money sectionmoney section
Burlap drapes add to decor that is shabby chic, primitive, country or eco-friendly. The familiar loose-weave fabric, often associated with potatoes and coffee, has the reputation of being cheap, plentiful and readily accessible. Whether you want to transform discarded burlap bags or plan to purchase the fabric by the yard, it's a simple drape solution.
Maybe it was Kennebunkport’s coastal charm, the shore vibe of Old Orchard Beach, the historic charisma of Bangor or the outdoorsy ruggedness of the Moose River Valleys that made you fall in love with the 23rd state. But now that the suitcases are unpacked and you have settled into the usual routine, those Maine vacation memories linger, making you long for those scenic days and placid nights. Just because you left Maine, however, doesn’t mean you can’t have a piece of it at home with you.
Addition is a fundamental skill of arithmetic. It is one of the first concepts taught to children at home and school. Small children often find it difficult to grasp this concept properly when taught only through textbooks. A few simple activities, involving devices and small objects, help them to visualize addition and comprehend it properly. Also, arithmetic requires constant practice and activities are a good way to make them rehearse addition over and over again.
The advantages you can gain by refinancing your mortgage vary according to the type of mortgage you have, your credit history and the amount of equity you own in your house. Those with good credit who have been making regular payments have the most options, but even if you have less-than-stellar credit or a spotty payment history, or you're facing foreclosure, you can still get help under certain circumstances.
The 1971 and 1994 earthquakes in Los Angeles occurred in the early morning hours before most people got out of bed to begin their workday; this timing saved many lives. You can't control when an earthquake strikes, but you can prepare your home to minimize or prevent injuries to yourself and your family. You can also minimize damage to your personal property. Knowing just two ways to make your home earthquake safe can make a difference.
Winter is an expensive time of year for many people. When the temperature drops, heat isn't optional -- without it you can get sick and your pipes can freeze. However, you can stay warm and save on heating bills at the same time if you winterize your home to eliminate drafts and other sources of cold air.
For decades, California has been among the most expensive areas to live in the United States. A combination of financial issues, however, has turned it into one of the leading spots for foreclosures, meaning some areas are becoming more budget-friendly. Though many of the larger cities -- Los Angeles, San Francisco and San Diego -- are still high-priced, many smaller towns and suburbs are more financially accessible to families.
A registered retirement savings plan, or RRSP, is a tax-sheltered investment vehicle for Canadian taxpayers. Stocks, bonds, mutual funds and other investments grow tax-free within an RRSP. Taxpayers can also use the contributions to reduce their income taxes for the year. Investors can open an RRSP account at most financial institutions, including online brokerages operating in Canada.
Selling a property can take several weeks or months, and receiving an offer from a homebuyer can induce excitement. But with every offer, potential homebuyers may request specific items from a home seller. As the home seller, you can reject a buyer's offer for the property or negotiate and submit a counteroffer.
A forbearance agreement can be a useful process for a debtor when she is behind in mortgage payments and the lender has initiated foreclosure proceedings. It allows a debtor time to rearrange her personal finances to again make mortgage payments on time. If the debtor defaults on the forbearance agreement, the lender can start the foreclosure process where it left off.
Hard money lenders are strict when it comes to lending. Unlike traditional banks -- which use credit and affordability as measures of lending -- hard money lenders use real estate and hard property as collateral in backing loans. Borrowers approaching private banks -- or hard money lenders -- often do so when they have exhausted borrowing options at other institutions. Borrowers using hard money lenders tend to have a poor credit history. Refinancing with a hard money lender can be done if you do your homework and work closely with the broker.
A career in the competitive field of wildlife photography has no set educational path. Frans Lanting holds a master's degree in environmental economics. Thomas D. Mangelsen earned a bachelor's degree in biology and did postgraduate study in zoology and wildlife biology. Art Wolfe received bachelor's degrees in fine arts and art education. These award-winning wildlife photographers all majored in non-photography disciplines, but took courses in photography. Prospective wildlife photographers can choose from certificates, two- and four-year degree programs and specialty courses to hone their technical skills.
