smart spending http://www.wisebread.com/taxonomy/term/8122/all en-US 10 Smart Ways I'm Spending My Tax Refund http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-smart-ways-im-spending-my-tax-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_veterinarian_000047202298.jpg" alt="Smart ways to spend your tax refund this year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For the first time in what seems like ages &mdash; at least six years &mdash; I don't owe the IRS one red cent on my taxes. In fact, this year the government is going to pay <em>me</em>. I have grand plans for the extra influx of cash, mostly to tie up several financial loose ends. Take a look at this list of where my refund money is going, and make a plan to spend yours just as smartly.</p> <h2>1. Paying Off an Outstanding Medical Bill</h2> <p>Very annoyingly, I received a doctor's bill many weeks ago that was well above what I was expecting. I let it go for a while because I needed to call the doctor's office and cross-reference the fees with my insurance company to make sure everything was legitimate. Unfortunately, the charges were valid (not the outcome I was hoping for), so I have to pay up.</p> <p>If you have outstanding medical bills, consider using all or part of your refund to tackle this debt. One bonus: Many hospitals and physicians will allow you to create interest-free payment plans to tackle your bills, making it unlikely you'll need to drop your <em>entire </em>tax refund on them.</p> <h2>2. Scheduling a Car Maintenance Appointment</h2> <p>The last time I had my oil changed, the mechanic told me that my car needed an alignment. It wasn't something I was prepared to pay for at the time, but I'll have it done now that I have the extra dough. While I'm there, I'll also have a few other issues taken care of, like a recently burnt-out headlight and the buffing of a dent that someone put in my car in the mall parking lot.</p> <h2>3. Pet Expenses</h2> <p>In the winter, I let my babe's fur grow a bit longer than I normally do throughout the rest of the year &mdash; cold weather and all. But spring is just around the corner, so it's time for a trim. And maybe a treat or two.</p> <p>More importantly: Is your pet overdue for a trip to the vet? Spending some of your tax refund on your furry friend's health might be much appreciated &mdash; and save you from bigger vet bills in the long run.</p> <h2>4. Household Maintenance</h2> <p>It's not smart to let household maintenance go, and with your wallet is flush, now's the time to cross those to-dos off your list.</p> <h3>Stocking Up on Household Necessities</h3> <p>I host a lot of guests on a regular basis, so not only am I constantly cleaning the house &mdash; causing me to burn through cleaning supplies rather quickly &mdash; but I also go through a decent amount of kitchen and bathroom paper products. To cut costs and trips to the store, I buy these items in bulk and store them so I always have them on hand. And since they're not exactly cheap, now is the right time to stock up.</p> <h3>Having the Carpets Professionally Cleaned</h3> <p>I totally dread having to replace my upstairs carpeting (I wish I didn't have it at all!), so I'm keen to keep it in good shape. That means having it professionally cleaned (which isn't as expensive as you might think) to combat the wear-and-tear of constant human and animal traffic.</p> <h3>Hiring a Landscaper to Clean Up the Yard</h3> <p>I love the outdoors, but I hate doing yard work. Thus, a portion of my refund will go to my friendly neighborhood landscaper who will clean up the fall and winter gunk so the my property can shine when the weather gets warm again.</p> <h3>Making Minor Fixes Around the House</h3> <p>We all have those tiny things that we need to fix around the house, but sometimes they're so insignificant that they don't warrant a trip to the store for supplies just for that one little problem. Refund time is a perfect time to make a list of what's dead or not working &mdash; like light bulbs, remote batteries, and other easy, inexpensive fixes.</p> <h3>Completing Forgotten or Overlooked Home Projects</h3> <p>I plan to hire a handy person &mdash; likely a student looking to make a quick few bucks &mdash; from Craigslist to help me finish a few put-to-the-side projects, like fixing a hole in my bathroom wall, hanging shelves, and cleaning up the basement. Much cheaper than hiring a professional company at professional prices.</p> <h2>5. Paying for My Spring/Summer Sports Leagues and Gym in Full</h2> <p>I enjoy staying active physically and socially, so I participate in several leagues, including shuffleboard (don't laugh!), bowling, and trivia. While I have some extra padding in my pockets, I'm paying for all those upcoming fees in full, mostly so I don't have to stop by the ATM several times a week. The same goes for gym or fitness class expenses. Pay for those suckers in full for a year, and save big on membership costs.