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Buy now pay later button on a computer keyboard.

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.


A person creating a denture plate.

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.


Dental tools in open mouth

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.


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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?


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"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.


Minimum Payments to Avoid Collections

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.


A nice looking antique chair.

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.


Preventing Identity Theft, Thief in mask on Computer

Preventing Identity TheftThis is a page about preventing identity theft. Identity theft is becoming surprisingly common. There are many steps you can take to avoid becoming a victim of identity theft.


Hand Holding iPhone 4

Using Your Smartphone to Save MoneyThis is a page about using your smartphone to save money. Smartphones have rapidly become ubiquitous in our society. While not everything about these phones is great, they are an easy way to track finances and even get discounts at stores you shop at.


Shredding Confidential Document

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.


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Our Energy Bill Keeps Going Up?I am wondering if you all can help me pinpoint where our electricity is going. Starting approximately in November our electric bill began going sky high. We hadn't changed any of our habits that we could think of, yet our KW per hour usage started to go up. We don't watch much TV and our computers had both bit the dust so we weren't spending time on them.


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How Do I Budget For a Used Car on a Low Income?How do I budget for a used car? I am on a SSD from Social Security and my monthly income is under $900 a month. Any tips? My rent is $220 a month.



$500 bills

Cashing an Old Money Order?This page is about cashing an old money order. A financial instrument often has an expiration date.


A calculator and notebook that says retirement plan.

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?


Paper Towels

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?


Senior Woman Giving Credit Card Details On The Phone

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.


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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?


A shocked woman reviewing a utility bill.

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.


patchwork quilt

Hiring Someone to Make a Quilt?This page is about hiring someone to make a quilt. For a very time consuming project, it's important to determine the final price before someone starts to make a quilt for you.


Using a tablet to shop at a website.

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.


List of Sales By Month

List of Sales By Month?This page is about a list of sales by month. Knowing when to expect certain products to be on sale can help you save money.


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Does anyone know how to start a bartering group?I live in a small town and most people here don't have alot of money. I would like to start up a bartering group, but I have no clue how. Anyone know how? glomax56


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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.


Man holds invoice of water usage over desk.

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.


Two piggy banks stretching a dollar between them.

Stretching My Meager DollarsThis is a page about stretching my meager dollars. Finding creative ways to make your money go farther can be a real challenge.


Roll of quarters on white background.

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?


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Gas Only Credit Cards?Are there any gas credit cards to limit purchases/use to gas only?



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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?


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No Shredder? Burn Your Personal PaperworkClearing out that pile of old bank statements, getting rid of old paystubs or old income tax forms?If you have a paper shredder, you're good to go! I don't have a shredder, but I do have a chiminey!


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How to Sell Gene Dolls?I'm wondering if anyone has any ideas about how to sell Gene dolls, outfits and accessories. I am helping my elderly sister liquidate her collections and of them are Gene Marshall dolls, outfits and accessories.


A man using a tablet to pay bills with a credit card.

Paying Bills With a Credit CardIf you don't currently have credit card debt, you can save money and gain rewards if you pay bills with a credit card. Learn more in this page on paying bills with a credit card.


Longshoreman at Work

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.


A wallet full of cash.

Cashing Checks at WalMartThis is a page about cashing checks at Walmart. If you don't have a checking account you may need to cash checks at a retail location such as Walmart.


Flowers on a grave.

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.


Coins Flying out of Jar

Saving Spare ChangeIt can be amazing how quickly those extra coins can add up. This page is about saving spare change.


A girlfriend and boyfriend struggling to pay bills.

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.


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Bank Account With Leftover Class Reunion Money?What can be done with leftover class reunion money in a bank account when everyone is deceased?


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How Do I Sell My House to My Son?I'm looking for the least expensive way to sell a home. I already have a buyer (my son). Do I have to go through an attorney? Or a title company? Surely not both. I feel there is no need for a title search but will I have to have one to sell the house? Will I have to have the house appraised? I've gotten a free estimate from a Realtor and the price is okay with me and my son. My son cannot pay cash for the home.