With the advent of online publications as well as advances in digital technology, never has an amateur photographer had greater opportunity to get his work published. You can become a published photographer by selling your images for use in a book, newspaper, magazine or other publication. You can even sell your photos for online use. Selling your photos is an activity that you can do on your own. The amount you can earn from being a published photographer varies by publication.
A career in food photography lets you use your knowledge of light, cameras, positioning and food to create gorgeous images of pies, roasts and any other kind of food you can imagine. A magazine job as a food photographer would require you to work with a team of artists and editors to show food to its best advantage. Food photography jobs are highly competitive and coveted. Prepare the best resume, full of education and experience, to help you acquire the position.
Refinancing your home can decrease the interest rate on your mortgage. This will decrease your monthly payments and decrease the amount you owe on the loan. Refinancing also allows homeowners to access the equity of their homes' value. This means that they can refinance their mortgage to get out cash to either maintain or update the property, pay for children's college tuition or take care of other necessary expenses. To qualify to refinance your home at the lowest interest rate possible, thus decreasing your monthly mortgage payment to the lowest possible amount, you must take into account your credit score,…
According to a story in the "Kansas City Star," the largest newspaper in Kansas, the average funeral cost is $10,000. That's about how much a local family profiled in the newspaper had to pay when their mother died, and the shock of needing to come up with that cash added stress to their time of grief. Shopping around at various homes and preplanning for funeral costs will help you deal with the high price tag. Note that all prices were valid at the time of publication.
As a homeowner, choosing the right time to sell can be difficult. If you are considering selling your house, another option to evaluate is renovating your home instead. Some homeowners would prefer to take money out of the equity of their home and update it instead of moving to a new home.
Borrowers who wish to take advantage of the Obama Administration's Making Home Affordable mortgage relief program may find an unintended consequence: a hit to their credit scores. However, many factors affect the severity of the impact, and it is possible to improve your score over time. If you're struggling with your mortgage, don't let possible damage to your credit score stop you from considering these options.
Home ownership provides a variety of tax and economic benefits that are not available to those who rent. While real estate is often a tremendous investment, there are methods that allow potential home buyers to own their homes faster and more economically than when purchased through a conventional mortgage. Purchasing a home through these alternative methods often can save the buyer thousands of dollars in the long run.
Portrait photographers capture images of people for a variety of occasions, including graduation and proms, family reunions, and baby pictures. Typically, portrait photographers work for studios or themselves and seldom work freelance, though they may shoot photos on location. Portrait photographers' salaries can be low and varied depending upon title and experience.
Whether you're a college student, a newlywed or downsizing from a larger nest, it doesn't take a lot of money to transform your apartment into a space that is both stylish and functional. Nor do you have to purchase everything all at once. Some of the best budget ideas for an apartment are those that can comfortably evolve over time as a reflection of your changing interests and personal needs.
Big cities are known to be prohibitively expensive to live in with high living expenses and high prices for housing. There are some big cities, however, that have very reasonable living expenses. These cities have all the fabulous benefits of the big city, with massive job opportunities and entertainment offerings, without the expenses that will keep you away.
A budget is a powerful personal finance tool that can help you view all your bills and expenses, determine how much money to allocate to savings and pay down debt, and assist you in paying your bills on time and in full. One way to create an efficient budget is to organize it in a way that allows you to find the information you need. There are several budget organizing ideas you can try to help you keep your finances straight and your bills paid.
A career as a photographer is ideal for individuals with both artistic inclinations and technical expertise. Modern photographers typically use digital cameras and may need to be proficient in photo editing software, depending on their job. The salary you can expect if you work as a photographer will depend largely on whether you do freelance or contracted work, your level of experience and education and your location.
Whether you live in a studio apartment or a sprawling mansion, decorating can make all the difference. In fact, it's decorating that makes an apartment more than an apartment; it makes an apartment a home. However, decorating even the smallest spaces can quickly get expensive. To make your apartment look like a million bucks while spending considerably less, use some creativity and innovation to achieve the look you want without the debt you don't.
While the U.S. Bureau of Labor Statistics notes that employment in the photography field is expected to remain average through 2018, it specifically cites portrait photography as a growing area, in part due to an expanding population. With a total of 12 percent growth and 17,500 jobs added to the photography field overall, snap-happy lens people will find a variety of ways to get their salaries "in focus."
