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▲︎ Budget & Finance

Budget & Finance

This page contains tips and advice about saving money and setting up a budget.

An upclose photo of a laptop keyboard. Advice 
A woman pushing a cart of presents. Shopping 
Teaching Children to Save Money, Child Saving Money Saving Money 
How to Create a Budget, Woman Calculating Her Budget Budget 
Finding a First Job, Newspaper with Jobs as the heading Employment 
Piggy Bank Surrounded by Money Making Money 
Raising Your Credit Score, A pile of credit cards. Credit Cards 
Saving Money on Utilities, Energy Savings Piggy Bank Utilities 
Paying Bills on Time, Bills and Calculator Paying Bills 
Checking account application with a pen. Banking 
A photo of tax forms. Tax Tips 
Financial Planning Taxes 
Saving Money on Health Insurance, Health Insurance Paperwork Health Insurance 
Getting Out of Debt, Picture of a woman cutting a credit card. Debt Reduction 
A beautiful house for sale. Home Buying 
A child being seen by a doctor. Healthcare 
Preventing Identity Theft, Thief in mask on Computer Identity Theft 
Credit Score Credit Rating 
Selecting a Broker or Financial Planner, Happy Couple Talking With Financial Consultant Investing 
Picture of a student loan application Home Loans 
Pink piggy bank wearing graduation cap with money in the slot. Student Loans 
An street with an  Renting 
Elderly Housing - Retirement and Independent Living Communities Retirement 
Finding a Good Retirement Community, Houses in a retirement community. Home Selling 
Saving Money on Auto Insurance, A car accident. Auto Insurance 
Red sports car with a for sale sign in the window. Auto Buying 
Selecting a Broker or Financial Planner, Happy Couple Talking With Financial Consultant Bankruptcy 
A new home. Home Insurance 
Elderly Housing - Retirement and Independent Living Communities Tips for Seniors 
Saving Money on Health Insurance, Health Insurance Paperwork Life Insurance 
Saving Money on Web Hosting, Closeup of URL and Cursor Links 
Saving money in a jar. A Penny Saved... 
A person doing financial calculations using a pencil and calculator. Financing 
How to Save Money Auto Loans 

Finding a Good Realtor

Which is the best real estate service for buying a home?

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Grants for Costs Not Paid By Medicare
Read 2 Questions
Negotiating With Creditors
Read 1 Question
Grants for Low Income Seniors
Read 1 Question
Pay Cash for Everything

I realized how often I was swiping my debit card. It's just too easy to swipe that card and not think twice! I have started to take out a pre-set amount of money at the beginning of the month and pay cash for everything. It is WAY harder to part with 5 green dollar bills in your hand for a gourmet latte then it is to swipe your card.

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Paying with Cash instead of a Card
Read 2 Solutions
Dreams Come True with a Credit Card
Read 3 Feedback
Establishing Credit
Read 3 Questions
Establishing Credit

How do I get credit to make purchases?

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Finding Tower Climber Jobs

I'm a 20 year old that's looking for a challenging career climbing towers. I've tried Indeed and Monster. What other sources are there for me?

Read 1 Answer
Negotiating With Creditors

My husband died recently leaving me with $22,700 worth of credit card debt. How can I negotiate with the creditors to bring down the balances so I can pay off the credit accounts?

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Saving Money on Onions
Read 1 Solution
Car Loan vs. Paying Cash
Read 1 Question
Choosing the Best Online Savings Institution

This is a guide about best online savings institution. When finding the best place to put your savings, it can help to have no minimum, no fees, and a good interest rate.

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Paying Bills on Time

What is the best way to keep up with your bills due dates? All of my bills come on different dates. When I call to inquire about a bill, I like to make note of the conversation and who I spoke to. I was keeping this information on a spreadsheet on my computer.

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Advice on Canceling Cable and Phone Service
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Pay Off Property Taxes Early

I am unemployed and work part time jobs off and on during year. So I have starting paying off taxes during the year. Working at the tax office, I found out you can pay your taxes early.

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Paying Taxes
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Changing Bill Due Dates
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Investing in Antiques
Read 2 Solutions
Saving Money on Business Cards
Read 3 Solutions
Medi Cal Supplemental Patient Assistance Programs

I too am scheduled for cataract surgery and am looking for assistance to cover costs MediCal doesn't cover. There must be a solution for someone who is low income, disabled, and on SSI. Any direction would be greatly appreciated.

