Isn't everyone looking for a way to save a buck whenever and wherever possible? Youngandfrugal (profile ID) on Twitter seems to be full of tips you can use in your everyday shopping.
Create a profile for yourself or sign on at Twitter and search for Youngandfrugal.
Aug 9, 2010
Aug 8, 2010
Many could see credit scores for free
Beginning next year, new rules unveiled by the Federal Trade Commission and the Federal Reserve will require lenders to provide free credit scores to borrowers. These rules take effect Jan. 1, 2011.
See related postings for tips on shopping for a mortgage.
http://www.creditcards.com/credit-card-news/free-credit-score-risk-rule-1282.php?aid=46bf5df1
See related postings for tips on shopping for a mortgage.
http://www.creditcards.com/credit-card-news/free-credit-score-risk-rule-1282.php?aid=46bf5df1
Cheaper college textbooks
Why pay full price at the bookstore on campus, not to mention waiting in line for three hours? With the sagging economy, can we or anyone really afford $1000 for college textbooks this year?
Check out this link for a story in the NY Times about alternatives to bookstore prices.
http://bucks.blogs.nytimes.com/2010/08/03/how-to-find-cheaper-college-textbooks/?src=me&ref=business
Check out this link for a story in the NY Times about alternatives to bookstore prices.
http://bucks.blogs.nytimes.com/2010/08/03/how-to-find-cheaper-college-textbooks/?src=me&ref=business
Aug 4, 2010
Saving money for the freshman onboarding
On top of college tuition, room and board, parents will find all sorts of ways to easy plop down hundreds or thousands for things on the college freshman's wish list. Do they really need it all?
Do you really need four dorm fridges if four guys are rooming together? Work through the school to ask who the roommates will be and contact them to determine what everyone is bringing.
Other tips at this article:
http://shopping.yahoo.com/articles/yshoppingarticles/408/12-things-college-students-dont-need/
Do you really need four dorm fridges if four guys are rooming together? Work through the school to ask who the roommates will be and contact them to determine what everyone is bringing.
Other tips at this article:
http://shopping.yahoo.com/articles/yshoppingarticles/408/12-things-college-students-dont-need/
Aug 3, 2010
Retire a millionaire
Can you retire a millionaire? Never say never. According to this article and other financial experts, it is possible. (See David Bach's Automatic Millionaire. Great book about financial planning for retirement.)
It simply boils down to setting aside a little and starting early. It doesn't take a rocket scientist to realize you can be rich at retirement, or at least well off. It was Albert Einstein who said, "The most powerful force in the universe is compound interest." It's true.
Start saving early in your career, at least $10 or $20 from each paycheck into a 401K or IRA at work. Most employers will match your contribution to a degree. Take it up a notch each year. If you start out contributing 1 percent of your check, you won't miss the automatic pre-tax withdrawal.
Many people even opt to make a maximum withdrawal of 15 percent into their retirement funds. Why not? Contribute as much as you can afford. These contribution levels can usually be adjusted with some notice, so if you run into some sort of financial difficulty, you can lower the amount.
It simply boils down to setting aside a little and starting early. It doesn't take a rocket scientist to realize you can be rich at retirement, or at least well off. It was Albert Einstein who said, "The most powerful force in the universe is compound interest." It's true.
Start saving early in your career, at least $10 or $20 from each paycheck into a 401K or IRA at work. Most employers will match your contribution to a degree. Take it up a notch each year. If you start out contributing 1 percent of your check, you won't miss the automatic pre-tax withdrawal.
Many people even opt to make a maximum withdrawal of 15 percent into their retirement funds. Why not? Contribute as much as you can afford. These contribution levels can usually be adjusted with some notice, so if you run into some sort of financial difficulty, you can lower the amount.
Aug 2, 2010
Cheap real estate
Condos for sale now in these down markets at prices lower than new Toyotas. If I had boatloads of money and lived in the community, I'd be looking at some property to buy and rent. Increase the revenue streams and build a better retirement for yourself and your family.
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