Best Ways to Save Money

    The Best Way to Save Money on Groceries

    The Best Way to Save Money on Groceries

    While there isn't much you can do about lowering your rent or the price of gas, you can lower your grocery bill with a bit of planning. Brand flexibility, eating what you buy, ...

    Best Way to Save Money on Utilities

    Best Way to Save Money on Utilities

    Utilities can be a big part of your monthly budget and can fluctuate wildly during the heating and cooling seasons. If you’ve just opened the gas or electric bill and are ...

    Best Ways to Save Money on Food

    Best Ways to Save Money on Food

    How many times have you left the grocery store only to retreat to your car and analyze the receipt, trying to figure out how you spent so much money? Chances are you weren’t ...

    How to Understand the Debt Market

    How to Understand the Debt Market

    There are two basic types of investment markets: the equity market and debt market. Equity securities are things you own, such as stocks or real estate. Debt instruments involve ...

    More Best Ways to Save Money Picks

    The Best Way to Do Your Own Taxes

    When it comes to taxes, you should not have too much trouble taking matters into your own hands, particularly if you don't have a very complicated financial situation. You ...

    Ways to Save Money at Lunchtime

    Skipping lunch is an effective way to save money, but it’s also a good way to lose your job if your boss finds you slumped over your desk in the afternoon, depleted of ...

    Frugal Ways to Save Heat with Insulated Drapes

    "Frugal" is a polite term for "cheap," but when it comes to giving cash to the utility company, most people agree that cheap is a good thing. Window coverings ...

    The Best Ways to Go About Paying a Judgment

    Getting hitched isn't all honeymoons and romance. Marriage also increases your debt obligations and monthly expenditures. Failure to pay those obligations means your creditors can ...

    Basic Ways to Save Money by Rounding Up

    Establishing good money management early in a relationship is key to a successful financial future. Building emergency and retirement savings is challenging when you are starting ...

    What Determines Shortage of Escrow?

    You make your house payments in full and on time every month, but suddenly you get a notice your escrow account is short. How did that happen? An escrow account is a sort of ...

    Ways to Save Money in a Hurry

    You may be a careful spender who lives within your means and stays out of debt. But a financial emergency, such as you or a spouse - or both -- losing your jobs, may throw all ...

    What Makes a House More Valuable for Appraisal?

    Because the house appraisal industry now operates under tightened regulations in the form of the Home Valuation Code of Conduct, real estate appraisers tend to give more ...

    The Best Ways to Follow a Budget

    The road to financial hell is paved with good intentions -- including budgets. It’s not enough to create a solid budget, even if it’s completely accurate and takes ...

    5 Ways to Save on Construction

    Whether you are undertaking a complete renovation or a small construction project for home improvement, construction costs have a tendency to really add up. Doing your homework ...

    What Happens If You Don't Pay Your State Taxes?

    Whether it's your newly combined marital income or you just got lucky on your honeymoon in Vegas, somehow, when you finished your taxes, you discovered you owed the state money. ...

    How to Talk to a Husband About Money

    Couples who fight more often over finances are 30 percent more likely to get divorced than married partners who fight less frequently due to finances, according to a 2009 Utah ...

    Tax Valuation vs. Market Value

    Before you purchase a home, it is important to understand how real estate values are assessed for local tax purposes. This assessment, and the tax rate in your locality, will ...

    How to Build Your Net Worth in Five Years

    Your financial stability as newlyweds rests on acquiring wealth and minimizing debts. Your total net worth subtracts your liabilities from your assets. Accumulating wealth takes ...

    The Best Ways to Pull Out of a Financial Bind

    Your finances affect your life in serious ways. Poor financial health means your credit score dips and you might pay more for your home and car insurance and additional interest ...

    When Is an Escrow Account Necessary?

    When you purchase a home, you have other required payments to make beyond paying off the mortgage. Your lender requires that you maintain hazard insurance, which protects its ...

    Reasons to Use a Tax Professional

    Using a tax professional to do your taxes may save you cash, time and frustration. A tax professional is a person who is paid to do income taxes for other people. Not all people ...

    The Best Way to Rent to Own

    Purchasing a home with a rent-to-own contract is an alternative to the standard home purchase. You sign a contract with the homeowner that details the terms of the rent-to-own ...

    The Most Effective Way to Save for a Home

    Owning your own home can be a dream or a daydream, depending on how you plan for it. Saving money without knowing exact amounts you’ll need and a timeline for reaching your ...

    How to Make Your Saved Cash Grow

    You've earned your money and followed a strict budget. Now you've got a bit of cash saved up. As of 2012, savings and money market accounts are returning around 1 to 2 percent -- ...

    Best Ways to Stay Out of Debt

    While some debt, such as a home mortgage, can actually offer tax benefits, debt in general is costly and can be dangerous to your financial health. If you let your debts get out ...

    Best Way to Avoid Taxes With Real Estate Flipping

    You might know the Mark Twain saying, “Invest in land, they aren’t making it anymore.” Twain was commenting on one of the fundamental reasons to invest in real ...

