Not So Frugal Newlyweds?My husband and I have been married for just over a year and have shared a bank account for just about half of that time.
Money Advice WebsitesThe government has several website to help you learn how to save/spent/invest wisely, as well as avoid fraud, id theft, etc.
Losing a Money Order?My friend has closed her checking account and she uses money orders to pay her bills. She hates waiting to see of a check/debit has cleared. If you buy a money order from the post office and lose it, is it easy to track? Will the post office reimburse you promptly?
Free Resume Template?I am looking for a good resume template. Anyone know where I can find one?
Health Insurance Options for 25 Year Old?I am 25 yrs. old. I am a full-time student and only work part-time. I think I am too old for Medic-aid. What are some other options? If I have to go to the crowded health department, I will. I've been without insurance for over 2 years so I'm pushing my luck. Keep in mind, I don't have the money to pay for a plan.
Has Anyone Used Cashcrate.com?Does anyone out there go online to try and bring in extra money? I've heard a lot of buzz about cashcrate.com. I went to the site and tried to do some surveys. Don't think I actually filled out a survey. Had to sign up for a bunch of junk email that took about 10 minutes of my time to get paid 40 cents.
Saving for Next ChristmasI noticed today at the grocery store we sell gift cards you can keep loading. Hey, everyone needs groceries! So I decided after Christmas I am going to get one and put $5 on it every payday.
Should I Close My High Interest Credit Card Account?I have recently paid off all my credit cards. However, there is one that is still accruing a $10 monthly fee. The interest rate on the card is 33%. Should I close the card out and if so will it hurt my credit score?
How to Sell Gene Dolls?I'm wondering if anyone has any ideas about how to sell Gene dolls, outfits and accessories. I am helping my elderly sister liquidate her collections and of them are Gene Marshall dolls, outfits and accessories.
How Has the Cost of Gasoline and Oil Affected Your Life?With gas at record high prices and due to go up more with the price per barrel at an all time high, how much more are you spending on gasoline now than you were at this time last year? How much more is your heating oil costing you if you use it? How has this affected your overall budget.
Who Can Buy and Receive Food from a Food Bank?Does anyone know if you have to be a non-profit organization to receive/buy food from your local food bank? Or can anyone buy from them? Such as a large family (9) with an annual income of $40,000 qualify?
Do You Need a Credit Card to Establish Credit?Two years ago I found out the person who was supposed to be handling my finances never did. So, at the age of 54, I had to start over from zero. I recently got my first credit card and I'm sorry I did. This company is a monumental pain to deal with. I've thought of switching but everybody says all credit card companies are the same. Do you really need a credit card to establish credit?
Getting Started Trading Stocks?Does anyone do their own stock trading / investing? I am looking for advice to get started on a very, very small scale. Thanks!
Looking for a Safe, Economical Apartment Near Birmingham, AL.Does anyone know of a safe, economical apartment on the south end of Birmingham, Homewood, or Vestavia, Alabama?
A Change Jar for ChristmasI put all my change in a jar from one Christmas to the next. I always pay with bills, this way I get more change to put in my jar. When I'm ready to do my Christmas shopping, I take my change to the bank and cash it in for bills or put in my account.
Repaying Cigna for Disability Overpayment?My husband received his retroactive back pay from Social Security. He was supposed to forward it to Cigna, as repayment for overpayment of long term disability received from Cigna.
Spending Money on Things You Don't Need?What do you do when you get the urge to go out and spend money for things you really don't need? I'm not usually like this, but we've been snowed in for a week and now I want to go to Disneyland! Aargh!
Saving Money to Buy an Expensive Item?How can I save up money for a small project? I want to buy a treadmill for $700. I will be taking out $100 every time I get paid for this project. Where can I save/store the money until I get $700? I do not use credit cards and I like paying for things cash. Is the green dot prepaid debit card something I could use?
Is It Legal for the Owner to Keep 10 Percent of My Tips?I have a question. I work as a waitress and the owner is the cook. He takes 10 percent of each waitresses tips every night. Is that legal?
Deep in Debt and No Way to Pay?I'm disabled and my husband is retired. We have very low income. Our credit card debt is about 100,000.00. We stopped paying creditors. So far they call all day and ask for money.
Creating a Budget on Waitress Wages?I am about to move out of my parent's house soon. I am trying to form a budget and need some help. The problem is that I am a waitress, so my net pay can vary immensely from week to week. I'm trying to figure out how much I can afford for rent each month. Any thoughts? Thank you.