Homeowners in temporary desperate financial straits can halt the foreclosure process and save their credit by taking advantage of forbearance. With mortgage forbearance, a mortgage lender holds back on the foreclosure of a property due to late loan payments in order to accommodate a borrower's temporary hardship. Most homeowners can take advantage of a mortgage forbearance as long as the bank believes that the borrower can make good on future promises of payment.
Placing calls to destinations outside the United States is expensive, and calling colleagues, friends or relatives in Italy is no exception. Even the cheapest long distance calling rates quickly add up when calling Italy. Although making a free call to Italy may not always be possible, there are services that allow you to make occasional short-duration Internet phone calls to Italy at no charge. You won't be able to talk long because of time restrictions, but you can make quick calls to Italy to convey important information or briefly make arrangements.
Although the fact is rather grim, every person eventually has to face death. Many people plan their funerals ahead of time as part of estate planning, but unfortunately, not everyone can afford to pay for even a basic funeral. In some cases, you may need to get financial help to cover funeral expenses.
Finding ways to stay at home and make money is difficult. Product testing is one way to spend your time at home productively and end up making a few extra dollars on the side. Along with earning a slight fee for your time with the product, you can usually end up keeping the products you take home to test. Corporate product testers are a definite need, and the Internet gives companies the opportunity to advertise for people to use their products and help refine their development.
Income from multiple sources prevents financial disaster if your hours are cut back or you are laid off. Even if your current job is secure, an emergency expense, such as transmission trouble, storm damage to your home or a visit to the emergency room for a sports injury can leave you reeling from debt. Treat yourself like a corporation and diversify your income streams with a variety of creative fundraisers.
If you have children to look after or have a long-term illness, working a regular office job may not be possible. Assembling products from the comfort of your living room offers flexible working hours and pre-arranged rates of pay, allowing you to work around your other time commitments. You can assemble a variety of products, ranging from children's toys to decorative boxes.
When a death creates a set of circumstances that leaves the family in need of financial assistance to help pay for final arrangements, it's time to step up to the plate. Writing a check is the easiest way to ease the burden, but there are other ways to be helpful that you may not have thought about. The concern and comfort you offer will help friends and family cope with their loss, but the financial relief offered to the bereaved family is the stuff of which good Samaritans are made.
Moving into your first apartment is a milestone you will never forget. When you move into that first studio apartment, you have total control over your decor and your surroundings. With a little bit of imagination you can turn even the most humble abode into a work of art, no matter how limited your budget. Creativity is the key.
If you are unable to qualify for a traditional mortgage, you might feel discouraged and decide to rent forever. While many people take this route, this is not necessarily your only option. You could pursue alternative means of obtaining a mortgage to purchase the house of your dreams.
Photographers capture images used to tell stores, sell products and remember important events. While amateur photographers are a dime a dozen, true professional photographers are highly trained individuals with advanced creative and technical skills. In addition to learning how to operate cameras and other equipment, photographers must learn other aspects of the industry such as graphic design, self-promotion and photo editing.
A home is one of the most expensive purchases most people will ever make. Saving up for a down payment can take years. Beyond looking for loose change in the couch, alternatives for obtaining the necessary down payment exist. In Canada, a program called the Home Buyers' Plan allows citizens to take money from their Registered Retirement Savings Plan (RRSP), use it toward the down payment on a house and pay it back over time.
There are two ways to deal with an expensive mortgage loan. You can refinance the mortgage and acquire a better rate and payment, or ask your mortgage lender to modify your mortgage if you can't qualify for a refinance. A refinance involves applying and qualifying for a brand new mortgage loan. With a modification, you can get the same results without applying for a new home loan. However, not everyone meets the qualifications for a modification.
Buying products that have rebates attached is a great way to get the products you want and need at very reasonable prices. If you are a savvy shopper and an experienced rebate buyer, you can even use those rebates to make some extra money. The key is to buy products in demand and search for rebates that make those products free or nearly free.
