Two Strategies for Saving Money on Baby Items

As you make a list of all of the things that you will need for your new baby, you may become overwhelmed. It might seem as though there is no way that you will be able to afford all of the things that you think you will need to take care of your baby. Fortunately, there are ways that you can bring down the cost of caring for your baby. One way to trim expenses is to think carefully about what items you absolutely must have for your new baby. If you really sit down and think about it, baby … Continue reading

The Budget-Conscious Cruiser

You can learn a lot from penny-pinching travelers who enjoy cruising the high seas.  These budget-conscious voyagers know what it takes to get the most bang for their buck.  When it comes to stretching your dollar on a fun-filled cruise, consider the following: Seek Out Sales:  Many large cruise companies, such as Carnival, Princess and Royal Caribbean offer special deals throughout the year.  Some of the most popular promotions include: reserve one full fare booking and get a certain percentage off the second passenger or reserve a 14-day cruise and get seven days free.  The deals can save you up … Continue reading

Seven Ways to Save $1,000 for Your Emergency Fund

Dave Ramsey, financial guru who has helped so many families get out of debt, recommends that most of us start on the path to financial solvency by first saving up $1,000 toward an emergency fund. By having a solid emergency fund, we are less likely to go into debt, should the unexpected happen, such as the home furnace needing to be replaced, the car needing to be repaired, or the experience of a medical crisis. Saving that $1,000 is the first step of Ramsey’s overall get-out-of-debt plan. How can you save that much when there doesn’t seem to be any … Continue reading

Your Back to School Savings Strategy

The average parent spends $600 to get just one child ready for school in the fall. You can greatly reduce this cost if you follow our step-by-step back to school savings strategy. 1. Make a list Most schools post their school supply lists online to make it easy for parents to shop ahead. If yours doesn’t contact other parents to get an idea of what your child will need to bring to school in terms of pencils, notebooks, crayons, etc. Do the same with clothing. How many shirts, dresses, pants, socks, shoes and other clothing items will your child need … Continue reading

Five Signs that You Are Living Beyond Your Means

You could be living beyond your means and not realize it. Why is this a problem? Well, when we live beyond our means, we can quickly run up debt. This debt can snowball until it becomes hard to manage, a real crisis. That is why it is so important to recognize the early warning signs and make the changes that are necessary to get your finances back on track. Sometimes it seems as though you are supporting your lifestyle and don’t have a problem paying for anything. After all, your credit cards aren’t being turned down at the store, and … Continue reading

Save Money on Shirts at CheapesTees

Everyone needs to buy new shirts, eventually. CheapesTees offers new shirts, from several big name brands, at very discounted prices. You can get shirts for your whole family, and save money while doing it. CheapesTees is a website that sells shirts, (and a few other items). Find short sleeve T-shirts, long sleeve T-shirts, polo shirts, T-shirts that have a pocket on the front, tank tops, dress shirts, sweatshirts, and more. They sell shirts for men, women, juniors, kids, infants and toddlers. You will find name brands like Fruit of the Loom, Jerzees, American Apparel, Gildan and Hanes, to name a … Continue reading

Mac Mall has Deals Every Day

Need a laptop for school? Interested in upgrading your current computer system? Want to save some money? Mac Mall can help! They have lots of deals going on, including a Deal of the Day. Some of their deals include things that are useful to both Mac and PC users. Mac Mall is an authorized reseller of Mac products. They sell Mac computers, iPods, software that can be used on a Mac, and accessories for iPods, iPhones, and iPads. They also sell external hard drives, scanners, and printers that can be used in conjunction with either a Mac or a PC. … Continue reading

Layaway

My husband and I are considering a move to Arizona. Among the excitement about the adventure of living in a new state, I am anxious to have a gas clothes dryer again. I am not even a little bit dreading shopping for new appliances. Sears is running a commercial offering layaway on major appliances and it makes me a little nostalgic. My family took advantage of layaway a lot while I was growing up. With layaway you could put a deposit down on your purchase and make payments at agreed upon intervals until the purchase was paid for. When the … Continue reading

Disney Vacation Discounts

If you’re thinking of taking a Disney vacation in the near future, then there’s an essential web site you shouldn’t miss when doing your planning: Disney Special Offers. Part of the official Disney Parks web site, Disney Special Offers has all the details on Disney’s latest vacation discounts for those looking to make a trip to one of the parks. Right now the primary featured deal is a free Disney World Dining Plan. If you’re heading out to Disney World anytime between August 15 and December 21 of this year, you’ll want to check it out. If you purchase a … Continue reading

Getting Your Finances Straight Before the Hospital Bills Arrive

When it comes to paying for prenatal care and labor and delivery, get your ducks in a row before you give birth. While eight months may not be enough time to get completely prepared financially, preparing for the large stack of bills before they arrive will give you the upper hand and reduce your stress. First of all, figure out what you can afford. Not many people have the kind of cash it takes to pay a hospital bill in full when it is due, so most of us end up making monthly payments. Figure out what the maximum monthly … Continue reading