The Skinny on Extended Warranties

From high-end refrigerators to low-end digital cameras, finding the product with the right features at the right price can wear you out. But once you solve that puzzle, another one pops up: Should you buy an extended warranty? Most experts don’t think so. Writer Erica Ogg reviews extended warranties for CNET, an online high-tech information exchange. She understands why some consumers prefer to... Continue reading

20 Small Ways to Save Big

You’ve heard of the savings crisis in America. You’ve probably even thought, "yeah, I should probably save more.’" But eking out an existence is tough on a starting salary, and sometimes comfort takes precedence over cutting corners. Besides, if you can only save $50 or $100 a month, is it really worth it? The answer: absolutely. By starting to save now, you’re giving your money—however little it... Continue reading

Top 10 Money Management Mistakes

Paying Yourself Last   You might be tempted to wait until the end of the month, after all your expenses are paid, before you put any money into savings. If you do, don't be surprised to discover there is nothing left to put in the bank. "Pay yourself first, either through payroll deduction into your company retirement plan, or by an automatic draft from your checking account into your savings... Continue reading

Save Money on Phone, Internet and TV

1. Bundle up Bundle your services and you'll save some green. For about $100 a month, you can get cable or satellite TV, local and long-distance telephone service, plus high-speed Internet service. This is often cheaper than it would cost for each service separately. In addition to paying just one bill, you have just one company to call if you have a technical or billing issue. 2. Rethink your... Continue reading

Top 10 Personal Finance Tips for the Long-Term

Top 10 Personal Finance Tips for the Long-Term While complete financial independence is a difficult goal to reach, most people want to at least avoid spending their lives struggling to make ends meet. Planning can help you meet your money goals, but only if you put the plan into action. Assess Your Net Worth It's always a good idea to know your bottom line. Gather all of your financial statements... Continue reading

Save Money on Utilities

Here are 15 quick, cheap and easy ways to cut your electricity, heat and water use, while also cutting your expenses by hundreds of dollars: 1. Take a flyer on fluorescents Compact fluorescent bulbs (CFLs) represent one of the brightest ideas for cooling your electric bill. (Not every CFL produces a warm, candlelight glow. To achieve that effect, look for one with a Kelvin temperature of 2,600 to... Continue reading

Saving Secrets: How to Save at Least $50 a Week

Saving Secrets: How to Save at Least $50 a Week While $50 might seem like a lot of money, making a few small changes can leave you with that much, or more, at the end of every week. "When you really think about it, saving $50 a week isn't that much money," points out Brandon Small, a Minneapolis-based Charted Financial Analyst and Certified Public Accountant. "If you do four cash transactions a... Continue reading

Save Money on Travel

Travel in the off-season Timing your travel can save you serious money—plus, you'll avoid the crowds. For example, if a destination sees its highest tourist traffic in summer—such as national parks, Europe and Canada—plan your visit for winter, spring or fall. Vice-versa in the summertime. Head for popular winter destinations, such as ski resorts and Caribbean cruises. Book a package Bundling... Continue reading

How To Save Smarter Without Working Harder

While it would be nice, we don't all have trust funds, a professional golf swing or the stage presence of Bruce Springsteen to bank our retirements on. It's not that the rich, talented and famous don't work, it's just that they don't have to work to retire. Most people must work to save, whether for retirement or another goal. Even if you don't want to work harder at your current job or take on... Continue reading

Finances 101: How to Buy Car Insurance for the First Time

Finances 101: How to Buy Car Insurance for the First Time You'll save money if you can get on your parents' insurance policy. Delving into the unknown is always a little scary, and when money is involved the stakes get even higher. But there's no reason to get sweaty palms and heart palpitations just because you're getting ready to buy your very first car insurance policy. As long as you stay... Continue reading