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Why You Need an Emergency Fund

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Money Saver:  In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of. The last thing you want to do is be forced to rely on credit cards or a loan which could simply compound the problem. How Big Should Your Emergency F...

on May 27, 2010 0

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Travel Money

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Money Saver:  Once you’ve planned your trip, it’s time to get down to the details. You won’t get very far without the means to pay for your travels. If you can’t decide whether to bring along a debit card or a sheaf of travelers checks, consider the pros and cons of the many different ways to pay for your travel expenses. Answer: It depends. Let’s look at the pros and cons of each type of travel money. Cash Pros Cash is convenient. If you are traveling in your native country, you don’t need to find banks or ATMs. If you’re visiting another country, ...

on May 18, 2010 1

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Dumbest Things You Do With Your Money

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Money Saver:  Brad Klontz knows all about the dumb things that smart people do with their money: He's a smart guy (with a doctorate in psychology) who lost half of his assets in the technology stock bubble. A financial psychologist, Klontz says that when it comes to money smarts, size matters: The logical part of your brain is so much smaller than the emotional side that it's like "a circus performer riding an elephant." To make smart decisions about your finances, you need the logical side to dominate. But once you get tweaked by greed or fear, that elephantine emotional brain is likely to run amok. ...

on May 8, 2010 0

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Ways to Trick Yourself Into Saving

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Money Saver:  Follow These Tips to Spend Less and Pocket the Money You Save If cheap is chic, then saving is suddenly sexy. America Saves Week (February 21-28) takes on new meaning when the U.S. savings rate, which had dipped into negative territory, headed up to 4.6% last year. The savings rate could climb as high as 6.5%, according to Allianz Group Economic Research. You know you're on to something when investing icons such as Burton Malkiel and Charles Ellis jump on the bandwagon. Malkiel and Ellis are authors of a nifty little book called The Elements of Investing. The bo...

on April 30, 2010 0

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How to Self-Diagnose Your Financial Health

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Money Saver:  You probably get an annual physical. Your doctor will ask about your concerns, take your blood pressure and 30 minutes later you're out of the paper gown and off to work -- maybe with a new prescription for Lipitor. A similar annual checkup takes place in another type of practitioner's office: financial planners. But instead of analyzing your good and bad cholesterol levels, a planner may evaluate your good debts mortgage and bad debts (credit card). And instead of testing your reflexes, they may look at your savings and assess your ability to respond to a financial emergency. "A lot can...

on April 30, 2010 0

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How to Get Refunds for Forgotten Money and Assets

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Money Saver:  Did you know your state's comptroller’s office has custody of an awful lot of unclaimed money: $9.9 billion, spread across some 23 million accounts in New York City alone. That is an average of $430 for each of its residents. Some accounts go back as far as 1944, when this money pool came into being. U.S. wide, the amount of unclaimed money held exceeds $35 Billion. What is so interesting is that so few people are aware of unclaimed money exist. That there really is unclaimed money and unclaimed funds available -- which may belong to them. That there is in fact a huge amounts of it. Th...

on April 26, 2010 0

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How To Save Money And Get A Great Secured Loan

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Money Saver:  Monthly payments, various bills, house improvements, and unexpected expenses - all these can become overwhelming for any person or family. A spiralling and increasing debt becomes a necessity for many who wish to survive this financial assault. But debt has a lot of disadvantages; you are spending someone else's money, which you will have to return, eventually. And debt doesn't come cheap either; the interest rates that are offered by some companies may increase the gravity of your financial situation. Debt consolidation or secured loans are an alternative if you are struggling. Start...

on April 26, 2010 0

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Protect Yourself From Bank Fees

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Money Saver:  Do you use a checking account? You may be paying too much for the use of a checking account and could be saving bundles by switching or eliminating the use of a bank checking account altogether. If you want to save money by using a checking account you need to use it wisely. Banks are happy to have you deposit money for short term use, but they plan on making money through fees somehow. What type of fees can you encounter simply by using a checking account? Personal Finance Problem: ATM fees Most people have an ATM card where they can retrieve money from their checkin...

on April 26, 2010 0

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How Young People Can Begin a Budgeted Lifestyle

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Money Saver:  Switching from heedless spending to a controlled, budgeted way of life is really not easy. If people say it is easy, they are lying - whether they really mean to lie or not. However, the reason why people think budget living is easy is simple - after a while, it becomes a matter of habit. You do not stop to look into the video game parlor, you automatically reach for the drugstore brand of lipstick, and you get used to chipping away at debts and having a little in your account with every passing month. Here is how to begin - 1. Chart your income. Look at the average income you have had o...

on April 1, 2010 0

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Cyber-saving for Christmas-clubbers

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Money Saver:  In some respects, Christmas could be compared to Marmite: people either love it or they hate it. But whichever camp they are in, there is no escaping it, and for many people Christmas can be a very stressful time of year with the expense and pressure of deciding what presents to buy, combined with the task of cooking Christmas dinner for an extended family that may not even get along. This may paint a gloomy or overly-pessimistic picture of what is supposed to be a happy time of year, but it is a reality for countless families. However, much of the burden of Christmas could be alleviated with...

on December 28, 2009 0

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5 Tricks to Make Your Cash Grow

