Archive for March, 2008

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Carnival of Personal Finance #146 Published

This week’s carnival had some really great submissions from around the finance blog-o-sphere.  StockTradingToGo.com was this week’s host, and offered some Online Broker Tips Suggestions.  Of course, my favorite is the one that came right from this blog!  Tisha Kulak’s  Take the Necessary Steps to Save on Auto Insurance.
 Other posts I enjoyed this week include:

Debt Freedom [...]

March 31st, 2008 | Debbie Dragon | Comments | Continued
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How to Save Money Without Realizing You’re Saving It

More than 40% of people in their twenties don’t have any type of savings account.  Other people say they would save, but they just can’t find any money in the budget to set aside.  Here are a few ways everyone can save some money without even realizing you’re saving it (and you aren’t likely to [...]

March 30th, 2008 | Debbie Dragon | Comments | Continued
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Website Review: FantasyStockMarket.com

You’ve heard of Fantasy Football leagues, where participants create their own football teams by selecting players from the real-world NFL roster.  People join leagues and compete against one another; earning points based on how their selected players perform in the real games.
Now, you can join a Fantasy Stock Market, and practice buying and trading stocks [...]

March 30th, 2008 | Debbie Dragon | Comments | Continued
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Job Seeker Site Works Like a Matchmaking Service

For as long as most people can remember, looking for new jobs online involved keyword technology.  You’d go to a job listing database site, type in a few keywords that you think described the work you were looking to do; and hopefully you’d receive a list of matching job opportunities.
Employers would also use these databases to find [...]

March 28th, 2008 | Debbie Dragon | Comments | Continued
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Economical Party Preparations Made Easy

If you are contemplating a party to celebrate a special occasion, the goal is obviously to have fun. For many, another goal is to not go overboard and spend too much money. Party hosts should be more concerned about the gathering of people and the memories created and not stress over the details of the [...]

March 28th, 2008 | tisha | Comments | Continued
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Take the Necessary Steps to Save on Auto Insurance

One reason consumers fail to save money on their auto insurance is because they fail to review their policy every year. Only a very small percentage of consumers actually take the time and reap the benefits of this annual review. Look over your policy first to make sure it is still accurate and make sure [...]

March 28th, 2008 | tisha | Comments | Continued
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Don’t Pay More for What You Owe

If you have credit cards with balances, you’re paying more for the items you’ve purchased than they are actually worth. Even credit cards with “reasonable” interest rates will cost you a fortune over time, if you’re only paying your minimum amount month after month, and carrying your balance forward.
If it’s not possible for you to [...]

March 27th, 2008 | Debbie Dragon | Comments | Continued
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Practical Buying Tips for A New Baby

Having a baby will certainly change every aspect of your lives, especially if it is your first child. First-time parents often have a ton of worries, particularly those about the health of their baby and their own family finances. Couples are often heard saying that they are waiting to have a baby when the time [...]

March 27th, 2008 | tisha | Comments | Continued
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Can Bad Credit Cost You a Job?

As companies become more diligent in recruitment and hiring practices, there is a strong possibility that the job you are applying for will require a credit check. Why has this become a common practice? Well, it may not be common for all positions but the potential is strong if you are applying for a position [...]

March 26th, 2008 | tisha | Comments | Continued
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Carnival of Personal Finance Has Been Published

And this week, my article about how to read your credit report was featured by Million Dollar Journey, how exciting!
Posts I enjoyed included:

Debt is 90% mental, by a Broke Grad Student
Two for Tuesdays, on the Money Hacks blog, tells us how to save money.
Love & Money, by Dreaming of Ferraris
Your Problem isn’t Starbucks, according to [...]

March 24th, 2008 | Debbie Dragon | Comments | Continued
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IT’S TRUE! SIZE REALLY DOES MATTER

Going through my 20’s and 30’s, as I began fending for myself, I thought perhaps the difference I was noticing in products from yesteryear was in my own mind.  I could remember biting into a coconut cream snack pie as a kid and having the filling just ooze out from all sizes. Mom used to [...]

March 24th, 2008 | tisha | Comments | Continued
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How to Read Your Credit Report

Just about everyone knows that they are entitled to a free credit report from each of the major credit reporting agencies, once in every twelve month period.  You can obtain all three copies by going to one website, www.annualcreditreport.com.  You can also obtain a credit report whenever you’ve been turned down for credit – in [...]

March 21st, 2008 | Debbie Dragon | Comments | Continued
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Is Gold a Worthwhile Investment?

If you happen to turn on CNBC, listen to a radio show about investing, or read any financial newsletter or magazine, it’s not going to be long before you see and advertisement about some company which will show you how you can invest in gold and other precious metals to make a lot of [...]

March 20th, 2008 | admin | Comments | Continued
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Debt Advice: Why Balance Transfers Won’t Help

It is easier than ever to get credit these days and that is not a good thing. The credit card companies, like Visa,  used to promote their products to people who were able to pay off their bill each month without concern. However, companies now reap more rewards from those customers who can not make [...]

