Money Tips Network

It's that time of year — when everyone's telling you that your New Year's resolutions can help you lose 50 pounds by beach season, revolutionize your career, and save enough to buy a Mercedes with cash by December.

As the mom of a two-and-a-half-year-old toddler boy and soon-to-be-born baby girl, I confront the challenges of being a mom every single day.

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Earning a degree abroad — say, at the Humboldt University of Berlin, shown — could save you tens of thousands of dollars in tuition. Photo: Francisco Anzola

College-bound students can be excused for their looming fears of dealing with student loan debt after graduation. We’ve talked about ways to get your student loans forgiven, but what about not having student loan debt at all? Here are a number of options to drastically reduce your tuition costs:

Taking a lesson from the list-making Mrs. NCN, here’s what I want to get done, this week, before the kids head back to school –

Organize Large Storage Spaces

We have four large storage spaces – our shed, our attic, our garage, and our laundry room.  The shed serves as a mini-workshop and storage space.  We like to keep our garage nice and neat, with a small area dedicated for storing kids’ bikes and outdoor toys.  The attic has room for storing items like our Christmas tree.  The laundry room has a large, tw0-door storage cabinet, for keeping items like detergent, paper towels, napkins, etc.  We’ll organize these spaces first, in an effort to free-up storage space and remove clutter.

Organize Living Spaces: Room-by-room

Can you believe it's almost 2015? I certainly can't, but I'm already mulling over my resolutions list for the coming year. After the parties end, the champagne is served, and the ball drops, some of us have some major catching up to do financially.

Volunteering can help build a sense of purpose for a company and its employees. Photo: State Farm

Small businesses are always looking for ways to strengthen the culture, empower employees, find new clients, and build goodwill in the community.

Many companies will invest time and money in outside consultants, training, and company outings hoping to improve the business environment and achieve these goals.

But what if there was a low-cost or no-cost way to achieve these same results? Few opportunities provide as much value to a small business and its employees as volunteering, especially as a team.

Let’s take a quick look at the benefits of volunteering for your small business and employees.

Healthier Employees

From volunteering? Yes.

This article is by staff writer Holly Johnson.

I honestly cannot believe that this year is already coming to an end, and I still have so much to do to prepare. At my house, end-of-year responsibilities include assessing our retirement situation, getting our business books caught up for tax purposes, and going over our expenses to see if there is anything we could change and do better next year.

I’ve been working on that final part for a few weeks now, and I uncovered some interesting revelations — mostly due to the fact that I started tracking our annual spending on Personal Capital. Among the most interesting things I found out:

Want to attack your credit card debt? Stop carrying credit cards! Photo: Jeff Rose

No one likes being in credit card debt. It’s one of the easiest payment methods for overspending, and yet is the most difficult to pay off because of the high interest rates and other fees.

So how can you pay off credit card debt and remain free of it forever? These steps will show you how.

Step 1: Face the Facts

This will likely be the most difficult step (aside from staying motivated during the debt payment process). But before you can move forward, you have to know where you stand.