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Money Saver:  Right now we are going through one of the toughest recession and saving money is paramount for the future. With losing jobs are building up continuously, it's a hardship for many people to make ends meet, let alone try to save money. There are 5 tricks you can use to help with savings when there is no money: First of all, you want to budget and you want to do your best to stick with your budget plan. Even though it's one of the hardest things you can do but it must be done. One trick to budgeting is to avoid the budget busters. For example, dont leave home without a shopping list. You dont wa...

on December 28, 2009 0

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Beat Back 5 Financial Fears

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Money Saver:  Everyone's got concerns when it comes to money, but some have fears that can really put a big hole in their financial future. Here's how to overcome five common ones. 1. Fear of coming clean with your partner You know it's bad. So bad you'd really rather keep it to yourself. Why, you figure, ruin your partner's day with news of your mounting debt or the fact that you've been living off your savings? Because if you don't, the truth will out at the worst possible time -- like when you go to apply for a mortgage and realize that your credit score or lack of savings is killing ...

on December 10, 2009 0

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Save Money on Credit, Debt, and Banking

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Money Saver:  Balancing credit cards, student loans, checking and savings accounts can be quite daunting. Make sure you aren't paying more than you should -- and that you're getting all the benefits you deserve -- with these 12 tips Unload Your Burden Carrying a $1,000 balance at 18% blows $180 every year on interest. That's money you could put to better use elsewhere. Get in the habit of paying off your balance in full each month. If you've already racked up a large balance, do what you can to pay it off. This may sound obvious, but it is the best way to save money on those hefty inte...

on December 8, 2009 0

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Six Money Dilemmas

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Money Saver:  As you invest your money, shop for a home or tackle any one of the many financial decisions you have to make over your lifetime, do you sometimes wish you'd paid more attention in math class? Do you find yourself having to "run the numbers" and wondering how? To help, we've taken six common financial quandaries and done the math for you. As you'll see, the solution isn't always black and white, and the "right" answer may depend on things that you can never know for sure, like your tax bracket in 2020 or how much your investments will grow. Plus, at times emotional considerations may tip the ...

on December 7, 2009 0

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How to Earn 6 Percent on Your Cash

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Money Saver:  At a time when consumers can barely squeeze out a 2 percent yield on their savings, offers to earn 5 percent or 6 percent -- on a checking account, no less -- may sound downright sketchy. Yet, those rates are being offered now on checking accounts at a growing number of community banks and credit unions. These so-called "rewards" accounts were once offered by a scattered few banks, but they are becoming increasingly common, says Randy Rosen, manager of deposit research at Informa Research Services, a market research firm that has tracked bank deposit rates since 1983. There are few factors dr...

on December 4, 2009 0

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10 Money Making Tips

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Money Saver:  1. Maintain a good credit score! It will save you thousands of dollars in the short and long term when you need to borrow money to buy a car or a home. Creditors will give you an interest rate and the loan amount based on your income and credit score. 2. Large sums of money should NEVER be left in a checking account or even a low-interest bank savings account. Rather, put the money into a high interest savings account (like an ING savings), money market fund, or other forms of short term high interest investments with a fixed return. 3. If you have an employer matching 401K plan, maximize yo...

on December 1, 2009 0

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Money Transfer Advice For Security And Savings

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Money Saver:  With over 175 million people living outside of their country of origin, the growing usage of migrant workers and the continuation of globalisation the money transfer market looks set to continue its current growth levels of 10-12% per year. Currently the market is already worth over $250 billion with more and more companies organising new and innovative services for transferring money alongside some more traditional money transfer companies. Some of the more well known money transfer companies are: iKobo, Western Union, icici, MoneyGram and E-gold. For newcomers to the money ...

on December 1, 2009 0

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How To Save Money Using Direct Deposit

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Money Saver:  There are several great reasons to utilize direct deposit if your company offers this feature. The first and foremost reason is banking fees. Many banks charge account fees to maintain a savings or checking account in their institution. If you have direct deposit they will waive these fees because they are saving money on the transaction. Processing checks takes time and money and the bank passes those charges on to you. When you have electronic deposit there are no associated fees and they are happy to pass those savings on to you also. The first thing you should do is check with your e...

on November 23, 2009 0

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Personal Bank Loan

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Money Saver:  Usually people apply for personal bank loan when need money from debt consolidation. Personal Bank Loan will cover the amount of money you need. To get this loan you should be in solid financial form, have a good credit history. Moreover you will need such things as loan application, good credit, collateral (needed for a secured loan), supporting documentation, such as proof of monthly income. It’s absolutely necessary to assess your current financial situation. You can do it by listing your assets, detailing your monthly income and deducting any liabilities, expenses or debts. Al...

on September 15, 2009 0

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How to Pay Less For Banking

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Money Saver:  For the last time the way of banking have changed very much because of computers and internet, but one thing didn’t change – the bank fees, that we pay even using online banking.  Let’s try to understand what kind of banking will help you to avoid high fees. Do you pay a monthly fee when save money with a bank account? Even a no-fee account costs you money, because you probably have to keep a minimum balance, to avoid monthly fees. This money could be invested into interest-bearing account or CD and bring more money. A bank can offer yo...

on September 7, 2009 0

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