Saving on a Tight Budget for 2015 and Beyond

When you're on a tight budget, you probably aren't thinking of building your savings. Learn how to stay on budget and make space for the future!

Saving money is especially hard when your income is low or your necessary expenses high. Living on a tight budget in general can cause stress, fatigue and financial insecurity, which in turn will lower your quality of life. Thankfully, there are always ways to improve your financial situation, by either cutting on expenses or finding […]

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Buy vs. Lease—a Contrarian View

Are you considering trading in your current vehicle in 2015? Learn more about the lease versus buy debate!

Misconceptions abound in the lease versus buy debate. Conventional wisdom suggests that leasing is the least expensive alternative. However, that is a generalization and like many broad-brush statements, following it as gospel will not serve you well.  In the following paragraphs, we’ll give you the contrarian view and tease you with possibilities you might not […]

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2015 Personal Finance Hacks

Make a real change in the New Year, hack your personal finances and take charge with these tips!

It’s dangerously close to the end of the year, and the next thing you will hear is all of the so-called wisdom on New Year’s Resolutions, Goal Setting and that sort of thing. Yet, as you probably know, for the vast majority of people, New Year’s Resolutions, Goals and Plans for the new year tend […]

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Cash: An Appropriate Gift for the Holidays?

It's never easy to pick out a thoughtful, carefully selected holiday gift for everyone in your life. But is it in poor taste to give cash gifts?

Well, it’s Christmas once again and whether we like it or not, decisions regarding gifts for countless relatives, friends and co-workers, not to mention the mail-carrier, hairdresser, pastor and sundry others must be made. For too many of our readers, these decisions are not on the radar. Making ends meet from paycheck to paycheck is […]

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Avoid The Grinch – Your Gift Card Gotchas Guide

Ribbon on gift.

Tis the season, you know! Black Friday madness, crowded shopping malls, out of stock toy stores and all of that sort of thing. Along with all of this holiday shopping excitement don’t be surprised if you are bombarded with heavy promos for gift cards. Of course this makes sense if you think about it. Retailers […]

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Stop Being a Truffle Pig for Your Bank


If there is one thing we can all agree on, it’s that no one appreciates being used and abused. However, we permit banks, credit card companies and other financial institutions to do just that. For example, we direct deposit our paychecks, disability, social security and tax refund checks into bank accounts. Yes … it is […]

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