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Frugal House Buying

I purchased a small house in a blue collar neighborhood. The owners had decided to retire about 3 hours away and kept lowering the price until I was able to pay cash.

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Saving Money on Dinner
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Finding Rental Assistance Programs in New Jersey

Does anyone know where I can get rental assistance in northern New Jersey? I live in Kearny, New Jersey. I have tried many places, but no one seems to want to help.

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Working Part-Time
Read 1 Solution
Saving Money on Professional Photographs
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The Value of Working Part Time

Why do people want to devalue a part time employee? Part time jobs are of value to both the employer and the employee. I work several part time jobs, mostly at home.

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Becoming a Longshoreman

I would like to be a longshoreman. I would like to become a Casual. Hopefully, make union one day. I'm just not sure if I'm ready yet. I am from the upper middle class suburbs from Connecticut.

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Dental Care Without Insurance

I am 45 and I have periodontal disease. I have lost one inplant that I had on the top and now my front teeth are loose. I have a job, but don't make enough for dental insurance. If there is any program or anything that you could tell me about, please I need the help.

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Using Your Job to Save Money
Read 1 Solution
Check Statements for Benefits and Discounts

Most of us have a bad habit of not reading the inserts that are in the envelopes with bank statements and bills. This past month, I did read them, and managed to save several dollars.

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Know What Information Is In Your Background Check
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Work for Discounts

My husband recently retired from his job of almost 30 years. He discovered that he could work as little as 10 hours a week at a very popular large national chain hardware store and get the employee discount.

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Jobs You Can Do While Pregnant
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Sharing Mortgage Expenses With Boyfriend

My boyfriend and I are moving in together. We have a 1 year old son and I have a 5 year old daughter. He bought a home last year and I bought one this year. The decision to move in together was made after our homes were purchased.

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Renting an Apartment in California
Read 1 Question
Saving Money on Lampshades
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Challenge Yourself to Save
Read 1 Feedback
Review Rental Locations with Google Maps

After finding a possible place to live, type in the exact address in Google and it will show you the actual residence. Sometimes, it will be very close to the address but in either case you can see it and also rotate the wheel thing and you can get a view of the neighborhood.

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Dental Services for Low Income Seniors

I am a disabled senior citizen and am low income. I am in bad need of a dental/denture program for low income senior citizens.

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Saving Money on a Lift Chair
Read 1 Solution
Statute of Limitations on Outstanding Debts

Can anyone tell me if this is still true? If you owed someone money and they never collect on the debt for the 1st seven years then the debt is null and void (like you had filed bankruptcy against it,) and they can no longer collect money from you?

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Rural Work at Home Ideas
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Secondary Insurance and Medicare Part D Prescription Billing

We have fepblue BCBS and Medicare part D for my wife. BCBS denied her special medication, and then authorized it for 3 months. She believed BCBS would soon deny the medicine so she signed up for Medicare part D as backup insurance.

Read 1 Answer
Paying Medical Bills When on Medicare
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Sharing Expenses With a Boyfriend

My boyfriend moved in with me 6 months ago. I am a student and he is the owner of an organization. We share all the expenses. When we go shopping it is the same, but he eats twice or thrice my portion. Sometimes my parents have to send me money for upkeep with which I pay my part of rent.

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Sharing a House With My Boyfriend

My boyfriend and I want to move in together. He says that he is "uncomfortable" with the idea of me being on the mortgage or the deed to the home. We've been together for three years. While I understand where he is coming from....

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Sharing Living Expenses With Boyfriend

I been living in my boyfriend's house for over 4 years. He is divorced with 3 kids. I quit my job and moved out of my town into his. Because of the girls schedule, we have 50% of the time, I take care of them.

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Choosing Between Cable and Satellite Bundled...
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Social Security Child Dependent Benefits and Child Support

If you are divorced and have a dependent child and that child is receiving social security benefits, in most states, the benefit the child receives does indeed affect the amount of child support paid by the person responsible for paying child support.

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Buying Used Washers and Dryers
Read 1 Solution
Getting Dental Work Done Without Insurance

I have periodontal disease but no insurance. I have had it for a while. I have had two gum surgeries in the past. I haven't seen a dentist in about five years after losing my job. I lost my insurance and have not been able to afford to buy insurance.

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Using Credit Unions
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Energy Usage of a Dryer Not in Use

Does a laundry dryer that is turned off use a lot of energy with a 220 plug?