    How to Remove & Retile a Bathroom on a Budget

    If you finally found the perfect starter that comes with one simple catch -- ugly, dated, pastel tile in the bathroom -- don't despair. Tile doesn't have to be permanent and it ...

    How to Best Leverage Your Rental Income

    If you're in the market to purchase properties and make extra cash, or perhaps you're thinking about renting properties as your sole income, it's safe to bet you want to make the ...

    Securing Your Tangible Assets & Valuable Materials

    Tangible assets consist of anything you can touch. This wide category includes valuables such as art, antiques, jewelry, collectibles, cars and boats, along with cash, real ...

    The Best Way for Couples to Divide Money

    Money is the No. 1 reason couples say they fight, according to financial news service Bloomberg. It is also one of the top reasons couples divorce. Although money is often a ...

    The Different Ways to Start Saving for My Kid's College

    Once kids start to arrive, your thoughts should turn to financing their college educations -- even though this stage is years away -- because you can never start saving for ...

    What Happens If My W2 Is Incorrect?

    So you think you're going to be a good little boy and get those taxes in early. But when the W-2 from your employer finally comes, you notice that some of the information is ...

    Cheap Ideas for Sound Absorption in a Home Recording Studio

    Isolating your home studio from noise and internal echos is critical for making professional-sounding recordings. Acoustic panels built for this purpose can be pricey. ...

    Can I Avoid Paying 20% for a Downpayment?

    A down payment is the biggest hurdle for first-time home buyers. Most conventional loans require 20 percent down — that's $40,000 on a $200,000 house and a lot to save up. ...

    The Best Way to Withdraw TSP Funds

    As a federal employee, you should be aware of the different withdrawal options available to you under your Thrift Savings Plan. Thrift Savings Plans were established for federal ...

    How to Make Compounding Work in Long Term Savings

    Understanding how compound interest works is important for beginning investors. A simple yet powerful investment tool, compounding begins when you put money into investments that ...

    The Best Way to Spend Money to Earn Credit Card Rewards

    The average household participating in a rewards program earns $622 annually in rewards, according to Bankrate.com, but redeems only two-thirds of the total reward balance. This ...

    Ways to Save Money on Bridal Headpieces

    When it comes time to plan the tiny details of your wedding, it often feels like you are being nickeled and dimed straight over your budget. Even the dress isn't just a dress; ...

    The Best Way to Check House Prices in Your Area

    Many Americans have a sizable amount of their personal wealth tied up in residential real estate. Homeowners like to know the worth of a house to help in estate planning and ...

    8 Rules of Thumb for Saving for Retirement

    Everyone is different, but there are some general guidelines that apply to almost everyone when it comes to saving for retirement. One thing for sure – the younger you start ...

    The Best Ways to Keep Track of Net Worth

    Making financial progress involves keeping track of your net worth. Tracking your net worth can give you a much-needed reality check. It allows you to see if you are actually ...

    Ideas for Beautiful Wedding Decorations & Gifts on a Small Budget

    Your dreams can sometimes outrun your budget when you're planning a wedding. You might think having a beautiful wedding is impossible on a small budget, but ,with a little ...

    The Cheapest Ways of Building Pavestone Pathways

    Pavestone is a budget-friendly material that is useful for building pathways and adjoining patios. These hard-surface landscape materials come in many shapes, colors and sizes. ...

    What Are Self Build Home Kits?

    When you’re just starting out, you might think a home of your own is part of a future that’s far away. That’s not the case, though, if you’re willing to do ...

    Remedies for Breaching a Mortgage Contract

    Breaching a mortgage contract can cause you emotional stress in addition to financial burden. When faced with the prospect of losing your house, you may find yourself unsure of ...

    8 Ways to Save Money on Wedding Favors

    If you’re like many couples these days, chances are you’re footing the bill for your wedding, or at least a good portion of the expenses. Even if you have parents ...

    What Are the Best Ways to Organize House Files?

    The simplest and most efficient way to keep your household paperwork in order is to digitize your documents. You don't need to spend money on a purpose-built solution to do this. ...

    What Is the Difference Between a Living Will & an Advance Directive?

    Young people and their aging parents must think seriously about end-of-life issues, difficult as that may be. Along with a will and a financial power of attorney, everyone should ...

    How to Get Your Tax Value Dropped on Your House

    When you own a house, you pay property tax on it to your county, city, school district and possibly other bodies. If the tax assessor sets the wrong value on your home, that can ...

    The Best Way to Exchange Money in Europe

    All of the 27 European Union member states use a single currency, the Euro. The countries that exist outside of the union still use individual currencies like the Swiss franc or ...

    How Do I Figure How Much Taxes I Owe?

    Households must deal with tax time each year. Basically, you owe a percentage of your income, but it isn’t quite as simple as that. You are allowed to reduce your taxable ...