</p> <h2>6. Buying Gifts for Upcoming Events</h2> <p>Wedding and baby shower season is coming, and if you're not careful, these events can really hit you where it hurts &mdash; your wallet! I know I have a few coming up, so I'm buying the gifts in advance. That way I'm not caught off guard in a few months when I've forgotten that I need to buy yet another toaster oven or playpen.</p> <h2>7. Taking Dry Cleaning and Alterations to the Cleaners</h2> <p>All winter long I keep separate clothes hampers in which I put my wool and other dry-clean-only garments along with any items that need alterations or repairs (like missing buttons). Since the cold season is coming to an end, I plan to have it all cleaned/repaired in one fell swoop so I can put everything away in perfect condition so it's ready to go for next year. This prevents me from making unnecessary new clothing purchases by keeping my existing wardrobe in good repair, year after year.</p> <h2>8. Paying Off Upcoming Trip Expenses</h2> <p>I have a spring birthday, and since I'm not a fan of public displays of birthday affection, I try to travel by myself when it rolls around. This year, I'm headed to three previously unvisited Major League Baseball stadiums (my goal is to see a ballgame in all of them by age 40), for which I'll need airfare, lodging, and a rental car. While it's not a super expensive trip, it's not exactly a drop in the bucket either, so my tax refund is a good way to fund this excursion now, so I can relax when it's actually time to depart.</p> <h2>9. Settling Long Overdue Debts</h2> <p>Interestingly, I have a smallish tax bill from 2013 that keeps popping up every now and again, and until recently I didn't know what it was for. I called the IRS and figured it out, so I plan to pay it off with my refund. If you have any bills like this &mdash; perhaps a credit card bill &mdash; you should think about doing the same. Get it out of the way and off your back. You'll instantly feel better.</p> <h2>10. Putting the Rest in Savings</h2> <p>Whatever remains of my refund will go straight to savings. I've wrapped up a lot of items on my to-do list, so if there's any excess cash, I plan to save it for surprise expenses in the future or to continue building my fund for a future investment. You can never go wrong with putting some money away for a rainy day.</p> <p>And of course, it goes without saying that if you don't have a rainy day fund, likely the best thing you can do with your refund money is to put most or all of it toward an emergency fund.</p> <p><em>Are you receiving a refund this year? How do you plan to spend it smartly? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-places-to-get-free-tax-advice">6 Great Places to Get Free Tax Advice</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-disaster-known-as-the-california-state-budget">The Disaster Known as the California State Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-when-your-tax-preparer-makes-a-mistake">What to Do When Your Tax Preparer Makes a Mistake</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/35-bizarre-things-you-can-be-taxed-on">35 Bizarre Things You Can Be Taxed On</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprise-5-reasons-you-might-not-get-your-tax-refund">Surprise! 5 Reasons You Might Not Get Your Tax Refund</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Taxes bills extra cash IRS paying debts smart spending tax refund Thu, 10 Mar 2016 10:30:43 +0000 Mikey Rox 1670511 at http://www.wisebread.com 11 Things That Are Worth the Money http://www.wisebread.com/11-things-that-are-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-things-that-are-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/three_friends.jpg" alt="Three friends" title="Three friends" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Tough times have made us all a bit more cautious about whipping out our wallets on a whim. When it comes to spending with discretion, it's important to have priorities about things you think are worth the money, and those items or services that are not. Here are 11 things that I think are worth it.</p> <p><a href="http://www.savvysugar.com/Things-Worth-Money-3643170">RELATED:&nbsp;11 Things Not Worth the Money</a></p> <h2>1. Insurance</h2> <p>We need insurance to protect us from paying even more money should the unexpected occur. At the very least, car, homeowners (along with certain incidentals like fire and earthquake), and health insurance are well worth their premiums. However, keep in mind that not all insurance policies are worth the money. Check out these <a href="http://www.savvysugar.com/Insurance-Policies-Arent-Worth-19090574">seven insurance policies you can live without</a>.</p> <h2>2. Culture</h2> <p>Excursions like visiting museums and monuments serve as entertainment and they give you a dose of culture. It's easy to get trapped in your own little world, but observing other people's accomplishments can open your eyes.</p> <h2>3. Going to the Doctor</h2> <p>Your co-pay is nothing compared to the cost of health surprises. Keep your doctor's appointments to avoid future problems and live the healthiest life possible.