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How to Save Money on Your Commute to Work

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As I just covered in The Question of the Week, gas prices are high and the forecast calls for nothing but rising rates. For the average family who is trying to make ends meet, and doesn’t have a compensatory raise in income to make up for the raise in outgo, this situation can be extremely tough. So if you, or your spouse, has been commuting to work five days a week, has any moves been made by you to save money on the gas bill? Some ideas that I’ve seen bandied about include: ~Work four 10 hour days instead of … Continue reading →

A Question A Week: Are High Gas Prices Affecting Your Work Life?

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I just finished reading an article on CNN saying that there’s a bigger drive (pun intended :-P) now more than ever from employees to be able to work from home, or at least telecommute part of the week. I’ll confess right now: I work from home, so I don’t use much gas, and my husband works at an office only a mile or so from our home, so he doesn’t use much gas in his “commute” either (I say “commute” because really, a mile shouldn’t qualify as a commute.) So on this subject, I am going to rely entirely upon … Continue reading →

Five Ways to Find Extra Money in Your Budget

If you have sat down and planned out your budget or your debt reduction plan you may need to find more money in your budget. You have a few options: you could get a second job; you could sell some items; or you could decrease your spending. Depending on how much extra money you need, you may do just one of these or a combination of all three. Here are five ideas to help cut the amount you are spending. 1) Although gas prices are beginning to drop, cutting down on the amount of gasoline you use will help you … Continue reading →

Four Strategies that Will Reduce Car Costs

When you budget your auto-related and transportation costs, are you including everything? There is the cost of the car itself, the monthly loan or lease payment, plus insurance, maintenance costs, and gas of course. Here are four strategies that you can use, covering each of those areas, to lower these costs, from beginning to end. Saving on Car Payments If you are considering the purchase or lease of a new car, review your options carefully. This is where you can save the bulk of your money. Really think about saving up to purchase a car with cash, if you can. … Continue reading →

Stress-Free Savings

There isn’t a soul out there who doesn’t relish saving cash. However, many people don’t take advantage of money-saving opportunities because they feel it takes up too much time or energy. For example, my dad refuses to cut coupons as he feels it is a waste of his precious time. What he doesn’t realize is that he could potentially save hundreds of dollars per month by simply sitting in his recliner and working a pair of scissors for a few minutes each week. If coupon cutting or rebate programs are not your cup of tea, then consider modifying your lifestyle … Continue reading →

Drivers of Minivans Pay Less for Auto Insurance

When you first learned to drive, you may have envisioned your future self driving an expensive sports car. Instead, many families find that a minivan suits their needs much better than any sports car could. Don’t be disappointed! Drivers of minivans pay less money for auto insurance. Every year, Insure.com releases a ranking of vehicles. The vehicles are ranked based on how much it would cost for a driver of this type of car to insure it. Consumers can use the list to get a good idea about how much car insurance will cost for drivers of different kinds of … Continue reading →

Are You Spending Too Much Time In The Kitchen?

Working from home has many benefits, and a smaller grocery bill is one of them. Whether you are accustomed to stopping for coffee or a latte on the way to work, picking up lunch from a sandwich shop near the office, or both, you will spend less on food by eating three meals a day at home on most days. Eating meals that you prepare at home is not only economical; it can be healthier if you stock your fridge and pantry with foods that are good for you. All of this sounds great, and it is, but my inner … Continue reading →

The Benefits of a Job

Why work? Why yes, I know that you need the money. But work has a lot of other benefits that you may not have considered. If you’re thinking of taking on a part time position after being out of the workforce or you’re considering freelancing, here are a few reasons why that job may be even more valuable than you think. It’s about your health. Depending on where you work, you may or may not receive health benefits at your job. Depending on your home and health situation and your partner’s insurance, a job that is pays poorly but has … Continue reading →

Why Making The Switch To A Home-Based Business May Be Easier Than You Think

If you currently have a job and are considering leaving it to start a home-based business, you may be wondering how you will ever be able to afford to make the switch. After all, you are accustomed to your current level of income and have been for quite a while. While it is true that many home-based businesses take a while to get off the ground before they start making good money, you may not suffer as much as you think during the transition. There are a few things that you may not have thought of that will help you … Continue reading →

Excuses For Not Using Coupons

You’ve heard the excuses to keep spending more money than you need to. You know which excuses I’m talking about. The “I don’t have time to clip coupons” excuse. (It might interfere with watching tv). Then there’s the “coupons are no good anyway, the food is all processed and unhealthy” excuse. Apparently those folks have never heard of Mambo Sprouts, or the great deals you can get in store on meat, produce and dairy when you shop carefully. There’s the “you can’t really save money because those products are always more expensive” excuse. The “I only see coupons for things … Continue reading →