Manage Your Money> Saving Money
Are you in a position where your cell phone contract is up, and you’re free to shop around? This is the best time to try to grab better terms for your monthly plan. Call several carriers before talking with your current provider to see what they can do for you. Do you still have months and months left of your contract? That’s okay – you still might save a few bucks on your phone bill every month, particularly if you’re paying for an unlimited call plan.(Read more...)
Going to the grocery store seems like it should be a simple weekly chore. But grocery visits are filled with many potential pitfalls, including impulse purchases, forgotten items, and overspending. Become a grocery store expert by following WhatCollegeForgot’s top tips for shopping smartly. Get to know the grocery stores in your area, set a budget, stick to your budget, plan your meals, buy unprocessed foods, find coupons and learn to love the unit price, make a shopping list, and find a few easy recipes that are easy to make.
Five years ago, a college graduate earning squat was easily approved to buy a $160,000 townhome with a low five percent down payment. Unfortunately, those days are over. Loans will no longer be available to anyone with a heartbeat, and if you’re planning on making a big purchase, you’ll be expected to put down more of your hard-earned cash. The need for more cash savings won’t just apply to a home purchase, which means there are several other large purchases you should be preparing for today. Learn what you need to save for and how much to save.(Read more...)
You’ve heard the same old ideas about saving money: eat out less, quit expensive habits, and shop the sale racks. Once you’ve taken those basic cost cutting steps, you may be looking for more ways to save a few pennies. Check out these top ten ways to save money and cut your budget. Ideas include choosing restaurants with big portions and getting smarter at the grocery store.(Read more...)
Saving some cash for unforeseen expenses is just as important as long-term retirement planning. You should keep three to six months of your salary in a savings account in case you lose your job or have an accident that your insurance doesn’t cover. Liquid investments – such as certificates of deposit (CDs) and savings accounts at FDIC-insured banks – are a good way to earn interest on savings that you may need to access in the near future. These investments are also risk-free, which means you won’t lose your principle investment like you could with stock, bond, or mutual fund investments. This article discusses the differences between savings accounts and CDs and helps you choose a risk-free account that's right for you.(Read more...)