Rebates are monetary incentives offered by commercial businesses and governments when consumers purchase a product. For example, an electronics retailer might offer a rebate on a laptop computer purchase as an incentive to the buyer. The Canadian government occasionally offers rebates in the form of tax credits that people can claim on their annual tax return. The most important thing to keep in mind when it comes to rebates is that it is entirely up to the consumer to follow through and process their rebate in order to reap the financial benefit.
Eliminating your monthly phone bill can be done, but chances are that you will have to pay something if you want to replace your regular telephone service and still be able to make and receive calls. Companies that advertise that you can eliminate monthly phone bills usually require you to have a broadband Internet connection in order for the company's service to work. With these alternative phone systems, you'll typically pay one-time fees upfront for equipment or a yearly subscription, but then pay nothing on a monthly basis.
Portrait photography can offer a wide range of income and career opportunities for professional photographers. Either as a career focus or as a way to earn additional income, portrait photography is always in high demand with schools, sports teams, families and performers. Portrait photography also offers the flexibility of working in a studio or various outdoor locations.
While it is important for children to learn the responsibility of holding down a job and saving money for such things as cell phones or MP3 players, 12-year-olds aren't old enough to get a work permit. Fortunately, there are other ways a 12-year-old can earn a few dollars to purchase the latest Wii game, or save up for a car when it comes time.
If you are strapped for cash or want to start making extra money on the side to pay off some bills, put your current skills and interests to good use by marketing what you do best. Whether your abilities are artistic in nature or not, finding projects to do at home to make extra money is as simple as taking inventory of your own talents.
Being unable to afford your current home mortgage payment is a terrible feeling, and if you don't find a quick solution, you may default on your loan and your lender may foreclose on the property. Fortunately, there are ways to make your mortgage payment more affordable. Speaking with a mortgage lender and refinancing your current loan can help you acquire a better interest rate and terms. A lower rate on your mortgage is key to affordability.
Going through divorce is often a painful and time-consuming experience. You have to make a number of serious financial decisions between your and your former spouse, and deciding who takes over the home and house payments is one of them. Abandoning your home is an option, but it can be very risky when you consider the damage it can cause to your credit score and financial status.
Home phone service has been dramatically revolutionized with the arrival of low-cost entrants into the market. Traditional home phone service received via external telephone wire has been dealt a blow from competitors in the Voice Over Internet Protocol (VOIP) segment of home phone service providers. Additional providers offer service in a variety of innovative ways that enable the provider to offer low cost, high quality service.
Creating a home budget chart can help families keep track of incoming and outgoing funds on a monthly basis. Financial crisis can happen unexpectedly in any family if a job loss or sudden illness occurs, but families commonly find themselves slowly sinking into debt due to overspending. A credit card purchase here and there can slowly add up to a mounting financial problem. Tracking expenses and controlling purchases on a regular basis can help families ensure they stay on budget and even put away funds for emergency situations.
Receiving an offer on a house you are selling is exciting. You might think the deal is done and the closing date is just around the corner. But the offer might not be what you were expecting. Some terms might seem unreasonable or might not work for you. If that's the case, you have to submit a counteroffer with terms you prefer.
As if losing a friend or relative wasn't painful enough, trying to figure out how to pay for the expense of a funeral can feel like yet another kick in the stomach. While it would be ideal if we had all of these plans made ahead of time, it's something no one likes to think about, let alone plan for.
Retirement is a dream for many people, but those retirement years do not always turn out the way you expect. Retirement can have its own drawbacks, and workers who are contemplating an early departure from work should think things over carefully before making a final decision.
For those who love old houses, finding one and restoring it to its former glory is almost irresistible. Finding homes that need renovating isn't usually a problem, especially if you are looking in a historical downtown area. Finding a property to renovate that won't become a money pit is another issue. Just because it looks good on the outside, it doesn't mean you won't end up spending a lot to get it back in working order. Being honest with yourself about your own financial capabilities is the first step to finding a property to renovate.
The safest place to keep your money is in a bank. Failing that, a safe bolted securely to the ground may keep your money from being stolen. However, if these two options aren't possible and you must hide your money in your home, there are several different approaches you can consider.
