saving money: Are You Paying Too Much for Insurance? - 02/15/12 05:24 PM
When was the last time you reviewed your insurance policy? It may have been a while, since it’s probably one of the last things you want to do once your work week is over. But it can offer you great peace of mind to know you, your family and your business are properly covered. If it has been a while, you may be missing out on saving money by changing to a new or updated policy.
Today’s Equifax Finance Blog post by insurance agent Linda Rey offers good advice for reviewing your policy.
Take inventory of your life. Do you have … (0 comments)
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saving money: Is Your Family's Spending Plan Right for Your Lifestyle? - 02/10/12 04:01 PM
Creating your family's spending plan is an important and fulfilling task to accomplish. It reflects your family's goals, values, and priorities. The Equifax Finance Blog welcomed new Family Money blogger Miranda Marquit this week. Her post about steps and considerations to make when creating your family's spending plan offers lots of good advice.
Marquit does not believe in "Keeping Up With the Joneses". Instead, she recommends thinking about what defines you as a family. Does your family spend time together? Take vacations? Partake in lots of extracurricular activities? From there, you can set goals and prioritize how to allocate your money … (1 comments)
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saving money: Could You Benefit From the Savers Tax Credit? - 09/29/11 02:30 PM
In a tough economy, it's even harder to save money. It's tempting to reduce your 401(k) contributions or to dip into a "rainy day fund" to cover basic expenses. If you and your family need incentives to save, check out Eva Rosenberg's post today on the Equifax personal finance blog. There, Eva outlines the IRS' saver's tax credit, a tax break up to $1,000 for individuals and families. The credit is designed to help people who aren't making the big bucks (under $27,750 for an individual, under $55,000 for married couples filing jointly) but who still contribute to their IRAs or … (4 comments)
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saving money: My New Year's Financial Resolutions - 01/07/11 10:02 AM
Once the New Year begins, it’s all about the ghost of credit card bills to come. And they’ll be showing up in your mailbox in the next couple of weeks.
It feels so good to give, but after the holidays are over, it’s time to rein in your spending and set some new financial goals. I always make some New Year’s financial resolutions, and then at the end of the year I look back to make sure I’m on track with my spending, saving, and charitable giving.Here are the two financial resolutions I make every year: save more and spend less. … (1 comments)
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saving money: How to Save Money at Home - 08/20/10 11:52 AM
Right now everyone is looking to save a few dollars, and who can blame them? With rising unemployment and higher cost of living, people are really starting to feel their pocketbooks cry out for mercy.
While coupon clipping and getting rid of superfluous spending can help, here are a few things you can do within your home that will save you some money.
http://real-estate.equifax.com/2010/08/how-to-save-more-money-at-home.html
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saving money: Save Money for Pinching Pennies - 08/09/10 01:35 PM
My fellow blogger Tax Mama has Eight Tax Benefits for Savers:
When I met Karen, she was earning $17,000 a year. Today, if you account for inflation, that would be about $45,000 a year. (See the nifty inflation calculator at the Bureau of Labor Statistics.)
Karen set aside enough money to buy a rental condominium at Port Hueneme, California, and a vacant lot with a magnificent view at the top of a bluff above Laguna Beach. Her retirement account at work was maxed out, with savings set aside. That was before IRAs were available to people covered by employer retirement … (0 comments)
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saving money: New Home Tech Toys That Will Save You Money - 05/28/10 03:06 PM
Here's an excerpt from my real estate portion of the Equifax Personal Finance Blog on a few tech toys that can help save you money in the next few months:
Summer is coming, and you’re not looking forward to your electrical bills – especially after all the cash you shelled out this past winter.
There are some new home tech toys that will save you money – but you’ve got to do your homework. You have to choose the right home technology, learn how to do some of the work yourself, and make sure you always shop around for the best … (2 comments)
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saving money: Seven Ways To Save On Auto Insurance - 05/26/10 01:32 PM
Here's an excerpt from Equifax Personal Finance Blog insurance expert Linda Rey's post on saving money on auto insurance:
Economy got you down? You’re not alone. But here’s the good news: you may be able to save some cash on your car insurance.
