Money Tips Network

Sometimes our salaries don’t stretch quite far enough, no matter how hard we work. That’s generally due to un- or underemployment, student loans, medical issues, or plain old bad luck – or some combination thereof.

If the money that’s coming in barely covers (or doesn’t quite cover) the money that’s going out, and you’ve done everything you can to cut expenses, then one of two things will happen:

• You and/or your family will go without needed items, or
• You will go into debt to get those items and services.

The following eight tactics can help you cover some essential everyday expenses until times are better.

“I don’t have enough money to save for anything! I can barely keep my bills paid now!”

“Being frugal is just too much work!”

“There’s no way I can ever possibly save that much for retirement! Why bother?”

If you visit virtually any message board or open comment thread or Facebook thread in response to a personal finance article of any kind, you’ll almost always find a pile of comments like the one above.

Although the words and the tone and the original article might be different, the core idea from those comments is the same: improving my personal finances is too hard and so it’s better to do nothing at all.

There are a number of reasons for that feeling.

Every couple has to come up with a way to manage their money. Some merge their personal finances and manage them as a single household, while others choose to have separate accounts.

Welcome to Wise Bread's Best Money Tips Roundup!

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Benjamin Franklin was born in 1706 into a family of very modest means. Today, they’d probably be called lower middle class at best. His parents had just enough money to send him to school for a couple of years in hope that he could eventually join the clergy, but by the age of 10, he was done with school. He was a print shop apprentice by the age of 12, climbing around on printing presses, sorting letters, mixing ink, and all of the other tasks needed to keep a printing press running.

The net neutrality debate has been dominating headlines for some time now.

While I am generally a big fan of buy and hold investing, I'm well aware that sometimes it makes sense to unload a bad investment. Similarly, there are times when it’s smart to take some profits from an investment that has done well.

But how do you know when to sell?

Spring cleaning — it's a timeless tradition that makes perfect sense … until you think about it for a minute or two. Why does everyone wait until spring to start that deep clean? Wouldn't winter be a more ideal time to tend to all things indoors?