How to Save Money as a Student Without Working

There’s no dispute - college is costly! A recent study by the Federal Reserve Bank of New York found that a whopping 44.7 million Americans still have outstanding student debt. And it’s no surprise why: college tuition and rent cost a lot of money. To top that off, it’s hard to take up a job when you’re a student. Sure you could wait tables for minimum wage, but…
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What is Multi-Car Insurance and Do You Need It?

If you've been looking into car insurance policies lately and trying to figure out what kind of coverage you need for the best protection, then you might have found yourself considering the benefits of multi-car insurance. Multi-car insurance is one of the most common insurance options in the UK today, and it offers protection for up to five cars on the same policy. Most of the time, a…
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How to Save Money on Wedding Flowers

When they see the pictures, most people think I spent hundreds of dollars on my bridal bouquet. The truth is, I spent $180 on ALL of my flowers. That included my bouquet, five bridesmaids bouquets, my mom’s bouquet, a floral candelabra for the reception, 12 chair hangers for the aisle, and a rose-petal strewn aisle. My sister spent under $300 for her wedding flowers using the same techniques,…
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How to Maximize Your Charitable Donations

This time of year, and frankly all year long if you’ve donated anything to any charity ever, you’re likely bombarded with requests for donations. You might be tempted to spread your money around to several different charities. It’s a nice thought, but it’s not the best way to make the most of your donations, or a benefit to the charities. Choose Your Charities Carefully One year I received an…
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Credit Scores: How Do They Work?

FICO credit scores determine whether you’ll qualify for a loan or credit card, and if so, what your interest rate will be. A low score can cost you thousands of dollars over the life of a mortgage To help you learn more about this vital piece of information, I cover what goes into your scores and what you can do to fix them. How Credit Scores Are Determined…
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what to do with old towels? Re-purpose them! a picture of a basket full of towels

Rescue Old Towels From Oblivion

We have a problem with our towels and we've been asking ourselves "what to do with old towels". We only bought them 18 months ago, but they’ve already lost their fluffiness. I’m wondering if it’s because our new, energy-efficient laundry machines are less powerful than our apartment’s industrial machines, but it’s a problem whatever the reason. I’m not ready to buy new towels yet (see how I deftly…
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Carnival of Personal Finance #171: Celebrate Fall Edition

Welcome to the Carnival of Personal Finance #171. New readers, I invite you to check out my 10 most recent posts. If you like what you see, please subscribe to this feed with the RSS button at the top. I post Monday through Friday of a variety of personal finance and frugality topics. Today is the Fall Equinox, which marks the official first day of fall. In addition…
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Save Money on Holiday Credit Card Interest

If you were counting on a holiday bonus or tax refund to pay off your holiday charges, you may not be able to. According to Hewitt Associates, 63% of companies surveyed don’t plan to give holiday bonuses this year. Due to the credit crunch, many businesses that previously offered bonuses have had to forgo them or scale them back. There’s a silver lining – many companies are switching…
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When Is Your Open Enrollment Period?

If you receive health benefits from your employer or are enrolled in the company 401K plan, then you’re most likely subject to open enrollment rules. Basically, that means you can only make changes to your plan at designated periods unless you experience a life status change. Here are some basic questions and answers about the open enrollment period. How Does the Open Enrollment Period Work? During open enrollment,…
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