Pennies Are Not From Heaven

How do you keep the same total monthly payments and yet cut years off your mortgage? It’s actually easy to do if you switch from monthly to biweekly payments. The biweekly payments can be exactly half of the monthly payment but you will own your house a lot faster simply due to the benefits of […]

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Inflation is on the rise especially as fuel cost increases ripple through the supply chains. You should always look to reduce gas and food bills.
For gas bills keep the tires properly inflated, keep the engine tuned including clean filters, reduce driving when possible and remove all junk from the car as it costs extra fuel […]

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Haggling has gone mainstream and is no longer only done at yard sales and used car lots.
Typical retail polices on haggling or bargaining are not formal so if you have the nerve to ask you may just get a substantial discount.
Start with the store manager since they have more power to grant discounts and clerks […]

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With travel costs through the roof you may need to consider a staycation. With that family time off stay home instead of traveling but use your creativity to make it fun.
Tips -

Make a detailed but forgiving itinerary
Go see the local attractions you haven’t seen yet
Unplug the TV and change your routine
Make it fun with new […]

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The average fastfood meal cost five bucks and cup of coffee from a coffee shop cost two bucks. If you are buying lunch at work then do the math and you’ll likely see you can save at least $20 bucks a week simply by bringing you own food from home. It adds up and if […]

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The cost of all staples is rising so it’s time to consider substitutes for some of the more pricey items. If you are used to buying red meat and fish for your meals consider altering your diet to include eggs, beans and poultry as your primary sources of protein.
Consider that a $14 London Broil can […]

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With each generation more and more people move more often, change jobs and careers more often and have more relationships. Is it any wonder you may lose track of stuff over time including money.

Is it possible you have lost track of something valuable? There are free web sites out there that help people find their […]

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Most bills you pay include many components:

Cost of Goods/Parts/Materials
Labor
Tax
etc..

One component you can control is the hidden cost of convenience. The convenience costs takes many forms but if you look for it you can find it.
Examples: Food

Whole chickens versus boneless chicken breasts
Shredded cheese versus block cheese

Examples: Shopping

Local neighborhood upscale grocery store versus Wallmart supercenter across town

In […]

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A recent study by the PayItGreen Alliance detailed the financial and environmental benefits of receiving and paying bills online instead of via the traditional mail. According to the study, the typical American family will receive nineteen bills or statements and send seven payments per month.Eliminating all that paper by having those bills and statements only […]

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If you find your self eating in your car, storing left over doggy bags in your refrigerator, and on a first name basis with more than one wait person then you likely are spending way too much on food. On average, a meal at a restaurant will cost you three times as much as […]

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