Getting Dental Work w/o InsuranceFor the many people without dental insurance, there are sometimes affordable ways to get the needed work done. This is a page about getting dental work done without insurance.
Buy Now, Pay Later WebsitesBuy now, pay later websites offer an alternative to shopping using a credit or debit card. This is a page about buy now, pay later websites.
Minimum Payments to Avoid CollectionsMaking minimum payment to keep an account from going into collections is good way to ensure your credit score does not drop unnecessarily. If you can make minimum payments to avoid collections it's usually a good idea.
My Debit Card Was Stolen and Used Online?I have recently had my credit/debit card number stolen and used online. Between May 27-31st over $1000.00 of charges were made. I was alerted to this by a letter from my bank saying that I was .32 cents overdrawn.
Disposing of Important PapersThis page is about disposing of important papers. Protecting your personal data is important. There are a number of ways to destroy documents that you no longer need to keep.
Selling Antique FurnitureWhen you are selling vintage pieces of furniture you will want to get the best price for it. This page is about selling antique furniture.
Listing of Discount Grocery StoresDiscount grocery stores can be a great place to save money when buying food for your family. Finding a list of stores near you can sometimes be a challenge. This is a page about listing of discount grocery stores.
Cashing an Old Money Order?This page is about cashing an old money order. A financial instrument often has an expiration date.
Where Can I Cash a Tax Refund Check from H&R Block?Does Walmart check a person's credit report to cash an H&R Block tax refund check?
Where Can I Buy Rolls of Quarters?Paper rolls for rolling coins are often available from your bank at no charge. If you would like to purchase quarters already in rolls, the bank has those as well for $10 per roll. This is a page about where can I buy rolls of quarters?
Paying a Large Dental BillThis is a page about paying a large dental bill. Having to pay a large dental bill can be very frustrating and stressful for many people on a lower or fixed income.
Tax Receipts for Thrift Store Donations?The sales person who gave me a receipt for donation in the thrift shop refused to put an amount on it if it worth less than $500. Now I have 3 receipts which indicate only number of shopping bags.
Bill Me Later WebsitesIt is possible with some website to order products and have them bill you later. This is a page about bill me later websites.
Getting a Job as a LongshoremanThese union positions have a long and honoured history in the US. This page is about getting a job as a longshoreman.
Getting Dentures Without Insurance?This is a page about getting dentures without insurance. If you don't have dental insurance it can be difficult to afford dentures. Here are some tips about finding low cost dental care.
Gas Only Credit Cards?Are there any gas credit cards to limit purchases/use to gas only?
Saving Money on Long DistanceThis page is about saving money on long distance. It doesn't have to cost a lot to make calls out of your area.
Simple Household Bookkeeping SystemKeeping track of household expenditures does not need to be a complex process. This is a page about simple household bookkeeping system.
Finding Legitimate Work From Home JobsThis is a page about finding legitimate work from home jobs. Working from home is rewarding but requires discipline, organization and finding just the right opportunity.
Keeping Track of Bill Due DatesMany people use a calendar or their cell phone to keep track of when bills need to be paid. This is a page about keeping track of bill due dates.
Inventory and Photograph Belongings for Insurance ClaimsPhotographing your possessions for future reference in case of a fire or natural disaster can be a great way to ensure you can claim losses on all of you belongings. This page has tips about how to inventory and photograph belongings for insurance claims.
Financial Assistance to Purchase a Car?Is there any kind of help out there for purchasing a car? I am disabled and on a fixed income and I need some kind of help with money purchasing a car.
Sharing Living Expenses With Boy/GirlfriendThis page is about sharing living expenses with boyfriend. When living with a partner it is important to have a clear understanding of how the household costs are divided.
Making Money by Stuffing Envelopes at...This is a page about making money by stuffing envelopes at home. People looking for work from home jobs have been tempted to consider envelop stuffing opportunities. Many such offers are often a scam.
How Much Should I Charge a Friend Temporarily Staying in My Apartment?A friends apartment is under investigation for BGE (Baltimore Gas and Electric) which means she has no electricity in her apartment. She has been here for over a month, doing her laundry and eating. She asked, "How much do I owe you?" My question is what is a fair amount?
Shopping Sites Without Credit Check?While rebuilding your credit rating it can be difficult to find online sites that will allow you to make payments without a credit check. This is a page about shopping sites without credit check.
Adding Up the Savings of a Frugal LifeThis is a page about adding up the savings of a frugal life. We all know that those little things you do to be frugal everyday adds up to big savings over time. However, it can help you stay motivated to be frugal by sitting down and calculating just how much your are saving.
