Most students embarking on a university or college education have saved diligently for several years by working on summer or evening jobs and by putting aside any money that comes their way. Most rely on some assistance from their parents as well, but the financial realities of attending post-secondary courses come as a shock nevertheless, … Continue reading Beating the High Cost of University Text Books
Qualified Tuition Programs (QTPs), officially referred to as a “529 plan,” is an excellent way to save for your children’s college. This state-sponsored plan, available in every state, lets you, grandparents, relatives, or anybody else contribute at any time. The interest is all tax-free, and when the student draws out money for college, it is … Continue reading 529 College Savings Plans
If the cost of higher education is keeping you out of school, then you may be thinking that it’s impossible to earn that desired degree. But before you give up hope, here are some strategies which might open some funds, and some new doors to the college or university of your choice: Skip over classes … Continue reading Tips for Dealing with the Costs of Higher Education
People are living to be older than they did even just a few generations ago. As a result, they either need to work longer or save more so they can enjoy a carefree and active retirement. Unless you can count on a large inheritance, you will need to find some way to supplement your Social … Continue reading Investing for Retirement
How do you start investing money? The key to investing is savings. An effective savings strategy coupled with a smart investing strategy will help you to meet your financial goals. Every dollar saved now helps you to control your current consumption by which the size of the income that you think will be required for retirement … Continue reading Investing Begins with Savings
Keeping a budget is not enough. Life always hands us surprises and we often end up with expenses we did not plan for. Because of this there should be another aspect of your financial picture. That other aspect is called emergency money. Emergency Money Emergency money is money that you put away not as an investment and not … Continue reading Emergency Money
The unexpected may happen at any time, and that is why it is important to save some money in case of an emergency. You never know what may happen to your job, family, or health, so it is financially smart to always be prepared. An emergency fund, or rainy day fund, is a savings fund that … Continue reading Saving Cash for an Emergency
As more couples finish their “biological” families, or are unable to conceive biologically, often they turn to international adoption as an alternate method to grow their families. Walk through any mall or McDonald’s, and you will likely see a Chinese girl or Guatemalan boy in the arms of a blond-haired, blue eyed mom or dad. … Continue reading International Adoption — How to Cost-effectively Adopt a Child from Overseas
Lets face it — its expensive having kids. From the beginning, buying clothes and diapers, to later in life paying for school and college, can make it difficult to save money. To help you save money if you have kids, here are some spending and saving tips and advice. Also, along with saving money, it’s critical … Continue reading Saving Money For Kids
The amount of money being spent online increases every year as more people come to accept the convenience of online shopping and gain more confidence in its safety. Vendors who sell online often do deliver attractive rates, simply because the competition is stiff. The very nature of the Internet makes it very easy to comparison … Continue reading Shopping Strategy: How to Save Money Buying Online
Ominous. Overwhelming. Big. Confusing. Any other words come to mind when that dreaded day comes that you have to make that trip to the store to stock up on food? Here are some simple tips to help make your next trip to the grocery store more effective and less stressful: Shop weekly. If you try … Continue reading Effective Grocery Shopping
Shopping for groceries is an inevitable fact of our ever busy lives. We may imagine that we are saving time by dashing in, roaming the aisles and throwing whatever looks good into the cart. Most often, what we end up with is repetitive, nutritionally unbalanced meals and ballooning grocery bills. Maybe worse, we have frequent … Continue reading Stretching your Grocery Dollars
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