Times are definitely tough, and you’ve been cutting back just like the rest of us. But your sanity doesn’t have to suffer; you need a vacation, especially now. You just need to find the cheapest way to travel. I say, a fun and relaxing time need not be expensive! Because of the sloping economy, you [...]
Both reverse mortgages and home equity lines of credit allow homeowners to tap into the equity of their homes in exchange for cash. However, these two loans work in very different ways, with different end results for the borrower. Home Equity Loans and Lines of Credit These types of loans allow homeowners to borrow money [...]
Job unemployment has become an unfortunately common reality for many people today. As of June 2009, the unemployment rate is sitting at 9.5%, with reports of 4.4 million people being unemployed for 27 weeks or more, according to the Bureau of Labor Statistics. If you are one of these people, you’re obviously not alone, but [...]
This is something I’ve often thought about myself. I’ve cut back on everything I can, and I pay the lowest possible amount for all of my bills. But what about groceries? You need to eat, so there’s only so much you can cut back on there. There are ways to save money on groceries. You [...]
No matter how much or how little money you have, it always seems like there’s never enough. The way to fix that is to develop a household budget. That process might sound like a nightmare, but a budget is the only way to truly take control of your money. Here are a few tricks to [...]
If you are like the millions of people shopping for auto insurance, you may be wondering what to consider and how to find a good rate. Relax. Finding quality coverage at an affordable rate is easier than it may seem. It begins with knowing what you need and comparing what you find out. Shopping Around [...]
Money really can buy happiness. Okay, so there’s no store where you can purchase happiness directly (it’s a little tough to find retailers that deal with intangibles these days), but what you purchase can have a direct and measurable effect on your happiness level. Spend Money on Others It’s been found that when people spend [...]
It’s inevitable that your home is going to need repairs, and whether you do a simple repair or take the opportunity to spruce things up a bit, you’re probably looking to do your home improvement at a discount. Here are a few tips to get you going: It’s obvious, but consider doing it yourself. You [...]
Rule number one of negotiating a higher salary: If you don’t ask, you will not receive. Of course, the opposite of that is not always true, especially in the current economy. Your employer has most likely been forced to make cutbacks, and you are feeling the direct effects of that. Your workload has probably increased [...]
Searching for a job can be time-consuming and difficult. Trying to search for a job without your boss knowing turns it into a tricky game. Whatever your reason for searching, most people experience the same problem–there’s just not enough time to conduct your search after work. And you’re probably thinking about it the entire time [...]