    Exchanging Currencies

    Whether traveling abroad, investing in a foreign country or attempting to take advantage of a favorable rate, Americans often find the need to exchange currencies, converting U.S. ...

    How to Add Another Person to the Title of a Home Mortgage in Massachusetts

    Most mortgage loans have repayment terms of 15 to 30 years. During this time you might experience a life-changing event, such as a marriage, that causes you to want to add another ...

    How to Add Someone to a Mortgage Deed in Florida

    When you take out a home mortgage loan it's a long-term commitment lasting anywhere from 15 to 30 years on average. Over this time a life changing event -- like a marriage -- ...

    Ways Homemakers Can Save Money

    Making ends meet on one income can be tough. Little purchases add up, and you need backup funds in case of emergencies. With a bit of research and organization, you can start ...

    Ways to Save Money on a Bathroom Remodel

    Along with the kitchen, the bathroom is one of the most popular spaces to remodel in a home. If your bathroom makes you cringe each time you walk into it, it might be time to give ...

    What Are Some Ways to Save & Store Your Personal Financial Information?

    When it comes to your personal financial information, it's better to put in the work to keep it safe and secure rather than deal with the hassles of its theft or loss. You can ...

    Deferred Tax Assets and Tangible Common Equity

    Banks are supposed to be safe. The Federal Deposit Insurance Corporation insures bank deposits for that very reason. Federal regulators constantly evaluate banks’ capital ...

    How to Decrease Taxes for Middle-Class Couples

    Middle-class couples can reduce their taxes through two primary ways: credits or deductions. Credits include one for having a child, one for adopting a child, and two for ...

    Fastest Ways to Save for Retirement

    Saving for retirement is important; the U.S. Department of Labor estimates that the average American will be retired for 20 years. The department suggests that to prepare, you ...

    The Best Ways to Stay Out of Debt During the Holiday Season

    If the holidays blow out your budget, you're not alone. The average consumer spent nearly $750 on seasonal buys like gifts, greeting cards and decorations in 2012, according to ...

    How to Retire at 60

    Early retirement allows you to travel, explore hobbies and pamper your grandchildren for a longer period of time. Many couples plan a retirement date with Social Security in mind, ...

    The Best Time to Buy Household Goods

    The best time to purchase household goods is when you have the money. After that, it's when an item is on sale. The best time of all, however, is when the stars align in your ...

    The Best Ways to Build Wealth Quickly

    If you want to retire wealthy or just increase your net worth, there are investments that can help you build your wealth quickly. These investments use the power of leverage to ...

    How to Save the Most Electricity When You Do Laundry

    Doing laundry in an automatic washer and dryer uses water, electricity and, in some cases, natural gas. Laundry accounts for about 5 percent of the total electricity used in the ...

    Waste Composting Systems

    Making your own compost saves money and prevents usable waste from further burdening our landfills. The U.S. Environmental Protection Agency considers composting an important ...

    Fertilizing Grapes With Compost

    Compost does some of the same work that fertilizer does, at a reduced cost. In addition, organic matter contains nutrients that are sometimes missing in synthetic fertilizers. ...

    Energy-Efficient Home Heating Systems

    U.S. households spend more of their energy budget on heating than any other expense. According to the Energy Star program, heating costs make up 29 percent of the average energy ...

    Small Ways to Save Big Money

    One rule of thumb for savings is that you need to have eight times your annual income at the time you retire saved. That means that if you're making $75,000 per year at the time ...

    How to Avoid a Bidding War When You're Buying a House

    The last thing you want as a home buyer is to enter a bidding war. Sellers love bidding wars, or multiple-offer deals, because they drive prices upward. To avoid competing against ...

    The Best Way to Keep Cash Safe

    Whether you like to keep cash around the house for spending or emergency purposes, knowing where to hide it is important. Keeping cash around the house brings its own challenges ...

    A Homeowner's Right to Cancel a Sale

    Usually, buying a house is a relatively simple process where everyone works together. Sometimes, though, you end up stuck with a seller who decides not to sell. If you're trying ...

    The Best Way to Use Your Reward Miles

    Depending on who you ask, frequent flyer reward miles and hotel reward points are either worthless since you can't cash them in or are tools that you can use to save hundreds or ...

    When Is It Best to Redeem Miles Plus Rewards for Travel?

    Some travelers burn their way through airline reward program miles as fast as they can, earning miles that they then quickly redeem for free flights or non-travel rewards. Others ...

    Can a Co-Owner of Real Property Rent Without the Others' Permission?

    Co-owning a house is easier on the wallet than buying alone -- but it can make it a lot harder deciding what to do with the house. When two or more people own real estate ...

    How to Appraise a Value on a Property Easement

    An easement is an encumbrance on the title to real property that grants the right to use the property but no ownership interest. Easements may be granted to a specific party or ...

    Deferred Retirement Benefits

    While retirement might seem like it's a long way off, it's never too soon to start planning for it. Taking advantage of tax-deferred plans can give you more money to withdraw when ...