Ways to Save Money

What are the best tips for decorating on a budget? Share yours and win an Ikea gift card - the ultimate budget-decorating superstore!

Here’s why a Roth IRA conversion may make sense for you Consider this: a Roth IRA allows tax-free growth and tax-free income distributions at age 59½ or older and as long as you have held your Roth account for 5 years or longer. … So, if your adjusted gross income (AGI) is $100,000 or less, you have an option to fund a Roth IRA with a withdrawal from a traditional IRA – at least through the end of 2009.

If you haven’t heard about the Jitterbug Cell Phone, these are some of the great features I found out about from some reviews…

The House just passed the Cash for Clunkers stimulus bill. Here are some of the details that we can expect to see in it when the president signs it…

Medi-Share is a christian health insurance alternative that actually is a lot cheaper than traditional health insurance… here are the pros and cons…

It really is possible to pay off your cars - and it puts you at a huge financial advantage!! These are the steps we took to pay off our cars…

I was just reading an article in Money magazine based off a poll asking their readers how much they had in emergency savings. It didn’t seem to be a very “scientific” poll, but I was very surprised by the results.
According to their survey, 37% of the responses indicated they had more than 6 months of [...]

Finding ways to save money is becoming almost as trendy as the “green” movement. I guess time will tell if we see the Prius driving Hollywood stars trading in their mansions in order to “save money”. While the saving thing is trendy, I don’t think it is that trendy.
So, anyway, this week’s giveaway [...]

I know some of you out there regularly tell your spouse, “if I could do it all over again, I would never do _____, and I would definitely do ______.” Well, I need your help.
As you may or may not know, Linda and I are going to be first time home buyers this year and [...]

As I mentioned earlier this year, we are going to be buying our first house this year and will be taking advantage of the $8000 tax credit. In our most recent newsletter from our apartment complex, they provided us with some renting vs. owning propaganda. It is pretty funny hearing the rent vs. buy arguments [...]

If I told you that you could make a 158% annualized return by investing in a high-efficiency toilet, you might tell me to take a hike…

I was wondering how to pay bills and this was the solution I came up with…

Trying to figure out how to handle medical bills? Past due bills? … How to negotiate with medical providers…

I was trying to find a way to get free long distance calls and I found this to be the best solution…

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!

Saving money for college vs. retirement …I will say that I completely agree with Dave about this. His stance has always been to save first for retirement and if you have that covered then work on saving for the kids’ college. The simple point is that (worst case) you can take loans for college expenses at reasonable interest rates. While Visa and Mastercard are the only ones offering “Retirement Loans” at 25%. Thinking about it in those terms makes it pretty easy to decide.

It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…

These are 23 of the best freeware software programs for Windows that I found…

Everyone has things they waste money on, these are the top 10 money wasters from Kiplingers…

It is so critically important to reduce your credit card interest rates, if you don’t it will take a whole lot longer to get out of debt. Not to mention that it will cost you hundreds or thousands more in interest charges as well!