Online CNA Course?I'd like to take an online CNA (certified nurses assistant) course, does anyone know where I might find one? Thanks!
Balancing Bills On One Salary?If I want to begin living on one salary and I have 2 car payments, insurance and rent, how do I do so?
Getting A Job At The Port Of Tacoma?I am a hostler for a large logistics co. How do I get a job at the Port of Tacoma?
Cover Letter and Resume Examples?How can I get example cover letters and resumes for waiter and waitress work?
Getting Back Into Nursing Job After a Long Absence?I am an RN in Illinois with a current license. My problem is that I have not worked in the past 9 years. I did speak with 3 nurse recruiters at local hospitals and they all recommended I take a refresher course. None of them could tell me of any so I had to research myself. I found 2 online but you have to arrange your clinical rotation yourself. The other one isn't exactly local and these cost between $1000-2000! I don't have that kind of money.
Write Your Name on Customer's NapkinI am very bad at remembering what my wait person's name is at restaurants. Recently when at a restaurant, I noticed after the waiter placed my soda on the table, that he had printed his name on the paper drink napkin. What a great idea!
Buying A House With One Income?I'm 32 years old, recently divorced and have moved back in with my parents. I currently make close to $41,000 a year. I can't seem to buy a house with only one income. I'm not looking for an expensive house, $79,000. I was wondering does anyone know how I could reach my goal. I have also saved money but if you make $2000 a month, pay school loan, car loan and insurance (close to $800 a month) the house mortgage (close to $900) that leave only $240 left at the end of month. Please help me.
What Should We Do With a Truck That We Can't Afford?We are upside down on a truck. We need to relieve ourselves of this monthly payment. It is too much for us to handle. Is the best way to turn in the truck and make monthly payments on the remaining balance? Does anyone have any ideas?
Link: Get The Best Electrical Rate In TexasHere in the Dallas, TX, area we have www.powertochoose.org (The Official Electric Choice Web site of the Public Utility Commission of Texas). You input your zip code and it shows a list of electricity providers for your area and their rates. There are a lot more providers than you might imagine, all using the exact same electric delivery company.
Ways to Raise Money for a School Trip?My class is going on a trip to Washington D.C.. What are some good ways for me to raise money if I'm under the age of 15?
Baby Boom Couple Wanting To Down Size?Baby boom couple wanting to down size. We want to sell antiques, Xmas tree decorations, tree, chain saw, Waterford collections, Lionel train set and tracks. Lots of other stuff. What is my best avenue to accomplish this in the next 6 months?
Reviews Of Ebates.com?Has anyone used Ebates.com? It's an online company that pays a small percentage to you when you shop online through them. They listed about 900 stores. Any thoughts pro or con. Thanks!
Putting Money From CD Into IRA?I made a really stupid mistake a while back. I closed an IRA upon maturity to move it to another bank with a better interest rate. I got a check for the full amount, took it to the other bank, and mistakenly (and stupidly) opened a CD instead of an IRA. This account now matures tomorrow and I need to know what to do with the funds at this point. Can I now close the account and re-open it as an IRA? Thanks for any suggestions.
Verizon DSL Plans: "Price Guaranteed For Life"?I am interested in getting Verizon for my DSL computer service. I am looking for an offer for life of $14.99. Some people have gotten this, yet when I contact customer service, I am told the only available plan is $19.99, and only guaranteed for a year. Does anyone have info on the $14.99 deal? This would be applicable to Northeastern PA area. Thanks for your help.
Beware Of Fraudulent Billing PracticesTelephone companies like to pad the bill, and claim that 'you requested' this/that feature. Read them the riot act.
Major Store Identity Theft WarningSome of the accounts hacked include: TJ Max, BJ's Wholesale Club, Office Max, Barnes and Noble, Sports Authority, among others and keep a daily review of your accounts.
Abundant Living System?What do you know about Abundant Living System that makes it legit or a scam?
Website With Opened Package Discount?I once visited a web site that sold items discounted because the package had been opened. I was looking for sheets at the time. Anyone familiar with this site? I never bookmarked it. Thanks.
Calculating Grocery Savings?I am trying to find a store that will list average grocery store prices of popular items. We are going through tough times in our household with food and budgeting (my hubbie was in the mortgage business).
College Grant Advice?Are there any grants or scholarship available for those high school students applying for college who don't qualify under financial need criteria?
