Savings

Making a habit out of saving

For a lot of people, the last year or so has caused them to rethink the idea of personal saving. According to the U.S. Bureau of Economic Analysis, the personal savings rate for 2005 was -0.4%. That was the first time the savings rate in the U.S. had been below 0% since 1933. When the [...]

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Saving money on lunch

Working in an office allows me to see a lot of different people and observe what they eat for lunch. More specifically, how much they spend on lunch. Fortunately for me, I am pretty easy to please when it comes to food. As long as it isn’t horrible I can eat it. That makes it [...]

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Saving money just by asking

Most people have a very difficult time asking for a discount. For some reason here in the US we feel like we have to pay full price for everything. In a lot of foreign countries asking for a discount, or haggling, is not only welcomed, it is often expected, and why not. If someone is [...]

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New Rules of Credit Card Debt

In the latest article from U.S. News and World Reports, financial expert Suze Orman unveils a ‘slight’ shift in some time-honored advice. Because of the increasing number of people losing their job, Orman suggests that people should stop paying extra on their debt until they have at least 8 months of expenses in an emergency [...]

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How much does cable TV really cost?

I have often recommended that people give up their cable TV in an effort to decrease their monthly expenses and help pay down their debt. The usual response is “No way!”. I can completely understand why they feel this way. Watching television has almost replaced baseball and the national pastime. Now with HD television, large [...]

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ING Direct Online Banking

ING Direct is just one of the many online banks that have popped up over the last several years. They are available to do business online, over the phone or via the mail. They have several financial products that allow you a great deal of flexibility and options that will likely meet all of your [...]

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