Trying to be more efficient? Try out these tips and tricks

There are only so many hours in the day. Use these ideas to help you make the most of them. Manage financial accounts online. Direct deposit your paycheck and log in to your financial institution’s website to check balances and set up automatic payment for bills. Store everything on the cloud. Most new computers come with […]

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10 Ways to Make Moving In with Your Parents Painless

There is no shame in moving back in with your parents, but things will definitely be different the second time around. You are still their baby, but throwing a fit about it won’t help. Here are 10 suggestions to help make the move an arrangement between adults and avoid an R rating for violence and […]

Can You Haggle Your Way to a Better Deal?

Modern American shoppers may not practice it often, but haggling is in our blood. The art of haggling was embraced in the U.S.A. until the late 1800s, when the concept of the sticker price was introduced. By the 1930s, sticker prices on everyday purchases were well established. In Asia, Africa and Latin America, however, haggling […]

Filing Bankruptcy: Is it worth the fresh start?

When Antonio can’t pay his debt in Shakespeare’s Merchant of Venice, the creditor asks for a pound of flesh. Nowadays if you’re dangerously in the hole, you can’t give up a hand but you can file for bankruptcy. If your debt is discharged, creditors can no longer collect on those debts, and you’re no longer liable […]

Overdraft Drama: How to keep your money safe

Don’t count on your debit card or check being rejected at the register when you don’t have enough money to cover your purchase. Quite frequently, you can walk out of the store with not only your purchase, but an account that’s now in the red and an overdraft fee from your financial institution. As long […]

How to Start Your Indoor Garden

Walking through a local farmers market, you’ll find an assortment of homegrown fruits and vegetables. As one season yields to another, that delicious produce disappears. However, not everyone has to resort to the produce section of a local grocery conglomerate. Even in small spaces like apartments and dorm rooms, an indoor garden can thrive. Regardless […]

Get What You Want: Negotiating like a pro

As children we made a case to stay up past our bedtime or have a cookie before dinner. Negotiating as an adult, from asking for a pay raise to a discounted product price, can be intimidating. The good news is that you don’t have to be a corporate head in a power suit to hold […]

8 Simple Ways to Save Without Giving up Your Morning Coffee

Ever wonder where all your money has gone at the end of the month? You might be performing a magic trick without even realizing it. And you’re not alone, my friend. Saving money can be one of the hardest habits to nail down, but learning how to save in small places can really start to […]

Ways to Use Your Money Wisely

With all the talk about consumers pulling our economy out of a black hole, you might think that spending is more important than ever. But as saving rates creep higher after hitting historic lows, is common sense telling us that we should build a nest egg instead of buying a home? The things you buy […]

A Six-Week Guide to Get Your Savings on Track

Why do personal finance pundits still tell us to stop spending money on lattes? Has that ever worked? Instead of wasting our time focusing on saving a few bucks here or there, I prefer to focus on the few big things that really matter and that I can control — the things that will make hundreds of […]

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Baby’s College Fund: 529 Plans vs. Gerber Life College Plan

“How am I going to pay for this kid’s college education?” Every parent stresses about this, especially when considering average tuition at public colleges rose 8.3 percent to $8,244 in 2011. Private colleges rose 4.3 percent, and now cost about $42,224 including room and board. Scholarships and grants can take the edge off, but if you […]