Obviously, potential mortgage lenders look at your income for the last two years and your credit score when determining if you are “home loan-worthy.” However, income can now be “stated,” and bad credit does not mean you will be unworthy in getting a loan. Bad Credit is just as attractive to many lenders as good […]

Posted in credit score, financial planners, financial plans, financial problems, investing, lending, loans, mortgages, personal finance, real estate No Comments »

While the constantly rising costs of fuel, medications, and other consumer goods surprises relatively no one, you may be surprised at how expensive bread has become literally overnight. There is also a significant increase in the cost of pastas, cereals, pancakes, and pastries and it is all due to wheat. Wheat is a key ingredient […]

Posted in budgeting, family, financial planners, food, saving money, shopping 1 Comment »

When couples decide to expand their families by having children, it is often their wish that one of the parents stay at home to raise the children.  With the ever-increasing cost of living, it’s becoming extremely challenging to raise a family on one income alone- but if you shift your focus from trying to earn […]

Posted in budgeting, cars, children, emergencies, entertainment, family, financial plans, frugality in motion, happiness, lifestyle, money, parenting, saving money 4 Comments »

Believe it or not, Ghosts do exist. Even worse, they can exist in a business. When I say “Ghosts,” I do not mean the ethereal spirits that walk through walls and wail in the night…the sounds of chains rattling and making goosebumps rise on your arms. No, when I say “Ghosts” may […]

Posted in business, careers, financial planners, financial plans, financial problems, fraud, frugality in motion, identity theft, jobs, money, rip-offs, scams 2 Comments »

Like many facets of technology, television broadcasts are going digital. A digital television signal takes up much less space that its analog counterpart and leaves room for other services including wireless internet, cell phones, and other services.As of February 17, 2009, the federal government will be requiring all broadcast television stations to switch from an […]

Posted in business, entertainment, free stuff, home improvement, lifestyle, money, saving money, services, technology No Comments »

In this final article of its five-part series, I go over little known options for financing education, as well as cheaper options no often considered when choosing colleges. By being fully cognizant of all of your options, you may find your college degree costing a fraction of the “usual” college fees, and all without […]

Posted in budgeting, children, college, education, financial planners, financial plans, free money, money, personal behavior, personal finance, personal finance basics 3 Comments »

As Microsoft cleverly labeled their new program, “I’m making a difference”, allows people to support one of their favorite causes simply by using their Windows Live Messenger (IM) program. 
 
Basically, Microsoft is donating a portion of ad-revenue with the social cause of your choice.  It doesn’t require you to pay anything; and you don’t even have to […]

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Texas Hold’em poker is one of the in things to do for young people right now. Thousands of college students play home games with their friends for relatively low amounts of money and even more gamble their savings away through online gambling, despite it’s illegality in the United States. Fortunately, there’s now a way to […]

Posted in gambling No Comments »

Did you know in other countries negotiating on price is a way of life? You don’t just go into the store, look at the price tag and decide if you want to buy it at that price. Instead you go down to the store, find an item you are interested, ask how much, and try […]

Posted in business, purchasing, saving money 2 Comments »

Managing one’s finances and staying in shape have a lot of parallels. Most of us know exactly what we need to do to be financially fit (live on less than you make and save money) and exactly what we need to do to get physically fit (eat less and exercise), but knowing what to do […]

Posted in health 2 Comments »