We hear all the time about how people cannot save any money anymore. The U.S. savings rate has traditionally been abysmal, though it surged to historic levels during the pandemic. In normal times, though, whether it’s by habit, convenience or lack of priorities, many people have a mindset that … [Read more...] about 12 ways to save more money, starting now
7 purchases that will pay for your Costco membership
If you know you're going to need one or more of the following big ticket items in the next year or so it may make sense to budget and plan to make all the purchases in one year to make the most of a Costco membership fee, which starts at $60. If you're planning any of the following seven … [Read more...] about 7 purchases that will pay for your Costco membership
21 ways to deal with your post-holiday financial hangover
Now that the holidays are over, many people are starting the New Year saddled with an overwhelming financial hangover of bills and debt. How do you deal with it? While it might be easier to just make the minimum payments, that’s not a good long-term plan. If you don’t make a plan to reduce your … [Read more...] about 21 ways to deal with your post-holiday financial hangover
Think you’re saving on high-end stuff at outlet stores? Think again
With the holiday season fast approaching, now is as good a time as any to review what we're really getting at outlet stores. This isn’t meant to discourage people from shopping at outlets; it’s just to advise and to make us better shoppers.Overall, you can save money at an outlet store. The same … [Read more...] about Think you’re saving on high-end stuff at outlet stores? Think again
38 ways to save money while dining out
We all have days when we don't feel like cooking, but dining out can be so expensive and you should never spend money you don't have in hand. Saving money takes some planning on the front end. Here are 38 ways to help you dine out for less.Read the menu online before you commit to dining … [Read more...] about 38 ways to save money while dining out
Downsize your clutter and build wealth
Are you ready to downsize your home and save money? If so, you'll need to decide which of your current belongings you're going to keep and which need to go. Even if you're not planning on moving, decluttering can save you money by freeing up space and keeping you from buying more storage … [Read more...] about Downsize your clutter and build wealth
Should you spend money to save time?
Time and money are both limited resources. How do you decide when to spend money to save time versus when to save money by doing something yourself that takes time?The decision of whether to spend money to save time comes down to time management and the state of your finances. Look … [Read more...] about Should you spend money to save time?
14 frugal ways to save money on laundry
Many things about doing laundry have changed over the years, from high-efficiency washers to highly concentrated laundry detergent. What remains the same is that you can waste plenty of money washing your clothes if you’re not paying attention. If you want to save money on laundry, you need to make … [Read more...] about 14 frugal ways to save money on laundry
How to select family tree software
I wrote previously about getting started on your family tree. Now I've researched family tree software. When I worked on my tree eons ago, about the only game in town was Family Tree Maker. Now the options are really overwhelming.There are Web-based programs, which are compatible with all … [Read more...] about How to select family tree software
Prepare a home inventory before disaster strikes
It's not a pleasant topic, but what would happen if your home were damaged, burned down, or otherwise destroyed, or if your property was lost or stolen? Would you be able to recall everything you had in your home? Trying to remember when you bought your television in the midst of a disaster is … [Read more...] about Prepare a home inventory before disaster strikes
How to get started on your family tree
Many years ago I started working my family tree. It was fun and interesting, but like so many other things life got in the way and it fell by the wayside. I would advise anyone thinking about working on their family tree that there is no time like the present. Millennials, get started now! I … [Read more...] about How to get started on your family tree
Health Savings Accounts: the triple tax advantage
Health Savings Accounts (HSA) are great way to save for future medical expenses and to reduce your current taxes.As we all face increased out-of-pocket medical expenses, one method to prepare is to open an HSA, which is like an IRA but offers a triple tax advantage. Your contribution is … [Read more...] about Health Savings Accounts: the triple tax advantage
Are Basic Economy airfares worth the savings?
All three of the legacy airlines (American, Delta and United) are now selling Basic Economy fares. As a fairly frequent traveler I decided I needed to understand these fares. Here's what I've learned.We all strive to save money but sometimes the savings aren't worth it. Buying a Basic … [Read more...] about Are Basic Economy airfares worth the savings?
How to save money at CVS
CVS has some great deals, especially when you find a sale. Here are the techniques you can use to save even more money. Get an Extra Care Card Sign up online. This gives you access to special coupons and Extra Care Bucks (ECB). Extra Care Bucks are CVS gift certificates worth $1-10 that print on … [Read more...] about How to save money at CVS
How much will I get from Social Security?
I recently saw an interview with the Acting Director of the Social Security Administration (SSA) discussing retirement preparedness in the US. The statistics she gave were startling:For 61 percent of elderly beneficiaries, Social Security provides the majority (more than 50 percent) of their … [Read more...] about How much will I get from Social Security?