Grants for Low Income Seniors?This is a page about grants for low income seniors. When your revenue is limited or fixed, you may need to find additional money to maintain a healthy standard of living.
Saving Money on Heating CostsThis is a page about saving money on heating costs. Heating our homes can be very expensive.
How to Report Rental Income from a Live-in Relative?We just bought a house and my sister is going to live with us for a time and give us $500 towards expenses each month. Once tax time comes, I am not sure how to claim this money that she gives us. Does anyone else have a similar situation, and how do you work it with taxes?
Having an Estate SaleThis is a page about having an estate sale. Hosting an estate sale is, unfortunately, something most of us will have to do following a death of a loved one. Whether you are planning it by yourself or hiring someone else to plan it for you, it can be a daunting task.
Paying Off a High Interest Debt on a Fixed Income?I am a senior citizen paying over $1000.00 in interest fees on a $180,00.00 line of credit. The interest exceeds my income. What can I do?
Financial Responsibility for Funeral CostsThis page is about financial responsibility for funeral costs. Planning for your funeral expenses helps reduce the stress on your loved ones in their time of grief.
What Are the Cheapest Paper Products?Paper can often be purchased in bulk rather inexpensively. However, paper comes in a myriad of forms and textures, so be sure the bulk paper you are buying will fit your needs prior to purchasing it. This is a page about what are the cheapest paper products?
Paying with Cash instead of a CardThis is a page about paying with cash instead of a card. Paying with cash, not with your credit or debit card can save you money in several ways.
Job Ideas for 12 Year Olds?12 year olds are not old enough to work a regular part-time job. There are many jobs they can do for family, friends or neighbors. Get job ideas for a 12 year old in this page.
Stocking Up on GroceriesThis page is about stocking up on groceries. Reducing your trips to the grocery store can be accomplished if you buy lots of what you use.
Buying Kraft Roka Blue Cheese SpreadThis page is about buying Kraft Roka Blue cheese spread. This well loved spread has been discontinued by Kraft and can no longer be found in store but you can still find it sometimes online.
Saving Spare ChangeIt can be amazing how quickly those extra coins can add up. This page is about saving spare change.
Paying TaxesThis is a page about paying taxes. Whatever your tax liability is for, you want to make sure you are ready to pay it on time.
Tips for Living on Just Social Security?This is a page about tips for living on just Social Security. Trying to live on Social Security alone can be very challenging.
Retaking the Longshoreman UTR Training?I was one of the lucky winners that got my name pulled in the lottery. I went through the orientation, passed my lashing test and when I waited for my name to come up for my UTR training, but it never came up.
Is Hazel Peppergood Inc. a Scam?Hazel Peppergood is advertised as a viable work from home opportunity but reviews have not always had good success with this opportunity. This page discusses whether Hazel Peppergood, Inc. is a scam.
Help Prevent Check Theft: Use Gel Ink Pen When Writing ChecksI used to work at a bank and once during our monthly meeting a couple of investigators from the DA's office came to talk to us about different scams; identity theft, etc. They told us to NEVER use a regular ball point pen to write a check as the ink could be "washed" and the check could be re-used. They said to always use a gel ink pen, that the gel ink wouldn't wash off. They demonstrated by putting some regular nail polish remover in a small bowl and dipping the check and using a cotton ball to wipe until all the ink was off. Some crooks are very meticulous and leave the signature intact; but that's not really necessary since banks clear clecks electronically and only spot check signatures. If there is such a problem, though, your bank will refund the monies lost after filing a police report.
By Margaret
Buying Used Washers and DryersThis is a page about buying used washers and dryers. Replacing a worn out or broken washer or dryer can be less costly if you shop for a good used appliance rather than a pricey new model.
Saving Money on Paper TowelsThis page is about saving money on paper towels. A thrifty way to reduce garbage is to use fewer paper towels, and consider using washable fabrics.
Refill Foaming Hand SoapFoaming hand soap can be expensive when you buy a new bottle each time you run out, but you can save money by refilling a foaming hand soap bottle with diluted liquid soap. Learn how in this page.
Getting Rid of Cable TVThis is a page about getting rid of cable TV. Fed up with the rising cost of cable, but reluctant to have no easy access to your shows can create a quandary.
Saving Money on a PermThis page is about saving money on a perm. Doing a permanent at home can save you money or there are ways to create a temporary perm look.
Selecting a Broker or Financial Planner?This is a page 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.
Using Video Streaming Services Instead of Cable TVThis is a page about using video streaming services instead of cable tv. Cable is expensive, but there are some ways you can save money. One option is to switch to a streaming service to watch your favorite shows. Netflix and Hulu are just some of the services out there. Here is some advice if you are thinking about cancelling cable.
