What Should I Look for in a Bank?

Published on Sep 30 2013 // Banking
If you are looking to open a new checking or savings account (or both), you may be wondering how to go about deciding between different banks. Since banking can be an almost daily part of your life, taking the time to find a bank that fits your needs is definitely worthwhile. Here are a few things to...

Are You Really Living Within Your Means?

Published on Aug 26 2013 // Personal Finance, Retirement, Savings
Do you take the time to budget?  If you do budget, do you stick to that budget?  If you answer yes to the first question, congratulations, you’re ahead of 66% of the U.S. population who does not budget (and your probably ahead of the majority of Americans who make a budget but then can’t...

Savings Strategies For Everyone

Published on Jun 07 2013 // Personal Finance
Savings Strategies For Everyone
There are so many ways to save money, but it’s important to note that different strategies will work for different people. With so much information out there, it can be hard to find the one that works best for you and your situation. The best approach is to try out several different savings techniques...

How to save up for a down payment

Published on May 21 2013 // Housing Market, How To Guide, Savings
It’s not any secret that my husband and I are vying to be homeowners. Home ownership has always been a goal of ours, but it has often taken the back burner to more pressing things, like graduate school, job training requirements, and paying down the last $14,000 of our student loan debt. We’ve been...

3 Questions To Ask Yourself When It Comes to Splurging

Published on May 17 2013 // Personal Finance
3 Questions To Ask Yourself When It Comes to Splurging
Last week, I decided to have a big splurge. I bought an international plane ticket last minute to go home and visit my family. I had some time off of work, it was Mother’s Day, and it was also a few days before my birthday. While I hadn’t planned on seeing my family until the holiday season,...

Owing Taxes vs. Receiving a Refund: Which is better?

Published on Jan 11 2013 // Know Your Taxes, Taxes
Owing Taxes vs. Receiving a Refund: Which is better?
It’s probably been argued for as long as they’ve been around: when it comes to taxes, is it better to give than to receive? In an ideal world, it would be easiest if you could just guarantee that you wouldn’t owe any taxes or receive any refund. The personal finance community and most...

Open a Home Buyer Savings Account to Start Saving for a Home

Published on Oct 19 2012 // Banking, Savings, Supporter
It’s never too early to start saving for a home. It is a process that takes time, determination and patience. Whether buying a house is in your immediate future, setting aside money now will help ensure you are ready when the time comes. Generally, you want to save about 20 percent of the selling price,...

Don’t Let The Witches Get To Your Savings: Put Your Money Into an ISA!

Published on Oct 18 2012 // Banking, Supporter
Did you know that in the old Celtic calendar Halloween (or Samhain) marked the first day of the New Year? Christmas is on the horizon, and you need to come out the other side with your finances intact. So in the Celtic spirit, make a resolution to manage your cash wisely this winter. Choose to invest...

How to Survive On Monthly Pay

Published on Oct 16 2012 // Budgeting
For some of us, it’s not just about the overall annual wage or salary that they are earning. Most workers prefer being paid once a fortnight. It gives them a manageable amount of money in an amount of time that doesn’t leave you strapped for cash at the end of the month. If you do get paid monthly,...

3 Advantages to Using Direct Deposit

Published on Jul 17 2012 // Banking, Personal Finance, Supporter
3 Advantages to Using Direct Deposit
If your employer offers direct deposit (and most do these days) there are several advantages to using it.  In fact, direct deposit is not only beneficial to you, the employee, but also to your employer because it saves them time and resources printing and distributing paper checks. Here are three reasons...

How to Avoid Check Bouncing Charges

Published on Apr 30 2012 // Banking, Credit Cards, Finance 101, Personal Finance
How to Avoid Check Bouncing Charges
If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union.  In addition, the person you gave the bounced...

7 Fun Ways to Teach Children to Save

Published on Mar 22 2012 // How To Guide, Savings
7 Fun Ways to Teach Children to Save
Creativity is a child’s bread and butter, so why not use that to your advantage to teach them about saving money? These clever tips are ideal for teaching your child how to make smart money decisions. 1.     It’s All in the Visuals Children tend to be visual learners. Hang up a savings goal...

Three Financial Goals to Accomplish Before Saying “I Do”

Published on Feb 13 2012 // Cost of Living, Finance 101, Savings
Three Financial Goals to Accomplish Before Saying “I Do”
Whether you have found the perfect life mate or not, there are three financial goals that everyone should work on before they walk down the aisle. Marriage is truly a blessing, but finances are the number one item couples argue about. To keep your marriage sailing smoothly and to give yourself a good...

Lessons learned from Christmas Spending

Published on Dec 29 2011 // Credit Cards, Personal Finance, Shopping
Did you go overboard with your Christmas spending this year? I know I did. Every year, I vow to stick to a budget for Christmas. Every year, I fail. My problem is not just spending money on presents, but also all the extra spending that is done throughout the month, such as eating take-out a lot more...

Saving Online, Is the Future Now?

Published on Nov 01 2011 // Banking
When you think of a savings account, what comes to mind? I think of vaults, deposit slips, weird bank smells, and plastic teller smiles. I don’t think World Wide Web. But, the Internet is entering nearly every sector of our lives from social to shopping, and education to entertainment. Why can’t...

Finding Your Credit Card Type

Published on Apr 01 2011 // Credit Cards
There are so many types of credit card s available nowadays that it can be quite the challenge to even know where to start. You can find everything from low rate credit cards to cash back rewards, and even some credit cards that are geared directly towards a specific group of people, such as students...
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