The four major cell phone providers in the U.S. offer vastly different performance and pricing, depending on where you live and the type of phone you choose. Getting the most from your cell phone is an important money-saving strategy, so it’s good to take a look back every now and then to see how plans have changed. For this comparison, we’ll look at basic calling plans, unlimited calling, data only and unlimited phone plus unlimited data. These four pricing points should help you in your decision. We've also thrown in pricing on smaller carriers for good measure.
If your community has canceled its annual fireworks display due to budgetary issues, you might be wondering how you can make the 4th of July holiday festive for your family. If your family has budget concerns of its own, you need to find a way to make the holiday special without spending a lot of money. Fortunately, there are plenty of great ways to spend the holiday without breaking the bank. The 4th of July does not have to be about fireworks. Get to the core of the holiday by celebrating country and family. 
For many people, credit cards are a way of life. Those who find themselves relying on credit cards on a daily basis may have trouble even imagining what life without credit cards could ever be like. The fact is, relying on credit cards to get through life can be a dangerous path to walk, as those who don't make use of the utmost responsibility and care will inevitably find themselves falling behind. Fortunately, it is possible to live life without credit cards, and when the proper tactics are employed, you can enjoy a much better and more prosperous life.
Everyone has a money saving style. Unless you're filthy rich and money is not much of a concern, everyone thinks about ways to save. Some people clip coupons, some relish in promotional offers, and others just grab the cheapest product they can find. Some methods work better than others when it comes to saving money. Here are a few examples of common money-saving techniques that often fail.
There is no time like right now to take a good hard look at your personal finances and make saving money a goal. The following sneaky little tips and tricks can help you get past that mental hurdle that stops you from growing your savings by helping you avoid the negative emotions associated with saving money. Whether its tricking yourself into spending avoidance or getting little extra bang for your buck, the emotional boost that you get when savings starts to grow makes saving money easier to stay with. 
The word ‘budget’ can sometimes be intimidating. It means that you will have to watch what you are spending and account for where your money goes. Many people will say that drawing up a budget can be just as difficult as following it. "Budget" may feel like a four letter word, but it doesn't have to.
As Americans become increasingly serious about living in a debt free environment, the concepts of snowballing and snowflaking continue to gain popularity. In fact, people who have accumulated and carried substantial consumer debt for decades have experienced savings growth and debt elimination by practicing these simple techniques.
Those with ADD and Bipolarism are particularly susceptible to spending sprees during high-energy episodes, when the drive of the personality trait overcomes the logic of the calmer mind. But unhealthy spending sprees can happen to any of us, especially during times of high stress. It often starts benignly. You purchase something you have been holding off from buying. Then, you decide it’s time to fulfill another desire if you can find it on sale. Before you know it your shopping around and buying much more than you set out to. Sometimes it can run into hundreds or even thousands. 
According to a study by Smart Money and Redbook magazine, 70% of married couples argue about money. In fact, it’s the culprit in about 50% of the marriages that fail. This problem stems from the fact that in most relationships, there is a “spender” and a “saver.” Without proper communication, these two personalities can clash, leading to arguments, stress and unfortunately divorce. Most psychologists agree that having a financially healthy relationship begins before couples tie the knot, and the following tips and ideas can help couples get on and stay on the same page regarding money.
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