Selling insurance from home can be convenient and rewarding. The attraction of working at home as an insurance salesperson could certainly be from the opportunity to make money while wearing your pajamas. Selling insurance can provide you with the satisfaction of knowing that you help individuals and families obtain coverage that protects them in the event of a loss.
When you apply for a mortgage to buy or build a new home, the bank will usually require you to pay for a certain percentage of the price up front, called a down payment. In Canada, you can withdraw money from your registered retirement savings plan (RRSP) under certain conditions in order to use it for a down payment. This program, is called the Home Buyers' Plan (HBP), is available to first-time home buyers who are residents of Canada and intend to make the purchased homes their primary residences. The program also is available to buy or build homes for…
Everyone can use a little extra money from time to time. There are many scams that promise to help us "get rich quick" by buying and following their programs, but there are just as many other, relatively simple, ways we can make money from home without investing any money. Following are half a dozen examples.
Many times, a family or individual needs a little extra money to repay a debt or to simply have more spending money. By implementing a few simple strategies, anyone can generate a little extra income from home. Each individual has their own skill set, which can be used to generate extra income in other ways, as well.
Whenever you buy home insurance, make sure you have adequate coverage for your personal possessions. Most homeowners obtain insurance covering between 50 and 75 percent of their household contents. Here are some tips on how to list your home's contents in a manner that would satisfy most insurance companies in the event that you needed to file a future claim.
Staying with your current phone company to keep your phone number, can be costly and downright upsetting, especially if you are unhappy with your service. Sometimes switching the service may be tricky as well. However, there are several ways you can keep your number and keep the cost down.
Sometimes there are occasions when friends or family members are in need of a monetary loan and they come to you for the cash. Financial MSN columnist Liz Pulliam Weston advises people who are in this situation to make it a personal policy to not lend money to friends or family because of the strains it places on relationship. But many people find it hard to deny a request from family and friends in need. When this is the case, a contract (or promissory note) should be drafted and signed by both parties to ensure that all debts are paid…
A purchase money loan, also known as a seller financed mortgage, is essentially a private home loan between the buyer and seller of a home. The money borrowed by the buyer is loaned by the seller. In other words, the person who buys the home would pay back the outstanding mortgage to the seller of the home. It often serves as an alternative to traditional mortgage financing through a bank.
Cost is an important factor to consider when searching for a city in which to live or do business. Whether you're a recent graduate looking for her first place to call home or a senior searching for the perfect place to retire, knowing which cities in the United States are affordable can help you make an informed decision about where to live.
When going through a divorce, you'll have to divide the debt you incurred during marriage as well as the property your purchased together. Dividing up debt from marriage is often stressful, particularly if one member of the couple primarily benefited from the debt--such as student loans--or if one person will have a more difficult time repaying the debt. Despite this, you need to work together to fairly divide marriage debt.
Clipping coupons is a great way to save money not only on the family food bill, but also on other purchases. There are coupons in many different publications that will help you save money on food, gas, services for your home or car, and eyeglasses for the family. When you set out to go shopping, you will want to have easy access to your coupons, and the best way to organize your coupon holder is to label it properly.
If you are planning to sell your home and are willing to allow potential buyers to finance the purchase of this home through the Federal Housing Administration it must meet all FHA requirements. If after inspection your home does not meet these requirements FHA will not approve this purchase. The lengthy process of obtaining an FHA loan will result in a complete waste of your time and the time of your potential buyer. These inspections can be costly for potential buyers and within this process if they are denied they also will lose any earnest money they have invested. The…
As we continue to struggle with a recession and a tough economy, more and more people are searching for ways to make money from home or online. Learn a few techniques for using the internet to make some fast cash from home.
There are legitimate ways to make money at home for free. If you are a stay at home parent, unemployed, a full-time student, or someone who just needs to boost your income, you can make a steady monthly income without any investment and without leaving your home. This can be done online. However, it may not always be easy to filter through the opportunities that are legitimate as opposed to the ones that are not. With legitimate sources and some extra time, you could earn anywhere from a few dollars to hundreds of dollars each month.