Survey Advice?I am curious about doing surveys. Is it safe? Is it worth it? Are there any groups to stay away from? Does one really get good products free? Any catches I'd need to know about?
Declaring Foreign Money During Bankruptcy?Someone I know is going bankrupt in the US. If they have a little money in Canada do they have to declare this money in the bankruptcy?
Making Extra Money While Working Full Time?I need suggestions on how to earn an extra fifty dollars a day or five hundred a month in my spare time. Two hours a day for five days a week would be my best option for time commitment since I work a full time job on the night shift currently. Thank you all for your time and help.
Saving Money on Cars?Tips for saving money on buying a car as suggested by the ThriftyFun community. Do you have any strategies keep you in reliable transportation without spending a bunch of money? Post them here!
Transferring Credit Card Balances?Is it wise to move the balance of a higher interest rate credit card to another card at a lower rate? What are the pitfalls?
Walgreen's EasySaver BookletI like saving money when buying beauty items, cleaning items, etc. and I love Walgreens Easysaver books. They come out every month and have coupons as well as refunds many for FREE items.
Making Extra Money For The Holidays?How can I get extra money for Thanksgiving and Christmas because I need extra money?
Subtract Savings FirstIt seems the more I made the more I spent, until I decided to try a special way to save money. Each month, when I get paid, I subtract an amount of money that I am going to try to save.
Can I Find Better Health Insurance?My husband's work is changing our insurance to a high deductible ($2600 for the family) insurance. It will start in Jan. I am looking for anyone who has gotten their own insurance that is better. If we go with this I will be terrified to take any of us to the doctors, as we would not be able to afford it. They keep taking away and making our health insurance go up with less and less coverage but they have not given him a raise in 3 years. However, I am thankful he still has a job (for now).
Discounts for People 55 and Over?I am looking for discounts for people age 55 and over. Any suggestions? Please!
Helping Your Adult Children Buy Real Estate?My husband wishes to get our 4 kids a start with equity. The oldest kid is close to buying a house, though one isn't picked out yet. He's thinking about a duplex to help pay the mortgage. My husband want to help buy 1/2 of it, breaking that 1/2 of it up into the 5 shares that represent the rest of the family. There are so many different situations that I can think of that could complicate this set up.
Longshoreman Jobs in Florida?I am looking for a longshoreman job here in Jacksonville, FL. Can anyone give me tips to find one?
Tax Forms Show Different Refund Amounts?On 1/17/09 I e-filed my Federal taxes with one site (turbotax). Early this morning 1/18/09 I logged into another site that offered free state filing. Keep in mind it was 3am, so 1/2 way through I realize it's a Federal form. The issue: the 2nd form offers $500 more than the one previously e-filed (yes, same exact info: deductions, wages etc.) I have not submitted the 2nd form, but any thoughts as to how I get the additional refund money? Thanks in advance!
Jobs Working with the Elderly?I am just starting out in the gerontology program and I'm trying to find my place. I would like to work with elderly who are still fairly active and healthy. I have an art and design background, have done construction, love to travel, read and listen, dance and play. Are there opportunities for me?
Paying Back Taxes?So I was self employed for 2 summers making about $7000 each summer while I was in high school and I never paid in the taxes I was supposed to. This year I worked for two other employers making about $10,000 from one place and $2-3000 from the other place. Is the government going to keep my tax return to help credit it to what I owe?
Budgeting Groceries for a Family of Four?I was wondering what a family of four spends on their grocery bill each week. I live with my husband and two daughters aged 9 and 13. I have worked out a new budget this year as we want to make inroads on our mortgage. I have budgeted to spend AUD 150 per week on food including pet food.
Filling Out a W-4?I am a newlywed and a bit confused on how to fill out my W-4. When I was single my employee helped me fill out the W-4, later to realize she put 3 dependents on me so I had to pay the money back.
Making a Family Food Budget?My husband and I run a small business. We are a family of 3 and really being affected by the recession. I really feel alone in this budgeting process. I do not have anyone to talk to about this, so I could really use the help. Is it possible to live on a food budget of $50 for 3 of us?
Take Seasonal Photos Of Your HomeHere is a tip that you should begin right now, in the event you ever decide to sell your home:
Getting Ready for Tax SeasonDuring the year keep a running tab on how much you have spent on all medical costs including prescriptions, doctor visits, dental visits, co-pays etc. I also keep my statements and receipts together with this list in a folder.
