I used to cringe ever time I received or was asked to send a text. That is because I opted out of my texting plan. I figured that I was spending enough on the phone and the data plan, so I didn’t want to add texting as well. The problem with not having a texting plan is that I was charged an obscene rate each time a text came in or went out. I still don’t have a need for a lot of texting. If you are the same or maybe the opposite (you use more texts than your plan … Continue reading →

Spending money on healthcare is one of those inevitable things that you just have to do. So any reasonable way that we can save on this expense will greatly affect our budgets in the positive. Here are some ways that you may be able to save money on healthcare. Get Insured with Good Coverage Okay, it may seem strange to tell you to spend in order to save, but good quality insurance will save you in the long run. I spent a period of time with no coverage, and believe me, it was a scary time. I was young and … Continue reading →

ATM fees are getting really ridiculous these days. Some machines are charging up to $3.75 for the service of giving you your own money. Do this once a week, and you’ve spent around $200 in fees with nothing to show for it. I’m really not sure how these machines get away with it, but they must, since people continue to use them and the fees get higher and higher. Still, you can avoid ATM fees with a couple of frugal strategies. Find No-Fee Machines Sounds simple, but it isn’t always easy. With a little research, you can find conveniently placed … Continue reading →

Chances are that you have several financial drains in your home that are causing you to spend your hard earned money without getting anything real in return. Some of these drains are easy to cut off while others may require a little more work. All are worth solving. Take a look at the list of items below and see if you can plug the plug on the following money drains. Old Refrigerator Do you have an old refrigerator or freezer sitting in your basement or garage? It could be an energy hog that is draining you of money every month. … Continue reading →

If you’ve found yourself in the middle of an emergency without an emergency fund or if that credit card bill has crept up unexpectedly, you might find a real need for money to pay things off. It is important to pay off your debt as quickly as you can because whether it is through late payment fees or through credit card interest, taking longer to pay off a debt can wind up costing you quite a bit of money. Sometimes you need a big quick solution to get a bunch of money to take care of that debt. Here are … Continue reading →

You got to love my husband. He just recently set up a couple of extra savings plan accounts for the new year. Into these accounts, money that is left over at the end of the month accumulates. It not only gives us savings, but serves as a real challenge. How much money can we put into it each month, and can we beat the previous month’s “record?” The New Year is a great time to start a savings plan if you don’t already have one or to revamp your existing savings plan. Your goals for this coming year may be … Continue reading →

Whether you want to make $40 one time or do it every day, here are three easy ways to make $40 with no strings attached. For me and some of my friends, $40 can really come in handy. It can pay for a dinner out, a birthday or Christmas present, purchase some groceries, or go towards a monthly bill. That money can certainly come in handy. Here are three different ideas that you can use to make $40. Scrap Metal A friend of mine turns in scrap metal whenever she needs a little extra cash. Most of the time one … Continue reading →

I don’t want to sound like a television or Internet ad. I really don’t. But the fact is that most of us are paying too much for car insurance. Here are some ways that you can reduce that expense. Reduce the number of cars The quickest and most dramatic way to reduce your car insurance expenses is to reduce the number of cars that you drive. While this may seem obvious, consider it a way to start really examining whether or not you really need all of the cars that you currently have. Whether it is one car or five, … Continue reading →