Other money saving tips

Here’s a deal for school teachers, police officers, and firefighters. The U.S. Department of Housing & Development (HUD) has a program that offers 50 percent off the list price of certain houses as long as you live there for at least three years. It’s called the Good Neighbor Next Door (GNND) program, and it’s offered all over the United States.

The purpose of the Good Neighbor program is to strengthen communities by encouraging employed law enforcement officers, teachers, firefighters, and emergency medical technicians to live in the community. Read the rest...

We all want to save money, but some of us get a little caught up in theory without looking at the true savings of our shopping behavior. Using coupons, buying online where you can get free shipping and choosing stores with simple return policies are all good ideas, but there’s more to it than that.

Remember that sales and other promotions are not charitable events to put more money in your pocket. They are intended to drum up sales for the stores. This is why you need to be careful when you go after discounts. Here are some tips to help realize true savings from special promotions and store policies.

Groceries Read the rest...

It's officially the holiday season! Sure, the spirit of giving is still in the air, but citizens from coast to coast are on a noticeably smaller budget this year, and may have to scale back on everything from holiday meals and entertainment to gifts and decor. Fortunately, a great gift is all about making it personable, thoughtful, creative and unique and definitely NOT about price. It is one hundred percent possible to have a wonderful holiday and give great gifts without spending a fortune. We put together a list of some thoughtful and frugal gift ideas for everybody on your list this year!

 Read the rest...

The journey to debt free living is both long and difficult but there is a light at the end of the tunnel. After successfully eliminating your debt you can begin to enjoy the freedom of living a life without the constant fear and frustration that comes hand-in-hand with debt. Without the burden of debt you can begin working toward other financial goals that were unattainable when all of your income was tied up with debt payments. Consumers who are "used" to being in debt often do not know what to do with their money once the debt is finally eliminated from their lives. Here are a few money management tips for those who have recently eliminated debt from their lives.Read the rest...