Budgets

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How to Save Money by Taking Care of Your Car’s Tires

Taking care of your car’s tires can pay off handsomely by increasing your tires’ longevity, handling, and performance, as well as providing you with a more comfortable ride and better gas mileage. [more…]

How to Save Money on Holiday Decorations and Gifts

You can have festive holiday celebrations without dipping into savings or running up a credit card balance. Use these holiday-planning ideas to jump-start your creativity and see where your imagination [more…]

Financial Planning with Your Family

Your financial plan should involve the dreams, goals, resources, and responsibilities of the entire family. If you have a spouse, partner, or children, you may need to provide guidance as your family develops [more…]

Examining How Your History Affects Your Financial Attitudes

Early messages you got from your parents about money influence how you manage your money today. By reflecting on the messages you received and how they may be impacting your money-management decisions [more…]

How Much Money Do You Really Make?

Regardless of the size of your paycheck, not every penny you make is available to spend on what you want. What you have left after you take out all your must-pays — like taxes — is your [more…]

Budgeting First Steps: Separating Needs from Wants

After you determine your actual spendable income, you can focus on how that remaining money needs to be spent. The first step to creating a budget is to sort expenses into three categories: needs, wants [more…]

How to Track Your Expenses

Tracking your expenses is especially useful when your outgoing cash flow exceeds your income. Fortunately, you don’t need to go back and tally up months’ worth of checking account registers, credit- and [more…]

How Much Debt Can You Afford?

Just because a mortgage or credit-card company will give you money doesn’t mean you should take it. According to your lender, you may qualify for more debt than you can afford in your current situation [more…]

Assessing Your Current Debt Situation

To begin assessing your debt, you want to get all your debt listed in the same place so that you can see it all at once. The first step is to list all mortgage and consumer debt, including credit cards [more…]

How Would You Spend Unexpected Income?

Do you want to change your spending habits? To get onto the path of conscientious spending, it’s helpful to step back and explore your current relationship with money: Why do you make the spending decisions [more…]

Do You Overspend?

Money is something that touches most aspects of your life. You can’t avoid money — just like you can’t avoid food. Making bad decisions about your food intake can ruin your physical health, just as making [more…]

Managing Your Money with Automatic Withdrawals

The American way is to spend everything you bring in. But just because most people in the United States are doing it doesn’t mean that this way of managing your spending is healthy or smart. The best way [more…]

Developing Money-Saving Shopping Habits

Don’t allow your shopping trips to turn into a spending frenzy. Many simple tricks can help you save money. Take time to think about how you spend. It takes about 12 weeks to develop a habit, and developing [more…]

Entertaining on a Shoestring Budget

Do you want to socialize with friends and family while spending as little money as possible? Your guests will appreciate the quality time together as well as the frugality of these events. Here are a few [more…]

Sharing Money-Management Responsibilities with Your Family

Allowing your family members to participate in the family’s financial decisions and money-management responsibilities is beneficial. The more informed everyone is, the more you can work together to achieve [more…]

Raising Money-Wise Children

Involving your children in money-management discussions and decisions is extremely valuable. Children can be helpful or very challenging when it comes to effectively managing your money. Here are some [more…]

Teaching Your Children Financial Responsibility

Financial responsibility begins by understanding that everyone has duties and responsibilities. If you provide your children with an allowance, you can teach them about the direct correlation between work [more…]

Evaluate a Big-Ticket Item before Buying

It isn’t always easy to postpone buying things you really want. But before making any impulse purchases or signing contracts to make a big purchase, invest time to explore the rationale for these decisions [more…]

Examining Your Attitudes about Managing Money

Your thoughts about money influence your ability to manage your money. Positive thoughts lead to positive money management behaviors. Negative thoughts lead to financial ruin. Try to maintain an open mind [more…]

Examining Your Emergency Cash Reserves

Whether you have a substantial investment portfolio or haven’t started investing yet, you need to understand the fundamental building blocks of an investment portfolio. Keeping cash in hand to cover several [more…]

Ten Budget Halloween Decorating Ideas

Halloween decorations can look fabulous, even if you're on a budget. Create a stunning Halloween display with these money-saving decorating tips, whether you're using only a few intricately carved jack-o’-lanterns [more…]

Halloween Budget Tip: Carve Pumpkins with Household Tools

Pumpkin-carving kits are convenient, but if you don't have one, then use household tools. Carving Halloween pumpkins with tools you have at home is budget-smart. It's just as fun, and you'll get the same [more…]

How to Buy an Engagement Ring on a Budget

There is a lot of pressure on men when picking out that perfect engagement ring. Many men see the selection as a symbol of the depth of the love for their bride to be. The engagement ring may be a representation [more…]

What a Budget Can Do for You

A budget is a plan for spending the income you have, building savings and using credit wisely. In short, a budget allows you to control the direction of your financial future. Here’s a list of things a [more…]

How to Take a Vacation on a Budget

There has never been a better time to save money on your vacation than right now. The economy has put the squeeze on household spending and has forced most companies in the travel industry to offer significant [more…]

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