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Getting Dental Work Done Without Insurance

We need emergency dental periodontal work with no money and no insurance in Seattle, Washington. Any suggestions?

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House Sitting Service During the Summer

I am 14 and I put up posters around town for my house sitting service during the summer. Before long, I had 5 different jobs lined up. I charged 5-10 dollars a day, depending on how much work it was. I made over four hundred dollar in about 8 months.

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Student Loan Forgiveness for Disability

If you have student loans and are receiving Social Security Disability the loans and all part of the loans no matter how large can and will be wiped clean. All that has to happen is your doctor filling out a couple of forms.

Read 4 Feedback
Free or Low Cost Dental Work

I am in desperate need for dental work. I am constantly sick with nausea and pain from my teeth not to mention I have lost my smile. I am 39 and all my teeth need to go they are in such bad shape.

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Tips for Price Matching
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Who is Responsible for Funeral Expenses?

My mother in-law remarried 8 years ago. They live in my mother's home and he will continue to live there after her death. She has let her life insurance lapse and she is now 80 years old.

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Shopping on eBay

I found "the" Sunbeam electric blanket replacement cord I wanted on eBay yesterday, and thought I purchased it, but it didn't go through. Today I can't find "the" replacement cord I wanted on eBay.

Read 1 Answer
Getting Hired as a Longshoreman

I am on the list to get hired. How do I find out my place on the list?

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Buy Now, Pay Later Websites

Do have suggestions for the best websites for buying now and paying layer?

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Collecting on a Personal Debt
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Protecting Personal Information
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Medical Assistance for Someone on a Fixed Income

I need to have cataract surgery. My insurance does not cover all of it. Are there resourses to help cover the portions not paid bu my insurance? I'm on a fixed income.

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Sharing Expenses After Marriage

I have lived with my boyfriend and his two children ages 7 and 12 in his house, that is paid off, for several years.

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Check your Electric Company for Savings

Check with your electric company for savings you may be overlooking. This is especially true if you are on a co-op system, and often also true if you are on a town electrical system.

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Sharing Expenses with a Live-in Boyfriend

I am 47, divorced, with two teenagers and still reside in the house that my ex and I own. We are co owners, as the judge ordered me to stay in the house. My ex pays me alimony and child support.

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Use a Coolbox Instead of a Fridge

If you live alone and have a freezer, you can use it to freeze cold cells for a coolbox, so that you don't need to use electricity running a fridge as well. My daily routine includes changing my cold cells when I get up, and when I go to bed.

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Pay Mortgage Bi-weekly

You can pay your mortgage payments bi-weekly, rather than monthly. Two more payments a year adds up a lot of savings over several years. I shaved several years off my mortgage by doing this.

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Check for Utility Discounts

Check with your cell phone provider to see what discounts you may qualify for. Most people are aware that auto insurance companies give discounts, but are not aware that cell phone companies do as well.

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Sharing Expenses With Boyfriend

My boyfriend kinda started staying here 24/7 a year ago, for the first 14 months he didn't help pay for anything. Then of coarse me being single mom of 2 couldn't afford to feed 4 of us so I had to use credit cards to be able to make it.

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Saving Money on Household Expenses
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Exchange Rate Tips and Converting Currency
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Sharing Living Expenses and Chores

My boyfriend has lost his home and is livng in a run down rental of his own. I know he is having financial problems, but he doesn't discuss them with me.

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Using Free Credit Reports
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Money Making Tips for Stay at Home Moms
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Selling a Home in Need of Repair

I live in a mobile home that needs work. I can't afford these repairs. Propane costs about 2,000.00 a year which is way over my budget. I can't sell it without all these repairs being done. How can I go about moving without having to do this? I plan to move into senior housing.

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Buy Now Pay Later Web Sites

Does anyone know of any sites that still do buy now pay later without a credit check? My credit is not the greatest. I need to get Christmas presents for my daughter. Thanks.

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Buy Now Pay Later Sites

I am looking for buy now pay later sites other than Fingerhut.

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Getting a Longshoreman Job in US

I am currently employed for the past 20 years as a longshoreman superintendent for a very reputable shipping company in South Africa. Is it possible to obtain a similar vacancy in the states?

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Stuffing Envelopes

Has anyone checked out Preston Lord Ent.? Is this a legitimate work from home opportunity?

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Who Is Responsible for Funeral Expences?

My partner left his wife and came to live with me. He never divorced his wife and he has now died. I've been told that his wife is the next of kin so she has to arrange the funeral and handle the cost.

