Despite the fact that FIA (formerly MBNA, now owned by Bank of America), told me to bend over as they slashed my credit limit on my Schwab credit card, I still prefer to use the Charles Schwab credit card as my primary transaction card. It’s simply too hard to ignore the 2% cash back on any purchases, plus there’s the absolutely zilch foreign transaction fee when you use the card while traveling abroad.
While in Italy last month, I extensively used this credit card along with my Schwab debit card as my traveling pals and I roam around tourist traps in a decisively awesome country:
Personal finance, commentary, and spending less the easy way
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Over Four Years of Personal Finance, Consumer Spending, Crazy Products and Boring Blog Posts. Good grief.
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From Sharon Harvey Rosenberg: a fun, frugal & fashionable way to save money & live well.
A premiere personal finance blog, established 2003. Within, Flexo discusses his own experiences with money, and he and other authors comment on a wide range of personal finance topics.
Personal finance that makes cents. Common sense advice on topics from high interest savings accounts, frugality, cd rates, money market accounts, mortgage rates, how to get out of debt, money management and more.
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Grow your net worth.
Bargaineering is a blog that chronicles my personal finance life and where I discuss matters of shopping, insurance, investing, retirement, loans, credit cards, mortgages, bargain hunting and other issues in mylife.
Small changes have reduced electrical charges in my home. On a year-over-year basis, we have used 20 percent less electricity due to two minor adjustments. We have switched most of the light bulbs to compact florescent bulbs (CFLs), an energy-saving option. Additionally, during the day and vacations, we turn off the water heater, a move that generates cool savings.
(photo by Yael Rosenberg)
Currency exchange is a thrifty tool in my home. To save money, my 11-year-old daughter has swapped five single dollars for a five-dollar-bill and has traded up for even larger denominations. She uses the larger bills to preserve capital.
“When I see smaller bills, I think I have more money to spend,” my daughter said, adding that it’s tempting to buy treats with single dollars. “I’m not going to buy a chocolate bar with a $20 bill.”
It’s a numbers game that we all play with our budgets and wallets. In fact, banks, financial planners and marketing gurus have launched a variety of programs built on different savings techniques. Here are a few of my favorite money-saving tricks.
We can iron out past wrinkles in money, relationships and clothing. That's what I learned as I ironed clothing for Rosh HaShannah, the New Year on the Hebrew calendar.
Even if you don't celebrate the holiday, September is still a time of beginnings and renewal, including a new school year, a post-Labor Day cycle on Wall Street and changes in leaf colors.
Long before I converted to Judaism, I always felt a shift in September. Here's what I learned while ironing garments this September.
1. Restoration: Wrinkles can be removed from shirts, relationships and money. The process requires time, tools and enough heat.
In this guest post, Kiplinger.com offers 7 Lessons from the Meltdown, including:
"1) Where's the money? You'd better know—literally. The reported $50-billion swindle orchestrated by Bernard Madoff and other fleece jobs should put to rest the notion that you can get rich from unpublicized investment opportunities unavailable to mere mortals. If you give any adviser discretion to buy and sell investments without your prior go-ahead, you must demand to know where your money sleeps.
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