Sylvan Learning Center Coupons?This page is about Sylvan learning center coupons. It's always helps to save money on education.
Saving Money on Garbage BagsThis page is about saving money on garbage bags. There are a number of ways to save on these bags and reduce the bulk of your garbage.
Planning for RetirementThis is a page about planning for retirement. There are many things to consider when planning for retirement, making it a daunting task for some.
"Debt into Wealth" Reviews?I'm wondering if any of you have tried the "Debt into Wealth" course that is offered online by Greg Moore. He claims that he can have you debt free in 5-7 years, including your mortgage.
Problems With MyFreeCheck?I just bought a program called MyFreeCheck. I registered it on line. I bought this program in order to write checks on my computer but everytime I tried to print a check it says no check marked for payment. Then I get an e-mail about hoq I have an account with MyFreeCheck.
Advice on Canceling Cable and Phone...This is a page about advice on canceling cable and phone service. Deciding to cut your cable and phone service is one way to save on expenses, or an option to seeking other service providers.
Ways to Raise Money for a School Trip?My class is going on a trip to Washington D.C.. What are some good ways for me to raise money if I'm under the age of 15?
Best Method for Making Payments to Collection Agency?I am paying off an old debt via a collection agency. Do you think it is wise to pay using my debit card on their website or just send them a money order or personal check through the mail? I have to make 3 payments to them. Any suggestions will be appreciated.
What Should I Do With My 401K After Losing My Job?Rolling your 401K over into a Roth IRA can be a great way to continue building your retirement even after you lose a job. This is a page about what should I do with my 401k after losing my job?
Contact Your Internet Provider About OutagesThis morning, my internet suddenly stopped working. I restarted my router and nothing was working. I searched online "Is Cox down in my area" and there were many reports. I decided to log onto my Cox Internet account and it said there are outages in your neighborhood and to text a number to stay informed when it'll be back up. My internet ended up being down for 5 hours.
How Are You Using Your Stimulus Payment?Many U.S. citizens are receiving money from the government this week, in order to stimulate the economy and help struggling families during the COVID-19 pandemic. This is a big help for many people, including my family. I'm using about half of the payment to cover an upcoming surgery and the other half will pay off a hospital stay from last February.
DIY Business Receipts?How do you use or create a business receipt that is acceptable for filing taxes?
Preparing a Home for SaleWe want to sell our home and build a smaller one. Our home is only three and a half years old. I need some staging tips before we put it on the market.
What Are Some Reliable Survey-taking Sites?This question didn't fit in any category, but here goes: Does anyone here participate in online surveys to earn cash/rewards/gift cards? I'm interested in doing this, but I don't know of many sites that are reliable and safe and I thought some of you here would. Right now I'm on surveymonkey and I like it. Also which survey sites should I avoid?
Being a Secret ShopperIf you love to shop or dine out, a part time job being a secret shopper might suit you. You have the chance to share your shopping experience to improve the business. Payment is often in goods or discounts rather than cash but there are many different programs.
Changing the Name on a Utility BillI decided to change the name on the phone bill from my husband's name (since he has been deceased for over a year) to my name. However, it turns out they cancel everything in the old account, including the old email, and start over with a new account!
Hiding Car Coins in Plain SightI rarely buy coffee out but when I do, I have these cups to recycle. One day, I was throwing my change in the console, and this old cup was in there from the day before.
Will the Main Street Fairness Act Affect Me?As Congress debates whether or not to pass the Main Street Fairness Act, consumers are wondering what this means to them. In fact, customers have been wondering for years why they pay sales tax to some online and catalog orders and not to others.
Applying for a TWIC CardThe TWIC card, or Transportation Worker Identification Credential, allows people to work for the Coast Guard or other maritime facilities in the U.S. Applications can be found online and there are many locations nationwide to turn in the paperwork.
Sharing Expenses with a Live-in Boyfriend?I moved with my bf. We had an argument with him regarding sharing the expenses. He is not clear and just told me that couples help each other. I'm gonna leave my job to move with him, but as of now I don't have source of income. We were at the grocery he told me we need to share at least half. I thought he was kidding me and when we were at the counter he told the cashier to split it.
Selling Candles?Candles are popular for decorating and scenting your home. Some people hand craft their candles and others act as a salesman for a commercial candle company, or resell their own candles.
