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If you’ve got some heavy credit card debts, your key priority has to be to pay down some of your debt so that you can start getting financially on top of things again, and you can start planning for the future. A recent article at About.com had some great suggestions for ways you can find some money to start reducing your credit card bills: (more…)

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American families have discovered an almost iron-clad method for debt control and financial well-being: cutting up their credit cards.

Begin by closing all of your credit card accounts. If there are one of two that give you great discounts, keep them, but make a promise to yourself that you will always pay the bill of in full. Then, draw up a budget, and take into account paying off debts, saving for future events, and treating yourself to the occasional vacation or expensive treat. Pay for everything in cash - either with money itself, checks, or your debit card. (more…)

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Even when you’re trying to save, there are certain things that you just have to buy. Something breaks, you have to fix it; somethings needed, you have to get it. The good news is that in times of financial strain, retailers will pull out all the stops to attract customers, offering you deals to get you into the store. (more…)

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As food prices soar to unmanageable levels, one of your best friends should be weekly coupons and, even more often, websites aimed at saving you food money. Instead of spending the American average of $3,240 yearly, spending a bit of time each week researching grocery deals could save you a significant amount. (more…)

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Finding a way to have an additional stream of income, even if it is small, can be a great way to help you save for special occasions or to reduce your debts. If you can get this income stream from something you enjoy doing, then that’s all the better. Yahoo recently published a piece featuring a variety of hobbies that could make you money. From their case studies, we’ve got our own ideas for turning hobbies into dollars: (more…)

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When you’re trying to decide just how to invest your hard-earned and saved money, the options are pretty boggling. If you decide on mutual funds, Joshua Kennon from About’s Investing for Beginners has a few tips that will certainly point you more in the right direction to choose the right mutual fund. Some of his advice includes: (more…)

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Though you may be feeling unsure about your ability to contribute to your retirement fund or cushion your savings account, CNNMoney has tips to help you keep your nest egg on track: (more…)

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If you’ve paid off debt - or even if you haven’t, but are working towards it - then many financial planners recommend that you also keep both a savings account and some kind of emergency fund. But what happens if your car needs a sudden, expensive repair, and you have to have your car to be able to get to your job? Where should you pay this bill from - your savings account or your emergency funds? (more…)

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Asking yourself if you’re on the route to having enough money to comfortably retire is not only responsible, but necessary. You know how much you have in your 401(k), IRA, and savings account, you know how much Social Security you’ll receive and what your pension will look like, but you need to look at several puzzle pieces determine whether you have enough to retire. (more…)

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Try telling someone in their twenties that they shouldn’t spend money on fashion, cars or eating out, and the advice will very likely fall on deaf ears. When retirement is thirty or forty years away, it’s easy to live for the moment and enjoy the “must haves” of young life. But Ginger of Girls Just Wanna Have Funds had some great advice for cheap alternatives to satisfy these desires. (more…)