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Budget & Finance


Making Extra Cash

What do you do to make extra cash? Do you sell Mary Kay, Tupperware, Partylite or something else? I would like to know what you do and your ideas to make extra cash. The holidays are coming up and my budget is super slim.

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Hand holding an iPhone.

Smartphone Knowledge

I've heard the argument before. The expensive price tag on the iPhone is justified by the applications that it runs. It sounds like a good argument, but when the calculators come out, it doesn't work. So, what's a smartphone worth?

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Inexpensive Heating Unit Similar in Efficiency to Window AC

Out of necessity, we have "zone-cooled" our home the last two summers with a portable a/c unit and 2 window a/c units. This has been an efficient way to cool the room we are in and keep the bill down.

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Reducing Cable Costs

In an effort to cut costs to the barest amount, I called the cable company and asked them to turn off our service. I told them I only watch the local channels. They offered me a new plan of only the local channels.

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Round Up To Save Money

I always keep a log of everything we spend and I always round up the total. For example: if I spent $1.25, I always round it up to $2.00. It sounds small, but after awhile, it really adds up. I never have too worry about being overdrawn.

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Applying for a Longshoreman Job

How do I get an application for a longshoreman job?

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Keeping Track of Expenses

I pay bills by direct debit/check. Then I get my monthly allotment for groceries, gas, etc. in cash which I have in an envelope in my purse. After each purchase I put the receipts back in the envelope with the balance of my cash.

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Getting Work as a Longshoreman

How do I get work as a longshoreman in Newark New Jersey?

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Banks Can Help You Save

I am currently banking with Wachovia, soon to be Wells Fargo. Every time I use my debit card, $1.00 of my money in my checking account gets transferred to a Way-to-Save account.

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Organizing Your Expenses

Ever sit down and wonder where your money goes? Many of us put a lump sum of cash in our pocket and when that money is gone just withdraw more money from our checking account or use the good ole debit card.

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Saving Money by Buying in Bulk

I am attempting to buy grocery items in bulk. Any suggestions or tips?

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Most Economical Time to Run Large Appliances

What is the most economical time to use a washing machine and dishwasher?

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Raising Your Credit Score, A pile of credit cards.

Raising Your Credit Score

This is a guide about raising your credit score. Your credit score is important when applying for a loan or a line of credit. Although it can take awhile, there are ways to increase your credit score if you find that it's too low.

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Happy Couple Talking With Financial Consultant

Selecting a Broker or Financial Planner

This is a guide about selecting a broker or financial planner. Having a good financial planner or broker to consult with can be a valuable asset. Finding the right broker or financial planner for you can be a daunting task though.

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A table filled with antique nicknacks.

Starting an Antique Business

This is a guide about starting an antique business. Antique furniture, dishes, curios and nicknacks can often be found for little or nothing and then sold for a lot of money.

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Finding a First Job, Newspaper with Jobs as the heading

Finding a First Job

This is a guide about finding a first job. Finding a job when you have never worked before can be daunting. You will need to know where to look, how to apply and how to present yourself.

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What to Do if You Lose Your Purse or Wallet, Lost Wallet

What to Do if You Lose Your Purse or Wallet

This is a guide about what to do if you lose your purse or wallet. In the age of identity theft, losing your purse or wallet can be a frightening experience. It is important to act fast and know the proper steps to take.

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Receiving Disbursements from an IRA

I am 70 now; how do I start drawing from my IRA account?

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Guidelines for First Time Renters

Your first place is like establishing credit. Start out right and it's smooth sailing. Make bad choices and it will follow you. Some pointers from my years of managing property are here, so I hope they help.

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An street with an

Renting an Apartment

This is a guide about renting an apartment. Whether you are a first time renter or have rented before, there are a lot of things to consider when renting an apartment. Understanding your lease agreement, finding a good rate, and choosing your neighborhood are just a few of the things you need to do.

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Featured in Budget & Finance

AmEx Paid for My Vacation

AmEx Paid for My VacationAmerican Express paid for my son's vacation. Seriously? Yes, the focused and frugal can manipulate credit card rewards to their benefit. Of course, without dedication and restraint you'll fall into the trap that the credit companies created.


Do I Need to Insure My Credit Cards?

Do I Need to Insure My Credit Cards?Calls to a credit card company often involve a brief speech offering various services affiliated with the card. Accumulating debt is bad enough, but paying interest on the debt and then paying to insure that debt is a poor financial decision.


Teaching Your Children About Money

Teaching Your Children About MoneyI remember when I was little, I absolutely LOVED to play dress-up. What's more, I loved to use my mom's clothes. While I was talking with Mom yesterday, we touched on that topic and on a very funny memory, and I thought that you might like to know about it.


Starting Over With Your Household Budget

Starting Over With Your Household BudgetWhen organizing your household budget, things can get a bit overwhelming. Do you know where your money goes? If you can't account for it, try scrapping everything you're doing with your money this month and start over.