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Tips for studentsDo you agonize over your cell phone bill each month? Well you don’t have to! Here are some realistic tips to save on your cell phone bill. If you are an avid texter, switch to unlimited text messaging. Ten cents for each text message over your limit can add up, so if you text as […]
Now that we are beginning to settle in to the new semester, you are probably sure which books you do need and do not need to buy. Well, in fact, you don’t need to buy any books at all! Chegg.com is a great resource for renting books for classes. They even allow you to rent […]
Want to go on a date or take the family to the movies? Here are some simple steps to take to save money when watching a movie. • Go to the matinee. Going to a matinee showing can save a lot of money, especially if you are bringing the whole family. A few dollars off […]
You don’t necessarily have to sacrifice quality to save money. An easy way to save some money is to buy used. For some reasons, there may be things you would want to buy new, like a computer for instance, but there are also many things that you can buy used and still get great quality! […]
Whether you are single, new to a relationship or married, dating can get expensive. If you are single, you may want to have a girls’ or guys’ night out but going to restaurants can be costly. If you are dating, of course you want to make a good impression but may be on a tight […]
Expense 4-Health Care: Like all of the other expenses discussed in the three previous weeks, health care can be an unpredictable expense, even when considering the relative “protection” provided by health insurance. Expenses that must be covered are deductibles, preventative or elective care, vitamins and minerals, and prescription costs. Are you ready for these to […]
Expense 3 – Appliances, tools and electronics: The reality of life is that things break. They do so frequently, often in bunches, when we least expect it, and at the most inopportune time. That’s why it’s important to be prepared for the replacement cost of critical appliances, tools, and electronics. Consider the lifespan of a […]
Expense 2-Gifts: Have you ever said to yourself- “No, I can’t afford to buy that gift.” It is human nature to please others and more often than not, we are going to buy that gift for someone we care about. Gifts are sporadic and unpredictable. You may forget someone’s birthday or wedding shower until the […]
There are budget categories in life where sooner or later, money will be spent. It may be $500 on a repair this month, and $400 on a new product next month. Over the course of the year, we can average out and prepare for these expenses. There are four categories of unexpected expenses that will […]
Think you are stressed? Take the Personal Financial Wellness survey (PFW). Your PFW can help you determine what level of stress you are experiencing due to personal finances. By taking an eight-question financial stress quiz , you can learn how your stress measures in comparison to the national averages . Is your PFW score higher than the average? Take action – even a baby […]