresses Guarded Support For Dodd FinReg Bill UPDATE: Sen. Brown, Too An article that discussing wallstreet bringing the economy to the brink of collapse
- Judgment Creditor- Anarticle about a creditor who won a lawsuit against consumer in debt. Justice or in just?
- Financial Services Reform Alert A law ensuring comsumer financial protection, the most they have ever had.
- Interchange fees: Will cutting them for businesses raise the cost of credit for the rest of us? A blog about consumers paying credit card costs, while the threat of unemployment hangs over their head, who will make up the losses?
- Vitter’s Not-Everything’s-a-Bank Amendment Drives Progressives Nuts Find out who in our government is really fighting for financial reform.
Image Credits: Rainer Ebert
Categories: Advice
