Archive for January, 2008

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Fun Don’t Cost a Thing

Just because you’re trying to watch your spending and keep an eye on your cash flow doesn’t mean you have to cut out all sources of entertainment that costs you money. One of the main reasons budgets fail is because people attempt to be too strict with themselves and do not allow for an “entertainment” [...]
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Coupons – To Clip Or Not to Clip

Coupons are supposed to save you money. The idea is a company puts out special coupons offering a discounted price on their product in an effort to entice you to make the purchase. It used to be a weekly ritual after reading the Sunday paper to quickly grab a pair of scissors and start clipping [...]
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DON’T DIS THE DOLLAR STORE

There is a new dollar store opening in my community and I am beside myself. Currently all we have is a grocery store which unfortunately inflates their prices because there is no direct competition in the local area. Living on a budget and feeding a family of three, it is important that we consistently shop [...]
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How to Get All Store Sales, All The Time, All in One Place

For people who use their grocery store weekly circulars to find the lowest priced items, you might be happy to learn you can get all the local stores advertised prices in one place. Instead of running to the retail grocery market for the 10 sale items you need this week, then heading over to the [...]
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Traveling to New York City on a Budget

New York City is perhaps one of the most expensive cities in the world to be in, but it’s also one of the most unique cities to visit. If you’re not careful, you can rack up a rather large bill in just a few days. You can’t even drive around without paying $5-$10 tolls in [...]
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Holiday Shopping Done – Let the Budgeting Begin

The holiday season is over for most of us. But guaranteed a part of that season is going to stick with us for a long while – years even. How is that possible? Two words – credit cards. If you are one of many people who shopped for Christmas on credit, the statements you are [...]
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CHECKING OUT COUNSELORS OF CREDIT

Every morning, I turn on the radio and hear at least one commercial announcing a phone number for a debt solution counseling company. Many days it’s never the same company being advertised though each promises to get you out of debt in what sounds like an instant. How can you be sure? How can you [...]
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Why I Use ING Direct Even Though There are Better Interest Rates Elsewhere

If you open up Google and do a search for high-yield savings accounts, you’ll find dozens of different options. A lot of people look for the highest interest rates around and just go with whichever is currently offering the best rate, but this isn’t really a good way to search for an online savings account. [...]
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Blogging for Dollars

If you’ve decided you’re going to start a blog to try and make a few bucks, probably the first question you have is which of the hundreds of blog systems should you choose? TypePad, Blogger, and WordPress are by far the most popular and each have their advantages and disadvantages- but the clear winner is [...]
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How to Keep Your New Year’s Resolutions

At the beginning of each year many of us realize that we’re not exactly where we would like to be at in some part of our life, whether it’s our health, our relationships, our hobbies, our jobs or something else. We then resolve to improve some aspect of our life throughout the course of the [...]
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Use The Gift Card Now or You’ll Lose it to the State’s Piggy Bank

Many people give and receive gift cards for Christmas. Did you ever stop to think about what happens to the money if you don’t use your gift card before it expires? The surprising answer is, if you don’t use the gift card within a certain amount of time, it may actually be considered the state’s [...]
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New Tax Law Changes for Your 2008 Federal Income Taxes

Every year there’s a slew of new tax businesses that open in malls and vacant stores around the country. They’ll stay open until the beginning of May and then disappear for the rest of the year. As much as we like to make taxes seem much more complicated than they actually are, it’s pretty easy [...]
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Your Gambling Losses May Reduce Your Taxes

Here’s one of those tax deductions that most people don’t even know about!  Did you know that you can deduct gambling losses if you itemize your deductions when filing your taxes? That trip to Las Vegas or Atlantic City may not be as bad as you thought! While it is possible to deduct the gambling [...]
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What to Do When You Can’t Afford to Pay for College Anymore

There’s a statistic that any given freshmen class will lose 10% of its students each semester of college. By the 4 or 5 years you’re at college, chances are you’ll be going to school with very few of the same people that you started college with. People drop out for a number of reasons. They [...]
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The End of the Era: Payphones Going Away in the United States

From the early part of the 20th century all the way through the late 1990’s, payphones have been an integral part of the communications infrastructure in the United States. We would use them to call our loved ones when we were traveling or just away from home and the idea of carrying a phone with [...]
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2008 Federal Income Tax Rates

It’s the beginning of a new year and people are once again worrying about the yearly chore of making the IRS happy. None of us like writing checks to the IRS, until we come up with some better laws in this country, that’s the way life is. With the 5.8% of your compensation that goes [...]
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4 Reasons to Become a Generous Giver

The United States as a whole is one of the most generous in the world, not because of large corporate checks or government sponsored aid, but rather because individuals take some of their hard earned money and contribute it to a worthy cause, whether it be helping those in need, working to cure a disease [...]
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Students and Teachers: Get Deep Discounts on Popular Software Titles

The Record Industry Association of America has used strong handed tactics in making sure content their artists produce is only used in the cookie cutter manners they deem appropriate and profitable, but some other companies and organizations have chosen a new route. Instead of litigating their younger customers into oblivion, companies like Microsoft, Adobe, Apple, [...]
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How to Start a Small Business and Fail Miserably At It

There’s a statistic that 80% of all small businesses will fail within the first 5 years of operation. They can fail for a number of different reasons, such as bad market conditions, poor management, lack of capital and the like. If you want to start a successful small business, you have to be well aware [...]