Annual Credit Report Reminder

This morning, I wrote about the importance of regularly checking your credit report. The hardest part about the whole process is remembering to request a report every four months! So I decided to leverage the power of the Internet to create a mailing list that will remind you every 122 days (365 days divided by 3) to go to to request your report. […]

Can Your Spending Patterns Affect Your Credit?

By Silicon Valley ... I am one who prefers to use credit cards over cash for the convenience and ease of use of dealing with the plastic. Since I always pay my monthly bills in full, using credit cards has never been an issue for me. […]

Review Your Credit Report Annually

The Fair Credit Reporting Act gives us the right to see our credit reports every twelve months. […]

Playing Good Defense is the Key to Getting Rich

Here are some interesting thoughts from Stop Acting Rich: ...And Start Living Like A Real Millionaire: Most people will never earn $10 million in their lifetime, let alone in any single year. In fact, most households are unlikely to ever earn even $200,000 or more annually. Currently only about 3 percent of American households are in that category. […]

Best Deals for Tuesday 12/01/09

By Lynn Truong Today we've got some great $10 and under deals, LOTS of shoes, apparel, luggage, cutlery, and jewelry. Freebies FREE Yahoo! Greetings Electronic and Printable Cards Yahoo! Greetings offer most of their electronic and printable cards for free. […]

Your Flexible Spending Account: 10 Qualifying Purchases

Flexible Savings Accounts (FSAs) are often offered by companies to help their employees save money by setting aside income from paychecks to pay for health-related expenses without being taxed. For many Flexible Savings Account holders, the deadline for using the funds set aside is the end of the calendar year. […]

Ask the Readers: Have You Ever Re-Gifted?

By Linsey Knerl It's a sticky subject, but something that is very common. We're talking regifting, and with the economy making shopping new a little bit harder than last year, it's something that everything seems to be talking about. Have you ever regifted? Will you consider it? […]

What is Credit Utilization?

Credit utilization is one of the most important components of your credit score, a three digit number that is increasingly becoming one of the most important numbers in your life. Credit utilization refers to how much you are using your available credit. Take your total credit balances, divide it by your total credit limit, and the percentage is known as your credit utilization. Simple right? […]

Six Reasons Why People Don’t Thrift

Over the past week, I’ve been conducting a quiet poll among friends and family concerning whether or not they shop at thrift stores. I received a few “yes” answers, but a surprisingly large number of “no” answers. Without arguing about the reasons, I also asked them why they didn’t shop at thrift stores and I found that there were six common answers. […]

Way to Save #136: Repaint In White

Painting is one of the few home improvements you can make that normally add more value to a home than it costs, assuming you do it yourself. White paint is usually cheaper, doesn’t fade, makes rooms look bigger and goes with more stuff. […]

Money in Your Yard: How to Sell Palm Trees For Cash

By Xin Lu Palm trees are ubiquitous in California and other states with a warm climate. Although they are beautiful trees, some homeowners find them to be a nuisance because they require routine maintenance when they get too large. […]

Energy Efficient Appliance Upgrade, Anyone?

Much like the wildly popular and probably successful Cash for Clunkers program earlier this year, a portion of the 2009 American Recovery and Reinvestment Act is being allotted to a program for upgrading older, energy wasting appliances. None of the important details have been released yet, such as “what Energy Star rating will my new refrigerator need to have?” But we can tell you this much right […]

Charge Cards: The Forgotten Option

For as long as I’ve been writing about personal finance, there has been an constant argument between credit cards and debit cards. Those who have first hand knowledge of how difficult it is to extricate yourself from credit card debt are right to argue that credit cards are evil. […]

5 Little-Known Websites That Will Save You Time and Money When Booking Airfare Online

This article is by staff writer Adam Baker. Baker recently reflected on just how much money affects our internal values. When booking airfare online, most people think of the popular online aggregation sites. […]

Handling Financial Setbacks

I was hoping to write about the logistics of moving and painting parties, but we just had a huge setback with our home purchase. Last Monday we did our walk through and it went well. There were some minor things that needed to be fixed before we closed, but we were happy with what we got. […]

One Example of Living Paycheck-to-Paycheck

In my post titled From the Ugh Files, I asked the following questions: How does living paycheck to paycheck happen? (I've never done it, so I honestly don't know.) Is it an ever-increasing lifestyle as salaries increase? Or maybe it's an income hit that takes away all the slack in an otherwise decent budget? Or maybe something else? […]

Green Gift Giving Guide: How to Save Green By Giving Green

Tis’ the season to be thrifty and these eco-friendly gifts won’t force you to spend a lot of green in order to be “green”.  From water powered alarm clocks to hand cranked blenders and electric cars, there is a perfect gift out there for everyone that you are buying for.  In no particular order, I have compiled a list of some of my favorite environmentally conscious products and services and liste […]

Beyond Tuition: Helping Out With College Expenses

By Thursday Bram My sister starts college this spring and I've been thinking about options for helping her out with her expenses beyond trying to help her pay tuition. While I'd love to be able to just cover all her costs, the cost of attending college these days prevents that. Those of us who want to help out a family member when it comes to college aren't out of luck, though. […]

If anyone comes your way, tell them we’re closed. Huh?!

I found out recently that our county is going to be entering the late-20th century in an important way: We’re getting a Walmart.  This is important to us because it’s going to be built adjacent to a subdivision we’re considering purchasing a new house. But that’s a separate issue.  The issue at hand for this post, though, involves the fact that the Walmart will be a Supercenter.  Meaning that it w […]

Homemade Peanut Butter: Recipe and Cost Comparison

By Elizabeth Sanberg Ever since 4th grade when a fellow classmate dressed up as George Washington Carver and made (and shared) peanut butter for a class project, I've always wanted to make my own homemade peanut butter. […]