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5 Strategies for “Sales Tax Holiday” Shopping If you are lucky, you live in a state (and a city) that offers a "sales tax holiday" for back to school shopping. Slowly but surely, more states legislatures across the country are passing laws that suspend, albeit temporarily, the collection of sales tax for a few days during back to school shopping season. No sales tax CAN lead to significant savings but even this "holiday" has limitations. Make sure you get all the information you need before loading ... Save $10 Next Week Here are 10 easy ways to save AT LEAST $1. Try them next week and see just how much "extra" money you find! 1. PAY CASH - Research shows that you WILL SPEND MORE when you pay for your purchases with plastic (debit or credit). Depending on which estimate you read, purchases made using plastic will be 30-47% GREATER than purchases made with cash. If you pay cash for just 2 or 3 purchases that you would normally pay for with plastic, you will ... What you need to know to write a budget It's one thing to admit that you need a budget but it's quite another to actually write one down! It can be intmidating to organize financial information in a usable format. If you are trying to create a budget with someone else, there are decisions that need to be made about philosphy and structure. The truth? Setting up a budget is hard work! Make it a little easier by finding out what you need to know before you start ... Pros and Cons of Debt Consolidation Debt consolidation has become a popular way to reduce interest rates and monthly payments for people that owe money to several different creditors each month. In spite of its popularity, debt consolidation is NOT the best solution for everyone. Before you agree to a debt consolidation process, analyze the pros and cons of this tool. DEBT CONSOLIDATION PROS: Money or credit for debt consolidation is relatively easy to obtain. Often, homeowners can use the equity built up in their ... Debt Consolidation: Considerations Before You Commit How many different "monthly payments" do you make each month? With credit cards, car loans, and mortgages, the average American household has 7 credit accounts. That translates to large amounts of monthly interest charges and minimum payments. Increasingly, Americans struggle with the number of accounts they have AND with making those monthly payments. People are looking for ways to lighten that monthly load. One way to "lighten" the load is debt consolidation. Debt consolidation is the process of grouping a ... Is your wallet ready to go back to school? The National Retail Federation estimates that American consumers will spend more than $18 billion for "back to school" shopping in 2007. More than likely, money from your wallet will be part of that number by the time September rolls around. Back to school expenses are the kinds of expenses that can break your budget if you are not paying attention. With a little creativity and planning, however, you don't have to go broke just to get your kids settled into a ...