How to Save Money While Shopping. 8 Tricks for Hitting Sales.

America is the land of sales, there is always a store trying to entice you with discounted items. However, there are certain times of the year when big sales occur that everyone is waiting to enjoy. Labor Day is one of those times. You can see the signs posted days in advance and your email gets flooded with Labor Day sale promotions.  The stores know many people will be off…

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4 Simple Tips to Raise Your Credit Score.

The past two weeks we discussed what credit is, how you build it, what is a credit score, and what affects your credit score. Now you know the importance of your credit history, what is on it, and how those items affect your credit score. So you may be thinking ok, what do I do if I have a low credit score or what can I do to raise my…

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Credit and credit scores explained. Part 2.

What is a good credit score? Last week, we talked about what credit is and what is a good way to use it. Basically any time you borrow money, you are using credit and creating a credit history. Did you look at those “innocent” store cards differently? Before any lender loans you money, they have to assess how likely they are to get their money back and how likely they…

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What is a good credit score? Credit and credit scores explained. Part 1.

If you’ve ever borrowed money you started a credit history from which your credit score is based. Most of us got that first credit card right before going to college or shortly after stepping foot onto campus. I remember getting so many offers for credit cards in the mail. You know when getting mail was so exciting because you never really got anything via mail (and you weren’t paying bills…

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Budget for it. 4 steps on how to budget.

What is a budget? Budgets are plans for your future spending and saving or in other words a spending plan. Budgets are important for managing your income and achieving your financial goals and dreams. For many, the term budget often creates a negative feeling or anxiety. However, it doesn’t have to be this way. Do not think of budgets as completely about restriction and abstaining from things you like to…

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Healthy Recipes on a Frugal Budget. The Cheapskate Cook.

If you have read the previous articles or purchased my products, you know I’m all about saving money and cutting costs without cutting quality. I posted an article about saving money on groceries and got feedback on the healthy eating portion, so I wanted to let you know about a great blog I came across: The Cheapskate Cook. The articles are right up my alley (and maybe yours as well).…

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Groceries for two on less than $200 a month. How to save money on groceries.

One of the biggest expenses in the household is usually the food budget, which increases as the family size increases. Shopping for groceries can be an extreme chore that eats up a significant portion of your income. According to the U.S. Census, in 2010 a family of four spending moderately paid about $800 per month on groceries alone, this excludes eating out. That’s a whopping $9,600 per year on just…

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Saving Money Habits and Wealth. How do Americans compare?

  Saving money is crucial to building wealth as you’ll see below. However, many of us do very poorly with saving money. The statistics are really shocking. How does American saving money habits compare to others across the world? We’re getting completely crushed by individuals in other countries. Why does this matter? Find out below.   America Although America is deemed one of the richest countries, many of us have…

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Save Money on 4th of July Celebrations

Independence Day is almost here. Are you already envisioning your time off? Plans to celebrate the national holiday? You may be planning a road trip, barbecue or party. However, there’s no need to break the bank. Check out these tips to help you keep the cost low and the quality high as you celebrate for the holiday. Also, be sure to read the fun facts about Independence Day at the…

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3 Steps to Paying Back Your Student Loans Faster

I mentioned my guest article published on Bobby Finance a few weeks ago and received a few questions about it so I’m posting it here to assist those with questions on student loans. I also want to add that you can also go to the site www.myfedloan.org to view and manage all your federal loans. Many of us have taken out student loans to finance our education. If this is…

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