I’ve talked about this quite a bit before. - the fact that saving money is a two step process and that paying less for something doesn’t necessarily mean that you have saved money.
After you have found a way to cut an expense, you actually have to place the difference between what you were […]

For those that regularly read personal financial blogs, magazines or other sources, the vast majority of the information in this video series will be fairly basic. One of the things about saving money is that most people already know how to do most of it, they just don’t take the time to break old habits […]

Dryers are quite convenient, but they are also an expensive convenience. In fact, most electric clothes dryers use roughly 5 kw of energy which is more than most central air conditioners. If you dry an average of a load of laundry a day, you are paying about $150 a year to dry your clothes.
The […]

If you are reading this, then you have likely have a computer and this will apply to you. If your computer is at home, it uses more energy than all of the other office equipment you have nearby combined. The problem is that turning off your computer every time you leave for a few minutes […]

Anyone that has student loans should consider consolidating them as soon as possible. As part of the Deficit Reduction Act passed in February by Congress, student loans will go from being variable rate to fixed beginning July 1, 2006. That means that the interest rates for Direct Loans and Stafford Loans (one of the more […]

Sometimes it takes no more than a turn of a knob to save you money. The cost of heating water is the third largest energy expense in the average home (after heating and cooling) and it typically accounts for about 14% of your overall utility bill.
A simple way to save money with your water […]

The most effective way to reduce your food costs is to eat your meals at home rather than eating out at a restaurant. That being said, there are times when you’ll want to eat out for a variety of reasons. Even when you decide to eat out, there are three simple steps you can take […]

One of the greatest entertainment values around is reading books. There is absolutely nothing wrong with purchasing a book that you’ll read time and again. The problem is that you don’t know how much you’ll use a book until after you have read it for the first time. There’s an easy solution to this dilemma. […]

While it’s still Spring, summer is right around the corner and a good time to start preparing your house for those hot summer days so that you don’t spend more than you need to. The main area to concentrate on is taking actions that help reduce the cost of cooling your house since this can […]

If you have been following the challenges, then you remember back when we first started you were given the challenge to request your Equifax free credit report and not the other two. I recommended to stagger the three reports in order to receive one report every 4 months. Since each company gathers their information from […]