Teaching My Grandson About MoneyI am trying to teach my grandson about money and how to be savvy with it. For Thanksgiving, I gave him 3 one dollar bills. His father took him to the dollar store and let him buy a gift for his mother for Christmas.
Creating a Budget for Buying a House?I need to put the money I'm paying for rent into buying a house. Surely if I can afford $750.00 rent, I can pay for a house. However, I need to get a budget plan with contingencies. I currently pay rent $750, car insurance $60, utilities $400, and groceries/gas/misc. approx. $100. My weekly income is $380.
Utilities: What's Mine and What's Theirs?At the moment when the phone line to your home stops working, you don't expect a large bill for repairs. After all, isn't the phone company's responsibility? My company offers a repair plan with a monthly fee; is it worth it?
Health Insurance for College Student?Our daughter, despite being a full-time student, is being kicked off our health insurance as soon as she turns 22. The student insurance offered through her university looks like mediocre coverage with high co-pays for about $100/month.
Tips for First-Time Homeowners?My husband and I are in escrow right now and just signed final loan documents. Lord willing, we will be receiving our key on Monday, 3/2. We have never been homeowners before. We are in our mid-late twenties with an elementary age child.
Product Review: Makemoneytakingsurveys.orgThis product is a complete let down. I purchased it about 3 weeks ago and have not made a cent. All that comes with this product is a database of survey companies which you can access your self in a very short search of the net.
Monthly Budget Sheet?I need a layout sheet to budget my monthly bills and expenses.
Refiling for Chapter 13 Bankruptcy?I filed chapter 13 but it was thrown out when I fell sick and couldn't make payments due to no job. Did I make it worse on myself or do I just do it over again?
Product Review: Capital One No Hassle RewardsFirst, a warning. ONLY do this if you have the cash on hand to pay off your credit card balance at the end of each month. Otherwise, you will be paying interest, which defeats the point.
Questions About Stimulus Tax Cuts?My office manager has notified us that the stimulus package result of us getting $13-14 back will be then taken back from us in taxes next year. She suggested we fill out a new W4 and request that money not be put in our take home pay.
Jobs With Better Income?I am a 24 years old male living in Los Angeles, CA.I am currently living paycheck to paycheck. I have been thinking about going back to school to pursue further education, in the hopes to live a better life. I am looking for suggestions of good paying jobs.
Being a Cosigner While on Disability?I cosigned for a car and am now on disability. What should I do?
Holding On to Paid Bills?Why hold on to paid bills?
No Shredder? Burn Your Personal PaperworkClearing out that pile of old bank statements, getting rid of old paystubs or old income tax forms?If you have a paper shredder, you're good to go! I don't have a shredder, but I do have a chiminey!
Second Mortgage on Foreclosed House?I had a house in GA which is foreclosed. I also had a second mortgage on it for $36,000. The collectors are calling me daily to pay the debt. Am I required to pay back the 2nd mortgage even though it was secured against my house?
Advice for Changing Careers?I graduated from college in 2001 with a liberal arts degree. I now work as a Disability Claims Specialist but I definitely would rather be in another field that is more rewarding and also give me more of a feeling of self accomplishment and professionalism.
Environmental Jobs in China?I work in an environment agency in a central city of China. I hope to find a part-time job at home which can improve my living. I would like a job that can push forward the environment enterprise in our province.
Credit Repair Company Reviews?Do any of these "credit repair" companies actually work?
A Handbook for SavingsIf you made a resolution to surround yourself with responsible spending from now on, a set of spending rules can come in handy. Learn them, live by them, and watch them save money.
Will Filing for Bankruptcy Affect a Judgment?I have a friend who is having financial problems. They started a long time ago and have escalated since a recent divorce. He really needs help and I cannot advise him.
Advice for a First Time Home Buyer?I live in the Iowa City area housing market. I am a single mother of two boys. Thanks to my remarkable storage techniques, we have successfully lived in a two bedroom apartment for the last 8 years.
Does Your Age Affect Your SS Disability Benefits?I've been on SS disability for some time. Does turning retirement age increase your income? If so do you have to apply for it or is it done automatically?
Financial Assistance to Purchase a Car?Is there any kind of help out there for purchasing a car? I am disabled and on a fixed income and I need some kind of help with money purchasing a car.
Selling a Diamond Ring?Is Craigslist a good way to sell a diamond ring?