</p> <p>You can always opt for a Flexible Spending Account where you can use pre-tax dollars to pay for your co-pay for even more savings. Remember, to use up your FSA dollars before the end of the year with <a href="http://www.savvysugar.com/How-Spend-FSA-Money-20735714">these ideas</a>!</p> <h2>4. Education</h2> <p>Consider education an investment in yourself and your career. Taking classes that can improve your sense of industry or make you think differently about the path you've chosen are worth your time and money.</p> <p>Even if you're done with your student days, you can always keep on learning. Take a look at our seven suggestions for <a href="http://www.savvysugar.com/Professional-Development-Budgeting-Classes-11823720">community college courses</a>.</p> <h2>5. A Good Haircut</h2> <p>You don't have to visit the most posh salon in town to get a good haircut, but spending money on a good cut will polish your appearance and you'll save yourself from having to pay even more to get a botched cut fixed.</p> <h2>6. Your Well-Being</h2> <p>You don't necessarily need a gym membership to work out, but if it's the only thing that will get you moving, by all means join a local club. Exercise reduces stress and makes you sharper. And when you're grocery shopping, get your hands on healthy food that will keep your body working the best it can.</p> <p>Here are <a href="http://www.savvysugar.com/How-Increase-My-Happiness-20753887">eight more ways to improve your well-being</a>.</p> <h2>7. Home Maintenance/Repair</h2> <p>Ignoring a problem only makes it worse down the road. When something in your home needs fixing/cleaning/maintenance, do your best to take care of it as soon as possible.</p> <h2>8. A Sharp Interview Outfit</h2> <p>As I always say, your ability to earn an income is your biggest asset. You need a quality interview outfit to make the best impression and make you feel more confident &mdash; two big factors in having a successful interview.</p> <h2>9. Well-Made Shoes</h2> <p>Saving up for a quality pair of classic, well made shoes is a smart move in my book. They'll last for years, especially if you take care of them and get them resoled when needed. Get a pair that goes with everything, and you won't need to shoe shop for quite some time.</p> <h2>10. Travel</h2> <p>Living to work is no way to live at all, so get out and see the places that interest you. There's no price you can put on memories and special experiences, but don't go into debt for the sake of worldly education. Spend and save wisely, and you'll have the means to make your dream trips happen.</p> <p>Remember, there are lots of <a href="http://www.savvysugar.com/Save-Holiday-Travel-19010364">ways to save when planning for your dream trip</a> or you can also take <a href="http://www.savvysugar.com/Cheap-Vacation-Ideas-20531368">mini trips that are close to home</a>.</p> <h2>11. Visiting Family and Friends</h2> <p>Buying plane tickets or filling the gas tank to visit family and friends who live far away is a necessary part of life. Those people are a part of you, and maintaining those relationships is something you can't afford to not do.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Even when you&#039;re cutting back, making room in your budget for these 11 things will help ensure a happy, healthy life. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/savvysugar-300-small.jpg" alt="" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>SavvySugar</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.savvysugar.com/Personal-Finance-Rules-5186064">11 Golden&nbsp;Rules to Live By</a></li> <li><a href="http://www.savvysugar.com/How-Spend-Less-Shopping-2089224">9 Simple Ways to&nbsp;Save and Shop Smart</a></li> <li><a href="http://www.savvysugar.com/How-Lower-Monthly-Expenses-20441848">13 Things That Are Causing Your Bills to Skyrocket</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/11-things-that-are-worth-the-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-im-spending-my-tax-refund">10 Smart Ways I&#039;m Spending My Tax Refund</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bookmark-this-how-much-to-tip-in-almost-every-situation">Bookmark This: How Much to Tip in Almost Every Situation</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-strategies-for-paying-off-debt-when-living-on-a-variable-income">7 Strategies for Paying Off Debt When Living on a Variable Income</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-living-in-a-hotel-can-be-surprisingly-affordable">How Living in a Hotel Can Be Surprisingly Affordable</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting haircut healthcare shoes smart spending worth Wed, 14 Dec 2011 11:24:17 +0000 POPSUGAR Smart Living 825733 at http://www.wisebread.com Women of personal finance spotlight: Donna Freedman from MSN here to answer your questions http://www.wisebread.com/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Donna_headshot4.png" alt="" title="" class="imagecache imagecache-250w" width="80" height="80" /></a> </div> </div> </div> <p>For this entire week (9/15-9/21), Donna Freedman from <a href="http://blogs.moneycentral.msn.com/smartspending/">MSN&#39;s Smart Spending blog</a> will be <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">answering questions in our forums</a> about personal finance, frugal living, and her writing career.