March 20th, 2008 | tisha | Comments | Continued
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Carnival of Personal Finance is Available

Our very own Tisha Kulak’s article was featured in the Carnival of Personal Finance (#144) this week- very exciting!  People are interested in learning how to plant gardens without spending a fortune.
Other favorite posts this week for me included:

Debt Freedom Fighter’s great ideas for spending your tax refund.
Digerati Life gives us tips for changing jobs based [...]

March 19th, 2008 | Debbie Dragon | Comments | Continued
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IS YOUR CURRENT SALARY ENOUGH? CONSIDER A NEW JOB

As family budgets are getting tighter and living paycheck to paycheck becomes more difficult in an uncertain economy, it may be time to reconsider your career path. If your current salary is not enough to meet your needs and you are not totally satisfied with your job, starting taking the steps to finding a new [...]

March 19th, 2008 | tisha | Comments | Continued
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WEBSITE REVIEW: SMARTYPIG.COM

Okay – so I think this is the coolest money idea I’ve seen in a long time! Smartypig.com has created a convenient and easy way to save money for anything you want. It is kind of like a Christmas club but instead of getting a check a few weeks before the holidays, the money you [...]

March 17th, 2008 | tisha | Comments | Continued
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Can Paying Someone to Clean Your Home Be Cheaper Than Doing It Yourself?

How much is your time worth?  For example, when you are working and doing activities that directly earn money, how much is that time worth?  This may apply more to self employed individuals, but if you think of time and it’s value to be more than money- a stay at home mom can find that [...]

March 15th, 2008 | Debbie Dragon | Comments | Continued
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How I Got Out of Credit Card Debt

I put myself through four years of college, on a combination of student loans, personal loans, income from my full time job and… credit cards.  When my loans didn’t quite add up to cover the tuition and books, my credit cards had to pick up the slack.  My job was basically paying for my living [...]

March 13th, 2008 | Debbie Dragon | Comments | Continued
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Chocolate Bunnies Make More Sense and Save You More Money

Peter Cottontail is soon to be hopping down the bunny trail and if you are not up for a long term, committed relationship, you need to let him keep hopping. Many people make the mistake of buying a cute little chick or a real fuzzy bunny for their kid’s Easter baskets. While the intention may [...]

March 13th, 2008 | tisha | Comments | Continued
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HOW TO BUY BIG-PRICED ITEMS ON A STRICT BUDGET

It is not completely impossible to splurge a little on yourself, even if you are on a strict budget. You can incorporate a one-at-a-time spending spree no matter how tight your budget is. If you have your eye or heart set on a big-priced item that you just have to have but it is not [...]

March 12th, 2008 | tisha | Comments | Continued
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Six Ways to Become Money-Wise

Most people are feeling the crunch of the economy.  Income that used to be just enough to get by suddenly doesn’t seem to stretch as far.  There are things you can do to become a little more money-wise, and help you live comfortably on less money.  Whether you believe it at first glance or not, [...]

March 12th, 2008 | Debbie Dragon | Comments | Continued
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Explore A Farmer’s Market – More than Just Fresh Produce

If you have never explored a farmer’s market, you certainly can be missing out on great things. Farmer’s markets are held all around the country. These markets are often the sole location artists and farmers go to sell their products and are a vital source of their own income. Supporting these trades in your local [...]

March 10th, 2008 | tisha | Comments | Continued
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Carnival of Personal Finance is Available

Here are some of my top picks from this week’s Carnival of Personal Finance:

Get your spouse involved with the finances as explained by Value For Your Life.
Cash Money Life is  giving away free stuff (including money).
Living Off Dividends’ passive income has passed $2000 per month.
Money Blue Book answers questions about the tax rebate check.

You can [...]

March 10th, 2008 | Debbie Dragon | Comments | Continued
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Payment Protection Insurance (PPI): A False Sense of Security?

Do you know what Payment Protection Insurance (PPI) is?  Most often, it’s an insurance program sold with a mortgage that is meant to cover your payments in the event you fall ill or are unable to work.  It’s considered a voluntary debt cancelation program, however, some loan providers make it a requirement for borrowers to [...]

March 9th, 2008 | Debbie Dragon | Comments | Continued
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Understanding Homeowners Insurance Policy Coverage

Homeowners insurance can seem complicated at first, but armed with a little information, you can understand and appreciate its’ value.  As with any insurance, you purchase it with the hopes that you’ll never need to cash in on it!
Most mortgage lenders require homeowners insurance; and many landlords are requiring their tenants to have some form [...]

March 9th, 2008 | Debbie Dragon | Comments | Continued
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An Inexpensive Alternative to a New Mattress is Money Well-Spent

Got an achin’ back? Hips and knees giving you trouble? It may be your old mattress causing you some of your sore and aching problems. Mattresses are meant to last for many year; however, with the cost of a good, quality mattress, it may take you several years to save up to buy one.
There have [...]

March 8th, 2008 | tisha | Comments | Continued