Here are some things you can do to increase your chance of saving money on your auto insurance premiums.
1. Review your policy
2. Keep your MVR clean
3. Take a defensive driving course
And the others? Read the full post on our Equifax Personal Finance Blog.
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saving money: Child-Friendly Tax Credits - 05/26/10 12:43 PM
Here's an excerpt from the new Equifax Personal Finance Blog by TaxMama Eva Rosenberg about child-friendly tax credits. Our blog also includes content on retirement, insurance, real estate and credit.
To read Eva's full story, follow the link to the Equifax Personal Finance Blog.
Whew! Raising children is an expensive proposition. The Tax Code provides some help. I’ve compiled a list of child-friendly tax credits, all of which have income limits.
Among some of these tax credits Eva talks about is the Earned Income Tax Credit and the Child Tax Credit.
Read the full story with many more child-friendly tax … (0 comments)
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saving money: Should I Pay Off My Mortgage With My Savings? - 04/19/10 01:45 PM
Should you pay off your mortgage with your savings? Paying off your mortgage with your savings might seem like a good idea, but it will use up most of your cash savings.What happens if you don't have enough cash to cover emergencies like a car breaking down or a broken heater?
If you have a low interest rate or are paying on the principal of your mortgage, it might not be worth it to use your savings to pay off your mortgage . However, using your savings to pay off your mortgage might save you a lot of … (0 comments)
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saving money: Single Women Heading Households Seem To Be Less Well Off - 12/04/08 11:09 PM
Apparently, it's tough being a single woman who heads a household these days.
The Consumer Federation of America released the results of an analysis of data from the Federal Reserve's Survey of Consumer Finances. Single women head 26 percent of American households. Single was defined as never married, divorced or separated. The 2004 data showed that single women earned a median annual income of $22,592, compared with $43,130 across all households in the U.S. That's a significant difference. Single women's net worth was also lower: $32,850 compared with $93,001 for all households In addition, households headed by single women have … (4 comments)
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saving money: Setting Up a Household Budget: How to Make It Work for You - 11/01/08 01:27 PM
Summary: As the economy tightens, more Americans may be thinking about their household budgets. Household budgets include major expenses such as rent or mortgage payments, but also smaller costs such as cable television. How can you set up a household budget? In this Think Glink column, Ilyce talks about tracking daily expenses to see what you're spending. Ilyce's advice includes using a money tracking software program such as Quicken or Microsoft Money and tracking expenses throughout the seasons and ideally, constantly.
When setting up your household budget, you have to think about big-ticket items, such as how much should you spend … (5 comments)
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saving money: Small Houses Can Save You Money - 10/24/08 03:01 PM
Ten years ago, architect Sarah Susanka published a coffee-table book called "The Not So Big House."
The premise of the book was that we should build smaller, but nicer. It was a counterculture punch to the McMansions sprouting up in developments all over the country, with their double-height ceilings, vast basements , and $100,000 kitchens. Back in 1998, it seemed like a quaint idea to build smaller, but nicer. But Susanka clearly touched a nerve, as her "Not So Big" idea has grown into a multi-million dollar franchise, with several books and a successful website. Just in time for the 10-year … (0 comments)
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saving money: Great Money Saving Suggestion - Food & Groceries - 09/15/08 03:48 PM
I've been talking about how to save money at the grocery store. Some of my suggestions include stretching milk with powdered milk and water, buying the 2-for-1 specials, buying meat and cheese in bulk or on the last day it's good and then freezing half of what you make, buying at the low end of the food chain (beans, pasta, rice, etc.) and more.
Michael called in to say he buys cans of peas for 60 cents, and blends them with a little milk to create soup for two for about 30 to 35 cents each. He can stretch it further … (4 comments)
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