</p> <p>Donna and her partner in crime Karen Datko have done a great job reaching out to the personal finance blogging community.  They are constantly scouring the web for great material and they are always generous about linking out to smaller bloggers.  </p> <p>If you are are a new blogger looking for exposure, you should definitely <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">drop by the forum and tell Donna about your blog</a>. </p> <p> This interview is part of Wise Bread&#39;s spotlight on the <a href="/the-complete-list-of-personal-finance-blogs-by-women">Women of Personal Finance</a>.  At the end of the interview period we&#39;ll publish the best questions and answers from the forum interview and post them on the homepage.   If your question gets picked we&#39;ll include a link back to your blog.  </p> <p><strong>About Smart Spending</strong></p> <p><strong>Blog</strong>: <a href="http://blogs.moneycentral.msn.com/smartspending/">Smart Spending</a> </p> <p><strong>Blogger</strong>:  <a href="http://blogs.moneycentral.msn.com/smartspending/archive/tags/Donna+Freedman/default.aspx">Donna Freedman</a> &amp; <a href="http://blogs.moneycentral.msn.com/smartspending/archive/tags/Karen+Datko/default.aspx">Karen Datko</a> </p> <p><strong>Subscribe</strong>:  <a href="http://blogs.moneycentral.msn.com/SmartSpending/rss.aspx">RSS</a> </p> <p>Donna spent 17 years as a feature writer at the <em>Anchorage Daily News</em> in Anchorage, Alaska.  She is a full-time student at the University of Washington, where she is a Mary Gates Scholar majoring in the Comparative History of Ideas.  Her writing, reviews and research have appeared in many publications, including <em>McCalls, The New York Times Review of Books, Parade, The Philadelphia Inquirer, Premiere, 3-2-1 Contact, Time Magazine for Kids</em>, and <em>The Writer</em>.  Donna is the winner of the 2007 <a href="http://www.womcom.org/awards/Clarion2008.asp#OnlineMedia">Clarion Award</a> from the Association of Women in Communications. </p> <p>Check out some of her most popular posts:</p> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2007/12/14/see-a-penny-pick-it-up.aspx">See a penny?  Pick it up!</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/11/your-new-frugality-tool-the-kitchen-timer.aspx">Your frugality tool: the kitchen timer</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/10/breakfast-on-the-fly-and-on-the-cheap.aspx">Breakfast on the fly, and on the cheap</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/03/do-our-jobs-define-us-some-thoughts-on-labor.aspx">Do our jobs define us? Some thoughts on labor</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/27/doing-without-in-your-20s-by-choice.aspx">Doing without in your 20s -- by choice</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/18/6-reasons-why-i-love-cash.aspx">6 reasons I love cash</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/22/make-your-own-hot-flash-spray-and-other-frugal-hacks.aspx">Make your own hot-flash spray, and other frugal hacks</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/07/frugal-overspending-is-still-overspending.aspx">Frugal overspending is still overspending</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/06/thinking-outside-the-supermarket.aspx">Thinking outside the supermarket <br /></a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/07/25/the-thrill-of-the-hunt-shopping-secondhand-stores.aspx">The thrill of the hunt: Shopping secondhand stores</a> </li> </ul> <p>Grab a cup of java and <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">join our chat with Donna</a> in the forum today!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-of-personal-finance-spotlight-the-digerati-life-here-to-answer-your-questions">Women of personal finance spotlight: The Digerati Life here to answer your questions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-of-personal-finance-spotlight-allese-thomson-from-wesabe-here-to-answer-your-questions">Women of personal finance spotlight: Allese Thomson from Wesabe here to answer your questions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-of-personal-finance-spotlight-millionaire-mommy-next-door-here-to-answer-your-questions">Women of personal finance spotlight: Millionaire Mommy Next Door here to answer your questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-of-personal-finance-spotlight-the-frugal-duchess-here-to-answer-your-questions">Women of personal finance spotlight: The Frugal Duchess here to answer your questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-complete-list-of-personal-finance-blogs-by-women">Wise Bread Spotlight: List of Top Personal Finance Blogs by Women</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance donna freedman msn personal finance for women smart spending women of personal finance Mon, 15 Sep 2008 10:00:47 +0000 Lynn Truong 2427 at http://www.wisebread.com