7 Money Smart Ways To Spend Your Tax Return

Tax time can be a nice time of year for many struggling homes. Playing catch up or getting ahead can be far more comforting in the long term than that flat screen TV. Whether you’re expecting $700 or $7000, spending your tax returns wisely can be a real difference maker for the rest of the…
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4 Budgeting Tips For Tipped Employees

Before and during college I worked in the service industry. I didn’t worry much about budgeting since I didn’t have kids or a car payment (I took the bus everywhere), and not much to worry about as long as my rent, electric, and phone bills were paid. I didn’t have to spend much on food…
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Foreclosure And Debt: Should I Pay Down Debt Or Save Money (or Both)?

Paying unsecured debts in a timely fashion is important to maintaining credit in any instance; however, it can be argued as being more crucial when a mortgage or any other major credit item is reporting as late. The math is simple: although FICO does not weigh one’s credit items universally equal, the lesser percentage of…
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4 Simple Ways To Save Money

I am sure you have noticed our paychecks getting a little smaller in 2013. With the end of the payroll tax holiday, the average household will see about $83-$140 less per month. To ease the impact on our budgets I wanted to find ways to reduce expenses. There are hundreds of suggestions out there, and I…
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DIY Gift Ideas: How To Save While Giving

Between anniversaries, birthdays, and various holidays throughout the calendar year, the need or opportunity to give gifts is often surrounding us. Also, it seems we live in a country where gift giving is almost expected for such occasions. Truth be told, it can sometimes be overwhelming how many gifts we have to give each year;…
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