Ordinary people can negotiate mortgage forbearance agreements without the assistance of a lawyer. This may come as a relief to individuals going through the financial and emotional stress of the preforeclosure process. You must, however, apply for foreclosure forbearance before the lender actually forecloses on the mortgage. Foreclosure begins after a homeowner becomes 90 days late or more on a mortgage payment. A foreclosure forbearance agreement is a negotiated payment plan that may reduce the balance and interest rate of a mortgage while at least delaying the process of foreclosure.
The best way to borrow money to buy a second home is to use the equity that you have gained on your first home against what you will be borrowing. It's important to know how this works and what the risks and benefits are to using this technique before actually doing it, however.
Making money on mobile homes is inexpensive and a profitable business. Some tips and pointers will help you succeed.
Shampoo is often pretty expensive and full of chemicals that have names that are practically impossible to pronounce. It is very easy to make home made shampoo that works wonderfully, is cheap, and will have you never again buying expensive shampoos for your hair.
Make money from home selling products or services. Earn money by selling a service you specialize in, such as bookkeeping. Make money buying discounted products and reselling them at a higher rate. Making money at home is simple when provided with helpful resources.
Rebates are one of the most popular ways to entice consumers to purchase a product. Unfortunately, many people will quickly forget about them and the opportunity will disappear. However, with a few simple techniques to help you organize and fill out the sometimes complex rebate forms and materials needed, you will be able to take advantage of any rebate offer that interests you.
Making money without a daily commute is an attractive prospect. The possibility of a paycheck that doesn't necessarily entail dressing up in uncomfortable clothing or clearing out the driveway on a cold winter day is very enticing. Fortunately, numerous opportunities exist to make money at home. You can earn money from your house even if you are still in college or retired from the workforce years ago.
Family portraits document a family's growth and development. They are often displayed prominently in a home and can be precious heirlooms. If you are intent on keeping an up-to-date portrait diary, try these cost-efficient alternatives.
High gas prices and long commutes make working from home appealing. Running a business from home can prevent boredom and keep a homemaker's business skills sharp. Working from home can stabilize a family's income during layoffs and a bad economy, too.
When implemented correctly, a budget can serve as an effective money management tool. Associate your budget with being part of your strategy for financial independence. A budget requires you to understand your source of income and expenses. Calculate your net income or generally, what you take home after taxes are deducted. Spend a month tracking your expenses so that you have a grasp on your spending habits. Organize your results using a spreadsheet.
Testing products at home is a way to make money---plus you get to keep the products you are testing. Product testers have a say in whether or not the product is a good one, and this might appeal to anyone who has ever wanted to tell a company that its product is not as easy to use as the manufacturer claims.
The acquisition of second home located in a popular vacation setting is an investment that can be provide a significant source of income as well as a getaway for you, your family and friends. Properly furnished, maintained and marketed, a vacation rental home can pay for itself and may open doors to other investment opportunities.
Making home affordable program is a government program to help home owner stay in their home by refinance or modify their home loan to an affordable monthly mortgage payment. This program enacted by government in March 2009 as a part of Obama housing program to stabilize the housing market.
Making an earnest money deposit on a home informs the seller that the buyer is credible and anxious to buy the house. Make an earnest money deposit with tips from a licensed agent in this free video on real estate.
You could be sitting on the best money-making opportunity and not even know it. Making money with your home's equity involves a concept called "interest rate arbitrage" and is an old idea that you can use right now to profit from an asset that otherwise might not be earning you any money.
Home budgeting can be a difficult skill to master. However, with an ever changing economy, and so much riding on your ability to keep track of your finances, home budgeting should become a priority in everyone's household. The home budgeting process may seem difficult, but with a little bit of effort, you can keep track of your finances quickly and easily in just a short amount of time.
When designing a home on a budget, it's important to make sure that there's no money being wasted in the construction. Consult an architect for tips on using green technology with help from a registered financial consultant in this free video on financial advice and budgets.
The Department of the Treasury manages the federal government's Making Home Affordable stimulus program. MHA supports distressed homeowners with a variety of assistance initiatives. The program also helps homeowners seeking to refinance mortgages on homes that have lost value. You'll need to review the federal guidelines for income, mortgage status and property value to see if you qualify for help.
