If you speak English in your home, your kids are not likely to come out speaking Italian. Kids learn through observation and imitation. And they don’t miss a thing. Children are shaped from the very beginning of life by the way their parents live. They are ever-attentive witnesses of grown-up behaviors. They take their cues…
8 Ways To Have Fun Without Spending Money
Got more time than money? No problem. You and your family can do so many fun things without spending money — next weekend or any time of the year. Consider these ideas to help get some plans in motion. No. 1: Go Geocaching Not exactly a sporting event, geocaching (pronounced GEE-o-cashing) is an outdoor treasure-hunting…
Energy Bills Are High and Not Coming Down Soon. Here Are Ways to Cut Costs.
Andrew Maykuth The Philadelphia Inquirer If you haven’t examined your monthly utility bill lately, brace for a shock when the cost of air-conditioning comes due in the next few weeks. If the AC bill doesn’t raise your pulse, your heating tab next January might, assuming that global energy markets remain unsettled. According to the most…
How to Afford Big-Ticket Items for the Year—Timing Could Really Make a Difference
When Brandy Baxter needed to replace her home’s entire heating and air conditioning system several years ago, she asked contractors if they offered deals at certain times of the year. She learned that if she waited until February, the slow season for such work, she could get a lower price. Baxter, a financial coach based…
How to Save More When Inflation Makes Your Money Count Less
When it comes to spending power, inflation means that things cost more and that your money becomes less valuable. When a period of high inflation hits—like right now—you may want to consider changing up the way you handle your finances to help protect the value of your cash. “Inflation is a time for investors and…
The Ultimate Guide To Save Money 5: Retirement Funds
April 3, 2022
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Savings accounts, bonds, stocks, and real estate are all places in which you can put your savings so that they’ll be safe for the future. Any investment can go down as well as up but if you balance your savings portfolio carefully, you should find that its value grows over the years. Those savings, though,…
The Ultimate Guide To Save Money 4: The Right Place to Put Your Savings
April 3, 2022
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You’ve paid off your credit card debt. You’ve cancelled subscriptions to services you don’t use. You’ve found others way to reduce your spending, and you now have more coming in than going out each month. You’re saving money. What are you going to do with all that money? While the simplest option might be to…
The Ultimate Guide To Save Money 3: Track Your Spending
April 3, 2022
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In order to save for any goal—short, medium, or long-term—you’re going to need data. You need to know how much money you have coming in, and how much money you have going out. You’re also going to need to know where that money’s going. Tracking Your Income If you’re salaried, tracking your income should be…
The Ultimate Guide To Save Money 2: How to Save Money
April 3, 2022
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If saving money was easy, everyone would be doing it. It isn’t easy. When you’re earning a low wage, it’s hard enough to make ends meet. You’ll always have to make rent and buy food, and there’s no shortage of other things to buy if only you had the money to buy them. As your…
The Ultimate Guide To Save Money 1: Why You Should Save Money
April 3, 2022
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Your work pays your bills. That’s its first job you need to earn enough to pay the rent, put food on the table, and keep the lights on. After you’ve met those essential obligations come other, near-essential expenses: a car, insurance, and entertainment. As earnings increase the first change is in the quality that those…
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