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Reducing Food Costs and Avoiding DebtBudgeting is an integral part of personal finance and debt management. It requires proper allocation of money in all the categories to save money. Although purchasing food is necessary, if you're not attentive, it may also break your budget.


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Selling Vintage Heat Transfer Designs?Does anyone have any insight on how to sell or where to turn to unload mostly vintage heat transfer designs? Mostly from the 80's and 90's, some are also from the 2000's up to 2014. I purchased what was left from a business that closed and now have over 8000 heat transfer images.


A woman working on a computer at home.

Non-MLM Work From Home Ideas?I will soon be moving to a location that is deep in a canyon and about 30 miles from the nearest town. It's over 80 miles to a town that would have employment that could be considered substantial. I would like to do something at home.


A recycled jar with change inside.

Change ShortageMy husband and I save our change. It's quicker and more convenient for us to get change back from the clerk than it is to carry change with us. However, there is a change shortage now so when I get a pint jar full, I roll it in coin wrappers and take it to the bank. They are so appreciative to get it. I turned in $46.50 a couple of weeks ago. I was surprised to see it was that much. It does not take long to fill a pint jar.



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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.


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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.


A pile of money with a face mask.

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.


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DIY Business Receipts?How do you use or create a business receipt that is acceptable for filing taxes?


An arrow sign that says "Home for Sale"

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.


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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?


A person holding several shopping bags.

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.


Woman looking at a bill.

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!


Coins on top of a paper cup with a plastic lid.

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.


Online Sales Tax

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.


Several coast guard ships at a dock in Miami, FL.

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.


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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.


A collection of lit pillar candles.

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.


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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


A man holding a money order.

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.


A man using a credit card

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.


A shower of money.

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.


A pile of coins on a white background.

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.


A bandaid on a white background.

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.


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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.


Several envelopes on a desk with other supplies around.

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.


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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?


Legal paperwork for child support in the judge's chambers.

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.


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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?


money flying around about a laptop

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.


A woman using her phone about money matters.

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.


Person with credit cards and a calculator.

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.


Dresses on mannequins.

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.


Certificates of Deposit  on a desk.

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).


Financial advisor going over some notes with senior couple

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.


Mother and daughter choosing product at the grocery store.

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 inspector with a clipboard.

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.


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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.


Woman surrounded by boxes, getting them ready to send.

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.


Woman holding a stack of credit cards and typing into a calculator.

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.


Man making purchase with credit card online

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?.


Too many overdue bills piled up on desk.

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.


Woman sitting in kitchen working on her budgeting

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.


Man sitting down to interview looking at resume

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.


Graduation hat on top of a pile of coins.

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 - Pokémon card collection

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.


Hands holding cash to be put away for savings

Saving Your RaiseThis is a page about saving your raise. Saving money can be difficult. One thing that might work for you, if you get a raise, is to bank it, all of it. This way that extra money can grow and be used for future large purchases or unforeseen events.


Building with the word "Bank" on it.

Emigrant Direct Bank ReviewsIt's best to do research when selecting a financial institution to manage your money. This is a page about Emigrant Direct bank reviews.


Man driving at night in the city.

Driving for UberThis is a page about driving for Uber. If you check local job listings you are apt to find numerous ads for becoming an Uber driver. The pros an cons are clearly laid out in the personal experience essay included in this post.


Man holding out a car key.

Loaning Your Car To SomeoneThis is a page about loaning your car to someone. Before loaning your car to a friend or family member check with your insurance company to make sure that they will be covered.


Woman concerned about her bills negotiating on the phone

Negotiating Payment Plans for BillsThis is a page about negotiating payment plans for bills. When it becomes difficult to make the payments on your bills you can sometimes contact the company or utility and arrange a payment plan. Even if they are not open to that concept, consider whether equal monthly billing for utilities would help.


Woman studying for exam with books and computer

Tips for Passing the NBCOT Exam?The National Board for Certification in Occupational Therapy is for health professionals who treat people recovering from an injury, physical impairment, or mental health issues.This is a page about tips for passing the NBCOT exam.


