Free eBook: New Beginnings in the New Year - Money Management

Free eBook: New Beginnings in the New Year - Money Management Whether deterred by uncontrollable forces (like the economy and job loss) or just fear of lacking the self-discipline to follow through, the New Beginnings eBook  from Monemanagement.org aims at helping consumers start the new year off right by setting and keeping financial resolutions that not only improve their finances, but also improve their life.   New Beginnings covers:   Ten financial resolutions worth keeping Steps to get a grip on financial clutter How to set realistic financial goals and resolutions How to personalize goals to make them more achievable New Beginnings offers a step-by-step guide to turning resolutions...

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Posted in: ebook , free , New Year's Resolution , resolution

10 Money Saving Tips

1. Consider your needs vs. your wants. Think about items you purchase on a regular basis. These add up. Where can you save? Do you eat out at restaurants a lot? Can you cut back on daily expenses, such as coffee, candy, soda, or cigarettes? Do you have services you do not really need, such as cable television or a cell phone? 2. Set up a direct deposit and an automatic transfer to your savings account. When you get paid, put a portion in savings through direct deposit or automatic transfer. If you have a checking account, you can sign up to have money moved into your savings account every month. What you don’t see, you don’t miss! U.S. Savings Bonds can be purchased through payroll deduction. 3. Pay your bills on time....

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King Solomon's Wisdom

God inspired the wisest and richest king to write witty sayings full of advise for us to prosper in every part of our life.  The writings of King Solomon are practical, hard-hitting, current, and spiritual.  There is not a better book for financial advise than the words of King Solomon. Financial planners charge a bundle for their sometimes bad advise, but what would the wisest man who ever lived charge for answering not just financial questions, but questions about all our problems?  $100 an hour? $300 and hour? Gods inspired wisdom from King Solomon's life is priceless and absolutely, 100% free! (Who doesn't love getting something free?). King Solomon was incredibly rich, and he gave inspired advise to his children...

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Posted in: Biblical Financial advise , Proverbs , Solomon on Money

5 Easy Ways you Can Save Money on Gas

Heard about the latest gizmos to improve your gas mileage? Well… studies show they don’t deliver as promised… and some can even damage your car’s engine. The latest gas saving gizmos don't deliver as promised, and may lead to you  spending more than  you save. But there are easy steps you can take to increase your gas mileage and stretch your gas dollars. Here are five easy ways you CAN save money when it comes to your car: 1. Clean out your trunk. Don’t carry what you don’t need. 2.  Slow down. Every five miles per hour over 60 costs you a quarter extra for a gallon of gas. 3.  Go online to find the least expensive gas stations in your area 4.  Turn off your engine if you’re parked and waiting. 5....

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Posted in: gas , Save , Saving , shopping

How to Save Money on Heating your Home

More than HALF our household energy costs go to heating? Energy efficiency isn’t just good for the environment, it means lower utility bills, too. One way to reduce your energy waste is a home energy assessment. Your utility company can help – or you can learn how to do it yourself at EnergySavers.gov. You’ll learn to look for air leaks around windows and doors, check ducts for holes and to improve your insulation. Another time to cut energy costs is when you shop for a new appliance.  Look for the Energy Star logo and read the EnergyGuide label. And there are day-to-day things you can do. Lower your thermostat in winter and raise it in the summer. Close fireplace dampers when they’re not in use. And keep air filters clean. What...

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Posted in: Bills , Save , Saving

Online Shopping Tips

Image Credit- www.corpoclothes.com More people are shopping online. It’s convenient, and you can bring a world of choices to your computer, phone or tablet. Are you one of the millions of people looking to buy something online? If you are, there are steps you can take to avoid hassles, get the right product at the right price, and protect your financial information. First, plan ahead by setting a budget. Ask yourself, “How much do I want to spend?” Be sure to include delivery costs in your budget. Second, determine what’s most important to you about the item you’re thinking about buying. What are the “must-have” product features? Are there features that would be nice to have, but you can live without? This will help you choose the product...

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Posted in: Online , refund , review , sale , shopping

How to Save on Groceries (Infographic)

Looking for ways to save money on groceries? Start by knowing when grocery stores are tricking you into spending more money than you intended, and adjust your shopping strategy accordingly. ...

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Posted in: frugal , groceries , personal finance , Save , shopping

Your Email Etiquette Could be Hurting your Progress

Nearly everyone uses e-mail, but do they use the proper etiquette for email? This graphic takes an evaluation of the how tos and how nots of emailing. ...

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Posted in: career , email , etiquette

How to Avoid Overspending this Holiday Season

Christmas is just a little over two weeks away and if you celebrate by giving gifts it's easy to overspend or rack up your credit card debts if you don't pay attention to your budget. Staying on budget during the holidays requires thinking about what really matters to you. If you tend to overspend, here are a few quick tips that can help you cut your spending and still allow you to enjoy the season. 1.  Make a list and check it twice If you haven't already, list the friends and family members with whom you usually exchange gifts.  Then decide if there is  any one you can remove from your list. 2. Set a budget One you're satisfied with who's on your list, set a budget fro each person or gift.  Pick a...

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Posted in: debt management , Overspending , Shopaholic

Building Credit and Keeping yours Healthy

You probably know your credit score and how it affects the interest rate you get on a mortgage or car loan. But did you know it could also affect your employment options? Building good credit takes work but it can be done. Continue reading to find out the five things you can do to build a healthy credit score as well as how to avoid some pitfalls that can hurt your score. There are certain things everyone buys; groceries for lunch and dinner, gas to get you back and forth to work, even a toy or two for the kids, but instead of paying cash or using a debit card for all these little expenses, some of you are using a credit card. If you payoff your bill every month it's not a big deal. But what happens when all these start adding up faster...

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