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Training to Become a Marine

How long does it take to complete basic training for US Marine corps?

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Mvelopes Budgeting System Reviews

This is a guide about Mvelopes system reviews. Mvelopes is a home budgeting system that is based on the old envelope method of home finance where you stashed your money into different envelopes to last until the next pay period.

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Reducing Your Household Budget
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Craft Camp as Summer Job

I'm 13, with sisters of 11 and 9. We live in a community with lots of little kids. In the summer, we hand out fliers and set up crafts.

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Finding the Best Coupon Websites
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Pregnant and Sharing Expenses With Boyfriend

I have just found out I am pregnant and therefore my boyfriend and I are now looking to move in together. I plan to go back to work after the baby is born and work about 30 hours a week.

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Getting a Job With a High School Diploma
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Buying a Mattress
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Selling Antique Furniture
Read 10 Questions
Sharing Mortgage Expenses with a Partner

Should I contribute to my partner's mortgage if his house is going to his four kids when he dies? We are getting married and he wants a pre-nup that says his kids get the house, yet I am contributing and could be for years. Or should I just be paying my half?

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Tips for Hiring an Accounting Professional
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Understanding Your Credit Score
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Choosing a Real Estate Agent to Sell Your House
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Understanding Credit Scores

When checking my credit scores, I find that one monitor has one score the other another both, Experian. Which do I believe?

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Selling Pop Tabs on eBay

I need someone to tell me how to go step by step onto eBay and be successful on selling these can tops. I have no clue and I wanted it to be easy, fast, and successful. Please help.

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Septic Cleaning and Inspection Prior to Selling

My niece stayed with us for awhile and I am now selling my house. I am pretty sure she was throwing up a lot. Will I pass inspection?

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Auto Insurance Basics
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Saving Money on Energy

How can we save $$ on our energy bill when my utility company increases our rates because we are using less energy?

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Saving Money With Reward Programs
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Financial Responsibility for Funeral Costs
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Increase Tips When Waiting Tables
Read 3 Feedback
Applying for a Job as a Longshoreman

When do the books open to sign up for a longshoreman?

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Splitting Living Expenses With Boyfriend

I live with my boyfriend, he owns the home so I didn't get a say in if it was affordable. However it's not bad either, but he lives there with his 2 kids, 10 and 11 years old. He would have to pay the mortgage anyways, it's not like I am taking up any space being that I share a room with him.

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Getting a Job as a Longshoreman

How old do you have to be to become a longshoreman?

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Free CPR and First Aid Certificates

Anyone know where my young mentoree can obtain free CPR and First Aid certificates? She needs them to work in a daycare center. We are located in the Washington, D.C. area. I have tried the Red Cross and AHA.

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Getting a Mortgage With Bad Credit
Read 1 Question
Shop at Home to Save Money
Read 2 Feedback
Paid Survey Site: Opinion Outpost

This site is a site I have tried. I did about two weeks worth of surveys. I earned 140 opinion points and cashed out through Paypal for fourteen dollars.

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Choosing Medicare Supplemental Insurance
Read 1 Solution
Saving Money as a Senior Citizen
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Cheap Phone Service

Cell phones are many times reduced to anyone receiving any kind of assistance: Lower income families, SSI, food stamps, Medicaid. I believe this service is available in many states in the US.

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Saving on Electric Bill
Read 2 Answers
Saving Money on a Perm
Read 2 Solutions
Ask For Travel Reimbursement

Health and Human Resourses will reimburse you for the cost of the gasoline you had to purchase in order to go to and from doctor or dental visits. They will furnish you a form that you fill out and the doctor or staff member signs it.

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Buy Now, Pay Later Sites That Ship to the Phillipines

Does anyone know of buy now, pay later sites that cater orders from Philippines?

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Paying Taxes on Gifted Money
Read 2 Questions
Getting Cash Back at Stores

What is the least amount of cash back Walgreens will give?

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Buy Now Pay Later Medical Supply Store

I am looking for store or place for medical supplies such as Nicoderm CQ patches and other medical supplies. It needs to be a buy know pay later type store for someone with bad credit and debit.

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Sharing Expenses With Live-in Girlfriend

My GF of 2 and a half yrs is moving in with me. It was a mutual decision based on us wanting to be together. We are 50 yrs old. She previously had an apartment for which she paid roughly a $1000 a month in rent plus all the utilities that go with an apt (gas, electric, cable, water).

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