Saving Money

Simple means to saving money

If the ongoing recession has taught people anything, it's the need for saving money. Many people were caught off guard by the recession, and studies have shown just how little men and women had saved before the bottom fell out on the economy.

In a 2011 poll from the National Foundation for Credit Counseling, 64 percent of respondents admitted they would not be able to rely on their savings account if a $1,000 unplanned expense suddenly popped up. And the problem of not saving enough is not exclusive to Americans. A 2011 survey from the Canadian Payroll Association indicated that 57 percent of the nearly 2,100 respondents admitted they would be in financial trouble if their pay was delayed by just one week, while 40 percent expect to delay their retirement due to lack of savings.
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Buying a home? Avoid these mistakes

The dream of home ownership is one that lives on in spite of the global economic struggles. The process of buying a home can be an emotional roller coaster ride, with feelings of excitement mixed in with exhaustion, fear and uncertainty.

Over the last several years, the real estate market has been turned upside down, and many prospective buyers have begun to question some of the conventional wisdom associated with buying a home. While such skepticism might be a healthy attitude in the current market, prospective buyers -- particularly those who have never purchased a home before -- should avoid the following mistakes that buyers make regardless of whether the market is up or down.
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How to control online spending

Buying online is a convenient way to make any number of purchases. Nowadays, shoppers can purchase everything from books to boats online, making it easier than ever before for consumers to connect with their favorite retailers.

But the convenience of online shopping also makes it easy to overspend. When shopping online, consider the following tips that should help curtail spending.
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10 ways to clothe kids for less

A child goes through approximately eight clothing size changes in the first two years of life. As he or she continues to grow, it's not unlikely to see clothing sizes increase every 6 to 12 months, and then annually once the child enters school. It can be an expensive venture to clothe a child, and many parents express frustration about having to frequently shop for children's clothing.

So what can a parent who is looking to keep expenses down on kids clothes do? Here are 10 ways to scale back and keep kids fully clothed.
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Learn the Basics of Home Warranties

Buying a home is arguably one of the largest purchases a person will make. It can also be one of the most stressful. Individuals take quite a financial leap when buying a home. Even after careful consideration of funds and budgeting, it's easy to become overextended. A home warranty can take some of the bite out of unexpected expenses.
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How to beat luggage fees

Most airlines today charge some sort of baggage fee. Whereas suitcases and other cargo were once included in the price of the ticket, and only cost extra to bring aboard if they were oversized, airlines looking to offset the rising cost of fuel have established new charges for passengers. Some of these charges include various fees and surcharges, including baggage fees.
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