My Money

November 2010


5 Cheap and Easy Ways to Protect Your Credit

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Your credit score is becoming more important to businesses than ever before. Not only does it help you secure loans, but now many insurance companies, cellular carriers, and employers view your FICO score as a higher standard. Whatever philosophy you hold on credit, everyone can benefit from a few ...

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personal finance

Should You Rent Out Your Home?

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You've had your house on the market for what feels like an eternity. And that "For Sale" sign? It's been out front for so long that you can't remember what the lawn used to look like without it. And if you've already moved out, you might be wondering if you should just go ahead and rent your house ...

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personal finance

Unusual Uses for Paper Towel Tubes

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The humble paper towel tube—a pipeline of convenience—has many uses. Cardboard tubes can be used for frugal travel, art projects, and other household uses.

Wet laundry

You can collect plastic grocery bags, fold them up, and store them in empty cardboard tubes. Nearly two dozen plastic bags can be ...

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personal finance

5 Fifteen-Minute Financial Fixes

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As the holidays approach, it'll start to feel like you have less and less free time. The hustle and bustle of the holidays always seems to mess up schedules, throw wrenches into your carefully laid plans, and land you firmly in the weeds. One of the things that often gets knocked to the sidelines,

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personal finance

How to Develop a Frugal Mindset

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It is difficult to write a post on how to be frugal. If you mention any specific frugality tips you get comments such as “everybody already know this” or “nobody can actually do that,” usually on the same post. This week, instead of giving specific frugality tips, I am giving general advice on how ...

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personal finance

7 Black Friday Shopping and Credit Tips

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From 3 a.m. lineups to $50 TVs, it’s almost impossible to resist the temptation of Black Friday fever. However, much like the sales manager at Gimbels who helped solidify the term Black Friday for its current day use over 30 years ago because crowding caused such traffic headaches, modern day ...

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personal finance

How to Get Cash Back on Every Purchase

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With the holidays right around the corner, easy ways to save money have never been more important. And one of the best ways to save money is with cash back deals. With a little creativity, you can get 15 percent or more in cash for many purchases you make every day. And you should be able to get ...

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money
personal finance

7 Easy Ways To Keep Food Costs Down

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Food prices could be a significant portion of your budget, and the bad news is that they are not getting any cheaper. Depending on where you live and the selection of local stores, some food can be extraordinary expensive compared to the norm. For instance, fresh fruits and vegetables in my new ...

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personal finance

6 Things You Should Get for Free

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These are just a few things I don't feel a need to pay for since I can get them for free. It is far from a comprehensive list and I'm sure not everyone will agree with them. Sometimes there are some exceptional situations where you will have to pay for these items. While these things cost somebody ...

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personal finance

6 Creative and Inexpensive Date Nights

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Time and money are the most valuable resources on the planet. I can't stop the clock, but I can share a few ways for you to keep some of your hard earned cash and make your time a little more enjoyable. After all, it's much easier to enjoy a date night with your significant other when you don't ...

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personal finance

How to Enjoy a Green Black Friday

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Black Friday—the spending binge immediately following Thanksgiving—traditionally ranks as one of the top shopping days of the year. In 2009, Black Friday was the busiest single shopping day of the year.

The term “Black Friday,” is based on finance. Historically, on the day after Thanksgiving, the ...

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personal finance

How Credit Card Companies Make Their Money

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Credit card corporations have recently fallen under the scrutiny of the federal government for continuing to amass wealth at the expense of merchants. Following investigations by the Justice Department, spanning a length of over two years, the government brought legal action against American ...

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personal finance

How to Live Off the Credit Score Grid

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As we've learned in the last year, your credit score is very important. It's probably too important. It's being used to determine whether or not you can get a cell phone, it's used by potential landlords to pick who to rent to, and it's sometimes used, rightly or wrongly, by employers for ...

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personal finance

How to Trim the Cost of Thanksgiving Dinner

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Thanksgiving is not far away, and if you are like most people, you will be celebrating with a huge, traditional Thanksgiving dinner. If you are in charge of preparing the Thanksgiving dinner, you might be looking for a few ways to reduce the cost of making that dinner. A classic Thanksgiving dinner ...

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personal finance

5 Big Budget Mistakes to Avoid

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Do you know where your money went? If you just got paid but your bank account is empty, maybe it's time to rethink your budgeting skills. Fixing the big budget blunders is not hard to do—you just have to want to do it! Here are five reasons why your budget is broken, and the ways to fix it.

[In ...

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personal finance

5 Ways to Take Advantage of Low Interest Rates

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Interest rates have never been lower. It seems that just about every week mortgage rates set a new low. And this week the Fed is expected to undertake a second round of quantitative easing, QE2 for short, by buying up more government debt. As a result, incredibly low interest rates may go even ...

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personal finance

10 Reasons to Have Multiple Income Streams

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Building multiple streams of income is no longer a luxury, it has become a necessity. If the high rate of unemployment and mounting job losses have taught us anything, it is that nobody's job is safe. Unfortunately for most people, their only source of income is from their job, which can be a risky ...

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personal finance

How to Get Financially Prepared for a Lay-Off

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Unemployment is at record levels in many areas, the housing market has collapsed and job security is not what it once was. If you happen to be one of the unfortunate recipients of a pink slip, it’s important to have a financial plan in place since you can be sure there are many people with the same ...

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personal finance

The Frugal Art of Being a Good House Guest

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The year-end rush often includes a mix of parties, gifts, and travel. And whether you’re traveling across town or across the road, your holiday baggage may include host gifts for those who invite you into their home for a party or a vacation. Host gifts are part of the annual holiday shopping ...

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personal finance

Go Hi-Tech on Black Friday and Save Big

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The day after Thanksgiving is well known as the biggest shopping day of the year. Stores put a few things on an incredible sale to draw crowds, even opening their doors in the wee hours of the morning. Every year we hear stories of shoppers lining up in front of Wal-Mart or Best Buy to be the first ...

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personal finance

How to Check Your Credit Score for Free

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The Fair Credit Reporting Act required consumer reporting agencies, like credit bureaus, to provide their records of you at least once ever twelve months. Since your credit report, and credit score, as so important in your financial life, it makes sense that the law mandates you are able to review ...

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personal finance