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Claiming Step Children on Taxes?Can I claim my stepdaughter on my taxes if I support her and she is a full-time student that lives under my roof?


Tax Return Form with One Hundred Dollar Bill

Avoiding Early Tax Refund LoansIt's better to wait for your tax return to come from the IRS rather than losing part of it to pay for the early loan. This is a page about avoiding early tax refund loans.


One hand giving money to another hand.

Loaning Money to RelativesOftentimes, family will financially support each other whenever there is an emergency. However, it can be difficult to expect it to be returned promptly. This is a page about loaning money to relatives.


Brick apartments with laundry hanging from the balcony.

Low Income Apartments in North Carolina?Most cities have what is known as section 8 housing, for low income residents. You will need to contact Social Services or the Housing Authority in order to apply and get on the waiting list. Unfortunately the wait is typically quite lengthy. This is a page about low income apartments in North Carolina.


Woman paying grocer with cash

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.


A man watching a video through a streaming service.

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.


Investing Highlighted

Investing in Annuities?Annuities can be costly for you and very profitable for the company selling them, and may not be the best place to put your savings. This is a page about investing in annuities.


Paying off Debt

Snowball Payments to Get Out of DebtUsing this method of making larger payments on consumer debt and paying them off in sequence can work for many people. This is a page about using snowball payments to get out of debt.


Military Serviceperson Holding Cash

Proof for a Military DiscountGetting your military discount when you can is important because it can save you a lot of money over time. Be sure to bring proof for a military discount if you are entitled to it.


A cashier refunding cash to a customer.

Understanding Price Adjustment PoliciesThis is a page about understanding price adjustment policies. Sometimes after you purchase an item, you find it for less somewhere else. Many stores have price adjustment policies, where they will match the lesser price and refund you the difference.


Teen with Mother Working on Family Budget

Teaching a Teen to Budget?Budgeting is often difficult for many of us. We want to buy new things and have fun. Learning to budget as a teen is a good time to develop lifelong practices. This is a page about teaching a teen to budget.


Photo of a savings plan.

IRA Alternatives?A brokerage firm or bank may have good advice on the safest place to have your retirement funds invested. This is a page about IRA alternatives.


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A pile of money with a face mask.

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.


A smiling woman sitting in a restaurant booth.

Why a Budget is Like a ShowerI recently read an article from Readers Digest about a writer who decided he and his wife and son should try and not spend any money for a month. Of course the essentials were covered like mortgage and car payments/insurance and the like, but newspapers, videos, lattes, etc were cut. essay.


Getting Out of Debt, Picture of a woman cutting a credit card.

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.


A woman with a coffee cup and a computer monitor behind her.

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.


A dog walker, walking dogs to earn extra money.

Earning Extra IncomeThere are many ways that you can earn income over and above your regular job. On-line sales and part time jobs for friends and neighbors are options. This is a page about earning extra income.


A woman working from home.

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.


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Finding Part Time Work?I'm a single mom of soon to be 3 year old twin girls. Their birthday is Jan. 8. But we are not celebrating until Saturday. I have been trying to find something to make just a little extra money so I can get them something and I haven't had any luck. Any info would be greatly appreciated.


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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?


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Tips for Living on Social Security?How do seniors that live on Social Security only live on a tight budget? What are some ideas to stretch your dollar?


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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?


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Asking For Contribution Toward Household Costs?In my divorce 4 years ago, I retained possession of the house with the understanding that I continue to pay the full mortgage, and when our youngest child graduates (She's a junior this year) I prep and sell it with the majority of proceeds going to me.


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Cleaning Charge for Airbnb?I am starting a cleaning service and my first client wants me to clean their Airbnbs when a guest leaves and do the laundry such as the sheets and towels. They also wants me to restock the houses. They will have one central location for supplies where they keep their supplies. I can take the laundry home and do it myself or I can take it to a service and do a drop-off and pick-up. I live in North Alabama, so how much do you think I should charge for each job?


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