Getting Your First Home Mortgage

Buying your first home can be both thrilling and scary and getting your first mortgage is usually part of the equation. Obtaining a mortgage can be confusing and stressful for many people, especially if this is a new experience. Without a doubt your home, even if it's a starter home, is and will be, one of the biggest investments of your life. With that in mind it is important to take the mortgage process slowly and not rush or skip important steps.

Tips for Saving Money Using Grocery Coupons

Coupons, used wisely and selectively, can be a great way to save money from your food budget. Here are some tips to start you on your way to becoming a coupon guru.

Re-Entering the Workforce

Many women (and an increasing number of men) decide to put their careers on hold from time to time.

The most common reason for doing this is to become a full-time parent after a new baby joins the family. Other reasons include taking time off to care for an ailing parent, going back to school to pursue a degree, starting a home business, or taking an extended leave due to stress or illness.

A Priceless Gift

Isn't it interesting how holidays and special occasions can nudge us right out of our regular comfort zone for spending less; throwing us full force into a more generous and giving spirit? And while financial planners around the world may be screaming "Save, Save, Save"... department stores and advertisers are shouting "Buy, Buy, Buy!" And, when that generous nature kicks in, it may be extremely difficult to stick to your budget.

Feeding a Family of Four on $300 a Month

If you only had $300 a month to spend on groceries for a family of four, could you do it? What sort of food would make the list and what would have to stay on the store's shelves?

Your 2006 New Year's Resolution - Save More Money!

Are you planning on establishing a "New Year's Resolution" to start saving more money in 2006? Like any resolution, unless some ACTION is taken on your part, nothing will ever change.

Valentine’s On A Dime

Using a little imagination, you can make your Valentine’s day a little more fun and a lot less expensive. If you want to add a little personalized romance or if you don’t have the time or money to buy all the pre-made things in the store, here are some ideas from livingonadime.com to help you make the day special.

Save Money off Your Holiday Gifts

It's that time of year again, time for traveling, decorating, holiday parties, family,
friends, relatives and of course. . . . shopping.

Living On What's Left

Are you one of those people that pay your bills no matter what? That is an admirable trait to have when managing your money. You made the bill and you feel you are responsible for paying it. Good for you.

Payment order counts when saving money on your debt

A big myth in credit card and loan repayment is to “start with the smallest debt” and work your way to the largest.

How to Punish Your Credit-Card Bank

Has your credit-card bank ever made you angry? I mean really infuriated to the point where you just want a little revenge for how you were treated? The only problem is that you may feel at their mercy…like they're somehow superior. Well, you know what? They're not!

Save Money on Gasoline for your Automobile

The gas that we fill our tanks with every week adds up to be quite an expensive bill over the months and years. Thirty dollars a week in gas adds up to over $1500 a year. That's $1500 additional dollars needed just to drive something you already own (or making payments on).

Getting Past the Idea of Budgeting & Saving Money

I'm sure you'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.

Saving Strategies for Back-to-School Clothes and Supplies

It's that time of year again. summer vacation is coming to an end and children will be starting back to school soon. I guess you could say bargain hunting for the best price (and value) on school supplies and children's clothing has become an annual ritual ...

Save Money on Clothing

By simply adjusting your spending habits and learning to shop a bit more conservatively, you can save yourself hundreds, even thousands of dollars a year.

How Much Should My Grocery Budget Be?

You talk about a question without an answer! But, I'm going to try to answer it anyway...

Breaking News! Teens don't cost more than Babies!

Whenever my daughter Tawra talks about how to live frugally she can always count on one type of feedback -- from people who say, "You don't understand what it's like. You have young children and not teenagers. Teenagers cost more!" Most of the advice and tips Tawra uses come from me and I have raised two teenagers on a very minimal income. My main goal in raising my children was to teach them to become responsible and productive adults. By the time they hit their teen years they were contributing to the household income, not depleting it.

Are You A Compulsive Shopper?

Oniomania, also referred to as compulsive shopping, is the excessive and uncontrollable desire to purchase items. In the US where spending and credit are part of the national pastime, oniomania is often viewed by others as the oniomaniac being financially irresponsible. This leaves many oniomaniacs to fend for themselves with little to no support when dealing with their problem. Due to this lack of understanding, the disorder can linger for years without sufferers getting the medical attention they need.

Have a Cool Glass of Cash!

If I said I would give you $150 extra a month to help you pay off your credit cards, lose weight and help your family become healthier, would you accept it? Does it sound too good to be true? The average American family spends 1/4-1/3 of their monthly grocery bill on things to drink but can't find any extra money to pay off their credit cards.

10 Easy Ways to Recycle Leftovers

The term leftovers, when applied to food, has somehow become associated with adjectives like bland, tasteless and unpleasant. Just utter the word and watch your children roll their eyes or stick their tongues out in disgust. Well, according to Tawra Kellam, there are plenty of creative and fun ways to turn yesterday's meal into something your whole family will enjoy again! Here are the ten most interesting ways to jazz up a meal the second time around.

Chill Out This Summer

The day moms dread all year long has arrived: the last day of school and the first day of summer vacation. To help moms keep their cool by helping their kids chill out, here are some recipes from LivingOnADime.com

Personal Finance Software is Money Magic

Let's face it. Managing your personal finances can be a difficult task " especially when on a tight budget. Every time you turn around, there's another bill to pay, and before you know it, your entire paycheck has been spent " and then some! Soon, you find yourself drowning in the financial demands of everyday life, and the vicious cycle of living paycheck to paycheck " or worse yet, living on credit " has begun. You ask yourself, "How did this happen to me?"

Can I Afford This?

Its time to replace that old car. Your repair bills are starting to add up to more than the payment would be. But how do you know for sure if you can afford another vehicle?

Yes, You Can Budget!

There are several factors that contribute to budgets failing. The most common is that people just don't want to change the way they live and how they handle their money.

Money Worries?

If you are worrying about your money problems it's time to STOP IT NOW! Easier said than done, huh.