It’s hard to believe, but summer is quickly coming to a close.
The days of lounging by the pool, enjoying little league baseball games, and soaking up the sun will soon be over. Instead, you’ll be raking leaves and putting kids on the school bus.
There is one upside to the shorter days, though: the end-of-summer sales. To score big savings, purchase these items now: [ continue reading… ]
If you’re a new college student, moving into the dorm probably marks the first time you’ll truly feel like an adult.
Unfortunately, this is also a time rife with bad financial decisions.
Even if you’re just the parent of a college student, it’s good to know common ways they stumble financially — so you can help prevent unnecessary financial hardship.
Here are four of the most common money mistakes college students make, along with my tips on avoiding them: [ continue reading… ]
If you are one of the millions of Americans who has cell phone service from Verizon, AT&T, T-Mobile or Sprint you should be able to reduce your rates by up to 30% without compromising your coverage. The suggestions below will show you easy and effortless ways to accomplish this goal.
Mobile virtual network operators (MVNOs) have a very simple business model. They buy wholesale wireless service in bulk from Verizon, AT&T, T-Mobile or Sprint, and then sell it at discounted prices under their own brand names. In return for helping consumers get lower rates they make a small profit margin for acting as middle men.
Most MVNOs do not require service contracts and allow you to bring your phone number with you. In addition, as long as you are not changing networks you typically will not need to buy a new cell phone. There are downsides to getting wireless service from MVNOs, but they are minimal. The main drawback is that most MVNOs tend to employ a skeleton staff to keep their rates as low as possible. This can lead to longer than usual hold times when you call their helplines. Also, MVNOs that use Verizon’s network do not presently have access to their 4G LTE services. However, this is likely to change in the near future.
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Debt is a bad word in financial circles: People are constantly talking about eliminating it, tackling it, consolidating it, and avoiding it. While I can’t argue the wisdom of these aggressive (or evasive) actions toward debt, there are times when debt isn’t a bad thing.
Personally, I’ve been debt-free a few times in the past, and I plan to be again. I am in debt right now, but I don’t feel bad about it. I used to view debt of any kind as taboo and unacceptable, but I’ve realized that sometimes loans are a tool that can be used to benefit your finances and position in life. From what I can see, my debt follows a healthy pattern — and as long as it can pass the following questions, I have no reason to regret it. [ continue reading… ]
I’d wanted one for years. Let me rephrase that: I’d craved one for years.
It seemed like all my running friends owned a fancy GPS watch used to collect statistics about each and every run. At races, I’d notice countless runners poised to hit the start button on their GPS watches when the gun went off. I convinced myself that owning one would add a formality to how serious I was about my running.
So I walked into a sporting goods store and dropped $150 on my very own GPS watch.
I loved my new toy. After each run, I connected it to my computer and downloaded my info. I’d be shown a map of my route and given statistics that helped me gauge my training progress, as well as show me what I needed to work on. I felt like I finally had the tools to help me reach my full potential as a runner. [ continue reading… ]
Most of us are looking for ways to trim the fat from our monthly budget. I recently refinanced my home, saving me about $300 a month, and that made me hungry for more savings.
So I decided to see if I could find $500 more to trim from my monthly budget — and I did. Here are the four simple steps I employed:
My first step was to look through all of my subscriptions. I was receiving magazines that I didn’t even read, and I was also signed up for online access to a couple of sites. I looked through everything and realized I was paying about $65 per month in subscriptions. This was the easiest thing to cut, since I don’t use these publications anyway. [ continue reading… ]
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