Owe more on the house than what is is worth, or you are under water or have negative equity in your home, the new Making Home Affordable Government Stimulus Plan has now been put into place to help you. This plan has started as of March 3, 2009. With this new plan, people who are losing their home due to the inability to pay, or those who are paying more for their house than what it is worth, will be able to refinance at a much lower mortgage rate.If you make your mortgage payments on time with this mortgage program,…
You have heard this so many times-write down every penny you spend. You may have shunned the idea for years thinking you are already busy enough, you don't need another task. That means you either have enough money that it does not matter what you spend, or you are broke, and don't know why. If it's the second half of the last sentence, it is time for you to keep a spending journal.
In order to make money at home by mail, you need a product to sell. That doesn't mean you have to actually build or design something. There are thousands of companies that offer their products for resale. Many even offer printed sales materials that you can mail to potential customers. The only secret to make money at home by mail is to offer a good product, fill orders in timely manner and provide good customer service.
With $20 for an entire week's worth of food, you need to really stretch your dollar. Although you can stay fed on $20, don't expect to dine out or splurge on pre-made foods. To keep your food bill low, remember to eat before you go shopping. Also, planning out your meals ahead of time helps you see how much you need to spend at the grocery store. Make one trip to the grocery store for the week since frequent and smaller trips are likely to send you over budget.
Making a home budget involves listing the total household assets and income compared to the liabilities and bills. Find out the net worth of a household when coming up with a budget with information from a registered financial consultant in this free video on personal finance.
Most people think that the only thing an RV is good for is traveling cross-country or going on camping trips. Did you know that you can actually make money with your RV? This article explains a little-known method of turning your RV into a cash-generating machine.
All over the country, traveling sales crews go door to door to sell magazine subscriptions under the guise of being local youngsters. They claim your purchase will help them win a trip, earn a scholarship or benefit a charity--but the only benefit is to their company. Your magazines may never show up, and the contact information on your receipt will prove false. To prevent this scam, you must be assertive and say no.
This is the cheapest way to send money from one country to another. Especially useful for people working or traveling abroad who need to transfer money from and to their bank accounts in various countries.
When you've moved out of your family's house for the first time, furnishing an apartment can seem like a daunting task. But whether or not you have the funds in the bank, there are a number of ways to create a home that suits your taste and budget. Sometimes it will take compromise, so save money by finding treasures at yard sales, at the curb on bulk garbage night or in friends' basements.
To think of a log cabin is to think of the pioneers that built them and forged America's beginnings. As the country was settled, these cozy homesteads began to populate the landscape. Today the new generation of log cabins are modern and eco-friendly as well.
Home Weatherization is a program that allows homeowners and sometimes renters get their home weatherized for things such as new furnaces, windows, or insulation. It is an income based program and excellent for those who qualify. Read on to find out more about the home weatherization program.
Believe it or not mail is a real problem for some people. If you tell a person with this problem to just open their mail and be done with it, it's like asking a baby with colic to stop crying. There are some strategies to help sort the good mail from the junk mail and help you keep it all in order.
Surviving in difficult economic times is more a matter of mental change than dollars and cents. People tend to not spend rationally. Since 1992, disposable income increased by about 50 percent, while spending increased almost 70 percent. Since more money means more spending in modern society, this cycle of debt must change. Changing the cycle is a matter of mental labor.
Many people choose to plan their own funeral and burial for several reasons. Some people make the plans in advance to make sure that their wishes are carried out after they pass. Others arrange their own funeral as their way of helping out their family after they die. When you arrange your funeral and burial you can also choose to pre-pay, or finance, the expense.
Glass jars are easy to recycle and reuse around the house. They are made to last, but every now and then one breaks. If you break a glass jar and find yourself throwing away the metal lid with the broken glass, think again. The lids of glass jars can be just as useful as the jar itself, so recycle your metal lids in a variety of fun and useful ways.
Earnest money is money you put up to show your intent to buy the property. When you make an offer, you can show the sellers a copy of your earnest money check; once your offer is accepted, the check can be deposited into escrow.