Investing in the Stock MarketInvesting in the stock market takes some research. Learn what stocks you can purchase and how best to acquire them. Direct stocks can be purchased without a broker
Filling Out a Money Order?Money orders are a safe alternative to checks and can be used for any debts that need to be paid. Money order services such as Western Union are popular. They are also available through the U.S. Post Office.
Protecting Your Banking InformationChecking account information has been at risk for some time. Whether the thief steals a check or is able to acquire your account number and routing number or debit or credit card information, it is the account holder that needs to be aware of unauthorized activity on their account. This page contains ideas for protecting your checking account information.
Why a Budget is Like a ShowerUsing a too hot shower as a simile for one's monthly budget, learn how you can adjust your expenditures to fit your budget rather painlessly. The following essay discusses why a budget is like a shower.
Give Yourself a Second Payday With CoinsMany people drop their loose change in a bucket or jar. If you take that cache in to your local market where there is a Coinstar machine you can turn it into cash, no fee gift cards, or make a donation. There is a fee for the service, but you don't have to sort and wrap as with a bank. This can make you feel like you just got a second payday.
Saving Money on BandagesWhen your kids use too many bandages, there are some ways you can reduce the number they use. One way to save by using stickers on plain bandaids in place of character bandaids.
Finding Free Dental Assistance for Veterans?I can't afford to remove a molar lying on my jawbone. I is 4000.00 plus. However I found a dentist who made me a lower denture that looks great except that with cuts on my tongue and multiple abrasions under my tongue I am unable to shallow. It is too unbearable for me to use them longer than an hour. I have dental insurance with the VA, but they can't help.
Buying a House with Bad Credit?I'm on disability and my husband has been self-employed for over 25 years. We want to sell our mobile home and buy a house more suited to us, but with low income and bad credit (due to identity theft we are still dealing with), we're not sure if it's even possible. Where and with whom should we start?
SSDI and Child Support Modifications?Balancing a social security payment with a large child support bill can be challenging. This page discusses SSDI and child support modifications.
Troubleshooting the Cause of a Large Electric Bill?Receiving a utility bill that is unexplainably high is initially a shock. Then the question is what is wrong. With a high electric bill, sometimes the culprit is a malfunctioning appliance. This is a page about troubleshooting the cause of a large electric bill.
Suggestions for Investing for Short Term Growth?I have $500 to invest for each of my 4 children. I want to invest it and have it grow for the next 5 years. Any ideas?
Making Money With Your ComputerAlthough there are lots of websites online that suggest you can make money working from home, it's best to use caution to avoid scams or predatory MLM businesses. However, there are some legitimate ways to use your computer to earn income. This page discusses making money with your computer.
Roadblocks to Financial WellbeingCommon mistakes in budgeting or spending can cause a ripple effect through your finances. Planning and will power can keep you on the right track. This page contains advice for avoiding roadblocks to your financial wellbeing.
Reducing Credit Card DebtThe amount of credit card debt you owe can creep up on you. If you only pay the minimum payment you will not make any headway in reducing the balance. Make larger payments, pay off recent charges, and reduce the purchases to see the balance go down. This is a page about reducing credit card debt.
Earning Extra Money With Consignment StoresWhen clearing clutter and unused clothing, rather than donating it all to a thrift store check to see if any of the items may be a good choice to take to a consignment store. You might earn some extra cash. This is a page about earning extra money with consignment stores.
Investing in Certificates of Deposit (CDs)Unlike a savings account, certificate of deposit funds are invested for a set time period and set interest rate. There can be a stiff penalty when the funds are withdrawn early. This is a page about investing in certificates of deposit (CDs).
Avoiding Telephone ScamsIt is important to be cautious of anyone contacting you via telephone. There are many criminals who use fraudulent tricks to get personal information, which can result in identity theft or credit card fraud. This is a page about avoiding telephone scams.
Financial Advice for RetirementWhether you are just starting your retirement plans or are currently retired, your situation can benefit from expert financial advice. This is a page about financial advice for retirement.
Saving Money on Kid Friendly ProductsYou don't need to spend much money to have fun with the kids. Frugal options are available to teach a creative young mind. This is a page about saving money on kid friendly products.
Home Inspection Tips for New Home BuyersGetting a house inspected properly before purchasing is an important step to take for first time home buyers. This is a page about home inspection for first time or new home buyers.
Opt Out of Financial Credit OffersPeople can steal those forms right out of your mailbox and steal your identity. You can opt out by going to this website.
Finding Production or Assembly Work You Can Do From Home?Finding work from home jobs, especially non technical ones can be very difficult and not necessarily profitable. Continued diligence may pay off. This is a page about finding production or assembly work you can do from home.