Getting a Loan Modification?I need to get a loan modification, but am afraid of getting ripped off. Does anyone know of a loan modification company that is honest? Thank you.
Buying a House With Back Owed Taxes?How can I acquire the tax owed home list?
Disability and Long Term Care Insurance?I have been pretty busy online checking ratings, reviews, etc. of disability and long term care insurances. I am wondering if any of you would care to share advice on Genworth, through AARP.
Tax Free Weekend?What time is tax free weekend?
Reporting Contest Winnings to IRS?Does anyone know what the rules are about winning various contests in regards to reporting the winnings (whether cash or a prize) to the IRS? Is there a minimum amount allowed that you can win that you do not have to report and declare.
Link: Shoeboxed.com For Storing RecieptsI have to keep all my receipts for tax purposes. I hate searching though files of them and have found that it is so much less clutter and easier to find by using shoeboxed.com.
The $20 Money DietMy wallet, checkbook, and debit card have all gone on a diet. It's like a low carb diet, except it's a low dollar diet. Anything that costs twenty dollars or more isn't on my diet plan.
Buying a House in Foreclosure?My daughter is thinking about buying a house in foreclosure in New Mexico. Does anyone have ideas about what she needs to think about or do before making an offer?
Finding The Best CD Rate?Where is the best place to get a good CD rate at present time?
Recommended Reading for Financial SecurityFor anyone who wants his/her life to include financial security, I highly recommend the reading and putting into practice the suggestions made in the book by George S. Clason, "The Richest Man in Babylon".
Paying Bills During Financial Hardship?I'm wallowing in debt right now and at a place I never thought I would ever be. Five years ago my fiance's house burned down and he lost everything and came to live with me while he tried to rebuild his life and his career.
Triple Coupons?What are triple coupons? I have heard of double coupons, but not triple. I live near Akron, Ohio and I would like to know where I could find these? Thank you.
Choosing Companies to Invest In?How do I choose which companies to invest in for the short term, based on market share?
Gas Only Credit Cards?Are there any gas credit cards to limit purchases/use to gas only?
Online Pay Day Loans?Has anyone tried to get a payday loan from usainstantpayday.com ?
Retaking the Longshoreman UTR Training?I was one of the lucky winners that got my name pulled in the lottery. I went through the orientation, passed my lashing test and when I waited for my name to come up for my UTR training, but it never came up.
Increasing Direct Sales Client Base?I started selling Avon a month ago, feeling very confident. I have only made 90 dollars. How can I sell more? I can I make my client base larger?
Property Tax Lien on Foreclosed Home?I lost a house to foreclosure in 2005. There were property taxes owed on the house at the time of foreclosure. The house has been purchased by new homeowners now. I don't think they are renting.
Financing a Treadmill Purchase?I am looking for senior financing for a $300 treadmill. Does anyone know where I might find financing, so that I can make payments?
GeniusFunds.com Investment Company?What do you think of this investment company: geniusfunds.com? Does anyone have personal experience with them?
Renegotiating a Mortgage After Bankruptcy?We are currently in credit counseling, and we have been thinking about bankruptcy. We are up for renewing our mortgage in Aug. We need to bring down the rate at which we borrowed.
Taxing a Retro Active Raise?I received a 3% raise retro active from 01/01/09. My employer taxed it at the gift tax rate. Is this legal? Should it not have been taxed as regular income at the individual tax rate?
Claiming Unreimbursed Work Expenses on Taxes?I work for a company that pays $400.00 in expenses a month towards mileage and up keep on my car. I drive way over what I get a month. How do I handle this at tax time?
How Long Should You Keep Receipts?How many years should shopping receipts be kept?
Making a Budget Tracker?How can make a budget tracker without purchasing one on the internet?
Reducing the Cost of Orthodontia?Does anyone have a tip on how to reduce the cost of orthodontia? I have three kids and was just quoted a total of $15,000! Even with insurance, that is way more than we can afford.
Buying Cheap Milk?Where is the cheapest place to buy milk by the gallon in central Irving, TX?
Looking for "Work from Home" Sites?I am looking for "work from home" sites, where you can make money without paying up front.
Check Outlets with Hair Dryer On New Home Walk ThroughWhen doing a walk-through on a "soon to be yours" home or apt, bring along a hairdryer. It's an instantaneous way to check if the electrical plugs are working. The instant "whirr" will let you know to go on to the next outlet!
