Archive for July, 2007

5 Strategies for “Sales Tax Holiday” Shopping

Monday, July 30th, 2007

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 ...

Save $10 Next Week

Friday, July 27th, 2007

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, ...

What you need to know to write a budget

Tuesday, July 24th, 2007

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 ...

Pros and Cons of Debt Consolidation

Thursday, July 19th, 2007

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 ...

Debt Consolidation: Considerations Before You Commit

Thursday, July 19th, 2007

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 ...

Is your wallet ready to go back to school?

Tuesday, July 17th, 2007

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 ...