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Articles posted in October 2007

What Losing Weight Can Teach Us About Managing Money
October 29, 2007 by Rachel
During the summer, my husband and I got serious about losing weight and paying off our debt.  We have specific plans for each area and we are working together to make each other accountable in both departments.  So far, we are making progress.  As I think about these areas, I see lots of parallels.  There are plenty of things that one area can teach us about the other.  Enjoy these few lessons that I have learned about money management......
6 Money Mistakes You DON’T Have to Make
October 25, 2007 by Rachel
Where money is concerned, there are lots of areas that affect your finances that you cannot control - the stock market, interest rates, real estate values, etc.  Likewise, it is easy to make mistakes with your money and trying to manage it successfully.  No matter what your income, financial circumstances and goals, YOU have complete and total control over how YOU spend and manage YOUR money.  Before spending it, read about these money mistakes that you don't have to ...
Cutting Costs By Clipping Coupons
October 22, 2007 by Rachel
Month after month, one of the most expensive spending categories in our budget is FOOD.  One of the ways we try to control our food costs is by using coupons.  Without questions, coupons can save money.  Even casual coupon usage can add up to significant savings over time.  If you use coupons, you are not alone.  According to the Promotion Marketing Association, "coupon clippers represent 86% of the overall U.S. population."  Additionally, "manufacturers offered over $300 billion in coupon savings ...
Did you hear? Charging is Changing
October 18, 2007 by Rachel
During the next few weeks, borrowers will start to see the effects of some significant changes in the credit industry.  For people that are caught up in the mortgage mess and the real estate slow down, these changes may not seem important.  For at least 60 million people, however, these changes will definitely have an impact on what they are carrying in their wallets.  1.   FICO '08 IS ALMOST HERE    The newest version of the Fair Isaac Corporation credit scoring formula ...
The Identity Theft Alphabet
October 15, 2007 by Rachel
   Identity theft is a serious problem.  Over 10 million Americans have already been victimized by this crime and there is the potential for millions more to fall victim to it.  The terms and concepts listed below will help you become aware of some of the main components of this growing problem.  A  Adware - These programs are one way that ID Thieves are able to install programs that assist them with obtaining personal information. Annual Credit Report - The Fair ...
America, We Are Eating Ourselves To Debt!
October 11, 2007 by Rachel
   The idea that a link exists between Americans shrinking wealth and bulging waistlines is not a new one.  While the details of such a link have been difficult to prove, increasing numbers of Americans are classified as overweight or obese and the  savings rate of Americans has hit negative numbers.  Linked or not, both of these issues are serious.  They can and should be addressed! WHAT DO THE NUMBERS SAY? In 2003-2004, 66% of American were classified as overweight or ...
Answer These Questions Before You Choose Your Health Insurance
October 8, 2007 by Rachel
   For millions of workers who receive health insurance through their employers, it's OPEN ENROLLMENT time.   That means that it is time to use their knowledge about their health and medical care needs today to make the best predictions they can about the health insurance plan that will best meet their health and medical care needs in 2008.  It is a very important task.  It is also a very confusing task.  Most workers will receive a large, heavy, unwieldy packet in ...
Helpful Hints for Happy Holiday Shopping
October 3, 2007 by Rachel
It's 82 days until Christmas.  Have you started your shopping yet?    If you have, you are not alone.  According to the 2006 Holiday Shopping Trends survey conducted by Pricegrabber.com, almost 60% of the people surveyed started their holiday shopping BEFORE Thanksgiving.  I admit that I don't like to wait until the last minute to buy holiday gifts, but I have trouble letting myself go straight from the 4th of July to pulling out my Nativity scene!  As for the stores, the ...
7 Super Secrets for Spending Money Deliberately
October 1, 2007 by Rachel
   If you are like me, the beginning of the month is a great time, financially speaking.  It seems that every month, I resolve anew to make my budget work by living within it!  I cannot say that I know where all the budget busters and money leaks are in my finances.  What I can say, however, is that being more deliberate about all aspects of my spending does help make my budget more successful.  Read on to learn more ...