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3 Steps to Find the Right Credit Card for You

Posted by on Feb 28, 2014 in Save It | 1 comment

3 Steps to Find the Right Credit Card for You

There are hundreds, if not thousands of credit cards available to consumers, so it can be hard to determine which are the best credit cards for you. Offering deals like O% APR, cashback and reward points, the array of credit card offerings available can be staggering. While it’s become easier than ever to apply for a credit card thanks to accessibility of online applications and credit card reviews, how do you find the right credit card for your needs? Following these three steps will help get you there. What Do You Need? When it comes to...

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“Choose Something Good This Time!” — Finding Wine Deals

Posted by on Feb 26, 2014 in Save It | 1 comment

“Choose Something Good This Time!” — Finding Wine Deals

Wine… we use it to celebrate all kinds of occasions. We share it with friends, we take it to (dinner) parties, and sometimes we just unwind with a glass after a hard day in the office (hopefully, you don’t have too many of those, though!). On those occasions, we always like to drink the best, but sometimes you have to pay a lot for good-quality wine… or do you? If you love wine and would like to enjoy wine at lower prices, here are a few tips to help prevent this passion for the grape putting you out of pocket. Shop around online An easy way...

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Most Commonly Missed Tax Deductions

Posted by on Feb 19, 2014 in Save It | 0 comments

Most Commonly Missed Tax Deductions

Many taxpayers fail to claim deductions that could lower their tax bills or increase their refunds considerably. The tax code is complex, and there are many obscure and overlooked deductions every year. According to the Tax Policy Center, for example, only 70% of Americans filed for the standard deduction, which could have saved them up to $12,000. Earned Income Tax Credit The Earned Income Tax Credit, or EITC, is available to workers with low-to-moderate income. According to The Motley Fool, the IRS states that 20 to 25 percent of qualified...

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Why Live Below Your Means?

Posted by on Feb 7, 2014 in Save It, Spending and Saving | 0 comments

Why Live Below Your Means?

The idea that you need to live below your means in order to get ahead financially is nothing new. It makes sense, you need to spend less than you earn and save the rest. But most of us fail to do it spending every dime, or more, on things that we think will make us happy. But in the end these things only bring stress and unhappiness, feeding an endless cycle of wanting what you don’t have. Recently I was talking to one of the other Mom’s at my son’s preschool. Our husbands work at the same company which recently announced...

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Kicking Debt to the Curb: January 2014 Update

Posted by on Feb 5, 2014 in Spending and Saving | 0 comments

Kicking Debt to the Curb: January 2014 Update

Last month I wrote about our goal to pay off ALL non-mortgage debt in 18 months…or sooner. We’re one month in, so how did we do? Here are the numbers we started with: December 2013 Credit cards: $924.25 + $419.92 = $1,344.17 Loan #1 (7.25%): $16,436.05 Loan #2 (2.49%): $10,937.66 Total non-mortgage debt = $28,717.88 And here’s where we stand today: January 2014 Credit cards: $0 + $0 = $0 Loan #1 (7.25%): $14,450.08 Loan #2 (2.49%): $10,694.21 Total non-mortgage debt =  $25,144.29 Difference = -3,573.59 I must note that we...

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Creating a Budget That Works

Posted by on Jan 27, 2014 in Save It | 1 comment

Creating a Budget That Works

I’ve been living by a budget for about 5 years now. Over time my budget and, more importantly, how I implement that budget in my everyday life has evolved. After my spending holiday last year, I thought a lot about changes I could make that would encourage and reward me for sticking to my budget. And I’ve come up with a process that so far is working great and motivates me not just to stick to my budget but to actually spend LESS than I allot myself in many areas. But first, if you don’t have a budget and have never created...

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How To Make Your Money Grow With Smart Investments

Posted by on Jan 21, 2014 in Make It | 0 comments

How To Make Your Money Grow With Smart Investments

These days, everybody could use a little extra cash. But with the job market still hard as ever to break into and unemployment rates holding steady as wages fail to increase with the cost of living, people are in need of even more money to get by. So if you could find a way to invest your current funds in intelligent ways that will help your money grow more quickly and steadily, why wouldn’t you jump at the opportunity to do so? Not sure how to go about making your money grow by using smart investment strategies? Then continue reading...

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Free Family Fun: Lowe’s Build and Grow Clinics

Posted by on Jan 13, 2014 in Family | 0 comments

Free Family Fun: Lowe’s Build and Grow Clinics

If you have kids that are into building or crafts, you need to check out Lowe’s Build and Grow Clinics. On select Saturday’s they offer a free clinic where kids build an item out of wood. Past projects include a firetruck, helicopter, bird feeder and the one we did in December, a Christmas Train Engine complete with scratch n’ sniff stickers. Kids are given instructions, a miniature hammer, and all of the parts necessary to build the project along with an apron, goggles and a patch representing what they built. Except for...

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Four Reasons Why Your Business Needs to Accept Credit Cards Online

Posted by on Jan 5, 2014 in Make It | 0 comments

Four Reasons Why Your Business Needs to Accept Credit Cards Online

You have everything set up and ready to go for your online business. The products are on your website. The number of unique visitors to your site is gradually increasing every day. You can see the potential your company has in closing a higher number of sales now than ever before. However, without taking full advantage of the benefits associated with accepting credit card payments online, you won’t be able to reach all your goals. Building Immediate Trust with Your Customers One of the biggest benefits of accepting credit card payments from...

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Getting Serious About Getting Out of Debt

Posted by on Dec 30, 2013 in Get Out of Debt | 0 comments

Getting Serious About Getting Out of Debt

This is the time of year people start setting goals for the coming year and making resolutions. For us we have one goal…get out of debt. While I think we’ll need a windfall to pay it off in 12 months, with focus and a lot of discipline we can definitely do it in 18 months. But I’ve always liked to set aggressive goals and challenge myself to achieve them, so perhaps (and I don’t know how yet) we can get out of debt by the end of 2014. And to hold myself accountable I’m going to document everything here. Goal: Pay...

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