Saving Your Money

Feeling Financial Stress? Make a Goal to Organize Yourself Today!

by amysmiling May 17, 2012

Personal finances can be the largest cause of stress in your life. Aside from issues regarding family and friends, your finances affect more areas of your life than you may realize. One of the best ways that you can take control of this stress and your finances is to become organized. Organizing your debts can [...]

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Maximizing Your Tax Return with Lesser Known Deductions

by amysmiling May 15, 2012

If you filed and received a return on your withholdings in the last tax year, it likely engendered a celebratory mood. About 45 million Americans routinely itemize deductions on their returns, and another 92 million use the standard deductions. The good feelings don’t last all year, but all these deductions allow people to keep a [...]

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The Dollars and Cents of Preparing for Christmas Now

by amysmiling May 5, 2012

There are plenty of Christmas in July celebrations for you to participate in. From parties to hot sales, the fact is that preparing for Christmas early is a smart choice financially. It will save you money and stress, allowing you to actually enjoy the colors and festivities of the holiday when it actually rolls around. [...]

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Interested in Saving Money by Dropping Collision Coverage? Here’s What You Should Know.

by amysmiling May 4, 2012

Collision insurance coverage covers the damage to your vehicle if you are at fault in an accident, and it is often the most expensive coverage on an automobile insurance policy. If you are wondering whether you can afford to drop collision car insurance to save money on your insurance policy, consider a few things before [...]

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Smart Ways to Pay for College Without Student Loans

by amysmiling May 3, 2012

Paying for college can be difficult, especially with the cost of tuition steadily rising. The quick fix is to take out student loans, but this can be costly when it’s time to repay them after graduation. Student loans cannot be discharged in bankruptcy, and the government can garnish wages and tax refunds to get their [...]

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End the Nightmare With Proactive Debt Resolution

by amysmiling April 24, 2012

Credit agencies view overwhelming debt as risky behavior and a lack of personal responsibility, but the truth is that overwhelming debt can happen to anyone. Perhaps the mortgage, car note, and credit cards were manageable with full-time income, but then along came an illness or traumatic injury. Suddenly, there is less income and medical bills [...]

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Factors to Consider in Career Choice: Pay and Demand

by amysmiling April 22, 2012

What should be considered in choosing a career path? Some will advise you to choose a discipline you enjoy, but there are many English majors working at jobs that do not utilize their skills. Others will advise the choice of an in-demand career, but this alone will not lead to enjoyment or satisfaction in the [...]

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How to Plan for College Debt While You’re Still in School

by amysmiling April 15, 2012

It’s a sad fact that the majority of college students today graduate with a heavy debt load. As college costs continue to rise, there is a heavier reliance on student loans to make it all of the way through. If you are attending college, or will be going there in the fall, and are using [...]

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You’re on Your Own Now—Don’t Get Into Debt!

by amysmiling March 25, 2012

We always complained to our parents when we were younger “don’t treat me like a child!” Now we are on our own, and the last thing you want to do is seek financial help from your parents. You value your independence, and that includes knowing how to stay out of debt and being financially secure. [...]

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Establish College Savings Accounts Today!

by amysmiling March 10, 2012

As you begin saving for your child’s college education, accept two simple and inescapable facts of life: First, you cannot begin saving too soon. If you imagine you may have children some time before the end of the twenty-first century, establish their college savings accounts today. Second, you never will save enough to pay the [...]

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