Dealing With Credit Card DebtThis is a page about dealing with credit card debt. Do you have a large amount of credit card debit or is your interest rate really high? Here are some tips and advice to help you deal with your credit card debt.
Finding a Job with a Felony Charge?Unfortunately, a felony charge can follow you around, damaging your employment opportunities. This is a page about finding a job with a felony charge.
Struggling With a Small BudgetIf your paychecks are being stretched, look for places to tighten the belt. This is a page about struggling with a small budget.
Sinking In Debt, More Bills Than Income?If your bills are higher than your take-home pay, it's time to get some help. This page has advice about sinking in debt, more bills than income.
Do I Need to Insure My Credit Cards?Most credit card companies offer some type of insurance if you are injured, unemployed or otherwise unable to pay. This page helps answer the question: do I need to insure my credit cards?.
Paying Off High Interest Student Loans?It is important to pay off high interest loans as quickly as possible. In some cases, you may be able to consolidate student loans for a lower rate. This is a page about paying off high interest student loans.
Filing an Insurance Claim After a Fire?When claiming a fire loss I have a book Pokémon cards in plastic sleeves. What is a replacement value of over 1000 cards? Do I look up every card? Will the smoke smell ever disappear? I am trying to negotiate with the insurance company myself. The cards can't be cleaned like most surfaces in my house.
Avoid Additional Warranties at CheckoutOnly buy products that have good warranties in the first place, and say "No" when a checker offers you an impulse warranty on electronics. If you are afraid that the product will not last past the manufacturers warranty, it's probably not worth buying.
Working From HomeMany people are attempting to work from home during the current lockdown. Here are some tips for being effective without having to go into the office.
How to Save Money By Paying With CashThis is a page about how to save money by paying with cash. There are numerous benefits to not purchasing items on credit. We are surrounded by constant incentives to use credit, but just avoiding interest fees help you save money.
Reducing Credit Card DebtMany of us use a credit card for online purchases, bill pay, or when we go out so we have some fraud protection. Throw in a major auto repair or medical expense and it can be easy to start running a balance. It's easy to feel resigned to being in debt but with proper planning you can get your credit cards under control.
Getting Out of DebtThis page is a page about getting out of debt. Consumer debt is at all time highs and the interest on carrying large amounts of debt is very expensive. Carrying less debt is something that every household should strive for.
Preparing for a Life with Less IncomeI am planning to retire in the next three to five years. I have been thinking a lot about making sure I am in the best financial situation possible. I realized that it is really my second time planning to live on less income. 35 years ago I left the workforce to raise my family. That was temporary; this is probably going to be permanent. A lot of the things I did then to prepare for less income I am doing now.
Earn Christmas Money OnlineSince we've been stuck at home a lot this year, I figured I'd make the most of my time and make some extra Christmas money. One of the best ways I've found to make extra money is to participate in Swagbucks. You must be patient, and it takes a lot of time some days, but you can easily make $25 a month and more. My favorite rewards are Paypal and Amazon.
Hiding Car Coins in Plain SightI rarely buy coffee out but when I do, I have these cups to recycle. One day, I was throwing my change in the console, and this old cup was in there from the day before.
Saving Money On InsuranceCheck your insurance policy. I had a jewelry/fur rider for years. When the gold got high I sold so much of the jewelry. I also gave away a lot to my daughter. I haven't had a fur in many years. I looked at what I have left, and decided it wasn't worth it to keep it. I am saving $89 per year.
DIY Business Receipts?How do you use or create a business receipt that is acceptable for filing taxes?
What Are Some Reliable Survey-taking Sites?This question didn't fit in any category, but here goes: Does anyone here participate in online surveys to earn cash/rewards/gift cards? I'm interested in doing this, but I don't know of many sites that are reliable and safe and I thought some of you here would. Right now I'm on surveymonkey and I like it. Also which survey sites should I avoid?
Finding a JobI want to make money but 2020 is making it hard to pick a job, like I can't be a house cleaner or a babysitter because COVID. What job do you suggest?
Finding Jobs for a 12 Year OldI'm 12 and want money but I don't know what to do with all this covid. I can't babysit because of covid or really anything. Y'all got any ideas? I just am a girl who wants money. I can only do work on the weekends because I'm still in school.
Cashing an Older Money Order?I have an 6 month old Western Union money order; can I still cash it? And where?
How Are You Using Your Stimulus Payment?
Many U.S. citizens are receiving money from the government this week, in order to stimulate the economy and help struggling families during the COVID-19 pandemic. This is a big help for many people, including my family. I'm using about half of the payment to cover an upcoming surgery and the other half will pay off a hospital stay from last February.
