solar-money-house- solar energy

Energy Savings: How to Use Solar Energy as Leverage

Renewable power sources are getting quite popular these days with the ongoing campaign to go green. Out of all the renewable energy sources, solar energy happens to be one of the most popular among households as energy from the sun can be harnessed with the use of solar panels and estimating the amount of your cash outlay can be done easily with the price estimator from AGL Solar Energy. Many homeowners decide to install solar panels for the desire to go green and at the same time decrease their dependence on local energy sources. With the rising cost of energy, it would be to the benefit of every family to look for ways and means to decrease their electric bills without being deprived of using their gadgets and appliances and this can be best done by using solar energy. Here’s a list of the reasons why going for solar energy is advantageous for you: […]

work money - frugal emplyee

The Frugal Employee

It’s back to work for me, which means expenses related to work.  In this economy, everyone is doing what they can to save money, but some people are taking frugality to the extremes, especially if you’re an employee in a shaky industry that has seen mass layoffs these past few years. Regardless of what the state of your job is right now, it’d be a good idea to hop aboard the frugal train with the following tips: […]

cheap healthcare - health insurance

The Cheap Way to Do Obamacare

Have you logged on to the Healthcare.gov website yet? Yes, the website’s experiencing a few glitches and registration issues, but it’s worthwhile to log on now and poke around the site just to see your options – then go register in two weeks after the registration problems have been solved.

The biggest thing you’re hearing from news organizations is “if you already have health insurance, you don’t have to do anything.” Well, that’s all fine and dandy for people who like to do things the normal way, but it isn’t the best option for people who like to do things the cheap way.

If you’re the kind of person who’s reading this site, you’re probably already skilled at sussing out the cheapest airfare, cuts of meat, and other basic life expenses. Now it’s time to learn how to find the cheapest health insurance under the Affordable Care Act, as well as what to do about other types of insurance. […]

Refinancing - Should You Pay Off Your Mortgages Or Invest In 401(K)?

Important Things to Remember When Considering a Cash Out Refinancing Option

The cash out refinance option is far more popular than most people realize. According to the Truth about Mortgages, many people wind up with cash out refinance options without realizing it because the option may be given another name. This particular refinancing option can offer a lot of freedom. However, you need to keep a number of things in mind before you take it up.

Seasoning Required

Traditionally, lending institutions do not want to offer cash out options for houses that have not been seasoned. According to “Everything You Need to Know about Refinancing,” a property is considered seasoned if it has been financed for at least 12 months. This means that no refinancing or cash out options can be used during those 12 months. In some cases, lenders may be willing to make exceptions for most of the house’s value so long as the homeowners have a minimum of 25 percent home equity. […]

Envelope System - $2M Lottery Winner Uses Food Stamps

Saving Money with the Envelope System

You’re Terrible at Saving Money (and How the Envelope System is Going to Save You)

A lot of us are terrible at saving money. It’s hard–it takes persistence and the will power to not spend next month’s rent on “window shopping impulses”.

Instead of continuing to live in constant money trouble, never knowing where your funds will come from or where they’ll go, let’s talk about a tried-and-true budgeting system that will save your paycheck from yourself. Let’s work on getting you out of debt, getting you in control of your dollars, and on track to actually do something with your money instead of spending it on eating out, clothes you never wear, and junk no one cares about.

Let’s talk about the envelope system. […]

Savings Account - Finance 101: Why Banks Want You to Open Accounts

Three Ways to Get More Out of Your Savings Account

A pitiful savings account isn’t going to help you in a financial emergency. Like most people, you probably know the value of having a rainy day fund, and many experts recommend a fund with three to six months of income.

Of course, if you can only save a small percentage of your income each month, you’ll grow your savings at a slower pace.

There are, however, ways to get the most out of your savings. Utilize these tips and you might see a higher return on your money.  […]

An End To Tipping?

Is it time for American restaurants to abolish tipping?  Some restaurants are saying “yes” and are doing away with the entire tip line on your bill. But, others believe that getting rid of the tipping might impact the quality of service that you receive and may also dissuade service workers from entering the industry. Still[…]

Saving Money On Inkjet Printing

Saving Money On Inkjet Printing

On this site, we have talked about a lot of ways to save money and mitigate spending. Today, we are going to focus on ink-jet printers.

Ink-jets are fairly inexpensive to buy, and they make home printing accessible to everyone. But while you can find a printer for as little as $29.99, that doesn’t take into account the hidden costs. […]

children saving money = Banks Accounts

4 Banks Accounts At 14 Years Old

How early should you begin teaching your children the value of a dollar? It seems like it might never be too early.

I was inspired by this 14 year old who already has four accounts – one of which is his college fund. Every two weeks he makes the trip to the bank to deposit a part of his allowance into his accounts.

Teach your children to save early, save often and save as much as possible. If you need a little inspiration, watch what Jordan Lane Palmer is doing and begin a savings account with your kids today! […]

spending

How to Mitigate Spending

Despite the recession, many people have still enjoyed comfortable lifestyles where they can pick up new gadgets and re-dress themselves on a regular basis. However, the reality is many of us still live from wage to wage. This leads to a negative effect as many of us binge spend, leading to a huge up and down of good days and bad days.

In the USA alone, there is an estimated $850 BILLION of credit card date, and with the average household wage being $16,000, the scale is tipping in one way massively. There is no need to go down the credit card route, however, there are many ways you can salvage yourself financially by making a few hard decisions, and becoming a bit more frugal with your expenditure. […]

Living Costs

Ecologically Sound Ways To Reduce Your Living Costs

The entire world is struggling with inflation. Some countries have recuperated from the economic catastrophe while others are still months or perhaps a year or two away from complete recovery. Irrespective of the global economic climate, it wouldn’t be wrong to infer that living costs have risen phenomenally and would continue to rise in the[…]

saving money in las vegas - Gambling

Tips for Gambling Responsibly

Editor’s Note: A favorite summer destination for my brother and I (back in our 20’s) was Las Vegas.  There my brother discovered his love of gambling.  Me? Way too cheap to gamble, but he continues to do so often.  If you plan on gambling any time this summer, here are some tips from him.

Any seasoned gambler knows that gambling responsibly and maintaining good judgement is the key to a happy and productive experience.  You should never gamble more than you can afford and you should always log how much you’re spending each week.

It’s always good advice to keep a detailed log of how much you’re winning and losing as well as the nature of each bet you make.  This not only makes for sound financial sense, it also informs you as to what a good bet may be, with different punters having different but often creditable theories.  This applies to the casino as much as to the sports field. […]