budgeting
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Claim Your Lost Money: A Guide to Unclaimed Property
According to the National Association of Unclaimed Property Administrators, state governments are holding more than $30 billion in unclaimed funds. The money comes from the remnants of long-forgotten
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Affordable Housing Options & Resources: Finding Cost-Effective Homes
According to Habitat for Humanity, fully 16 percent of Americans spend over half of their incomes on housing expenses and "roughly one in six Americans are in need of a decent, affordable place t
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Flat Rate Shipping: Is It Always the Best Option? Save on Postage!
Avoid the Flat Rate Postage Rip-Off The U.S. Postal Service tries to portray their Priority Flat Rate Shipping service as a great deal. This is not always the case. Yes, it is easier just to
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Free Manufacturer Product Vouchers: Your Guide to Complimentary Items
Manufacturers' vouchers for complimentary or free products are a great way to try a new product without having to spend your own money. Many companies will allow you to print manufacturers' vo
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The History and Impact of ATMs: A Revolutionary Banking Innovation
If you ask four different people who invented the Automated Teller Machine, or ATM, there is a good chance that you may receive four different answers. Four or more individuals have actually claimed t
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Online Payment Methods: A Comprehensive Guide
Credits cards are the traditional way to make online payments. As online shoppers increase, so do their payment options. According to a 2015 article by Gallup, 35 percent of all American adul
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Find Your Bank Routing Number: Methods Beyond a Check
Routing numbers are nine-digit numbers that identify the financial institution that holds your bank account. If the account number is misidentified, the wrong bank account will be credited or debited.
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Calculate Effective Interest Rate: Understand & Improve Your Returns
Use a calculator with an exponent function to figure effective interest rates. Advertised interest rates are typically nominal rates that are the annual interest rates disregarding any add-on
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Affordable 50th Birthday Party Ideas: Celebrate Without Breaking the Bank
A 50th birthday is a milestone in anyone's life, so when someone you know or are close to is approaching 50, you naturally want to put on a party to celebrate. It does not mean the party must be g
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Understanding Bank Restrictions on Account Withdrawals
When depositing money into a bank account, one expects to have convenient and easy access to the funds. There are times, however, when this is not the case. In certain situations, banks may restrict c
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The Unique Composition of U.S. Currency Paper
What Type of Paper is Money Printed On The paper found in dollar bills isn't like the paper in your printer. In one sense, it may not be paper at all. Where most paper is made with wood p
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Lottery Winnings: Smart Investment Strategies to Protect Your Wealth
Invest Money You Win From The Lottery There's thousands of people that win the lottery. You see people win the lottery for hundreds of millions, then 3 years down the road lose it all. If
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Free Monthly Budget Template for Excel: Download & Simplify Your Finances
An income expense spreadsheet can help you make a budget, track expenses and plan for your financial future. Luckily there are free Excel files that you can download to do all the calculating for you.
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Golf Cart Battery Repair: Fix Sulfation & Restore Power
Golf cart batteries are small 6-volt versions of the 12-volt lead acid batteries used in cars. Lead acid batteries are very reliable unless they are deeply discharged (run down) too often. This causes
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Newspaper Delivery: A Realistic Guide to Earning Extra Income
Delivering newspapers is a lucrative position under the right circumstances. If you can handle working the hours necessary and can multitask, the position may work as a part-time job for you. You must
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Meaningful Birthday Gifts: Budget-Friendly Ideas to Delight Your Partner
Surprise Your Partner On Their Birthday With Cheap, But Sweet Gifts Birthdays are a special time to tell your partner how much he or she means to you. Saying 'happy birthday' can be a
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Understanding Gross Income: Calculation & Importance
How to Calculate Gross Income You may need to calculate your gross income if you're applying for a mortgage or qualifying for a credit card, among other reasons. Lenders typically ask for
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Preserving Receipts: A Guide to Long-Term Storage & Organization
Preserve Store Receipts with Acid-Free Storage to Make These Mementos Last. Store receipts can be an important proof of purchases you claim as deductions on your taxes or they can be a fascin
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Understanding Deposit Methods: Options for Your Checking & Savings Accounts
When maintaining an checking or savings account at a financial institution, it is necessary to deposit funds to the account to increase the balance. This can be done in a variety of ways, from in pers
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Natural Indigestion Relief: Home Remedies & Quick Fixes
Cure Indigestion Naturally If you've got an upset stomach there are many natural cures or home remedies you can try. Before you run to the drug store save money by trying some of the step
budgeting
- Re-entry Resources: Financial Assistance for Ex-Offenders
- Spouse and Credit Cards: Legal Rights & Responsibilities
- Authenticity in Marketing: Building Trust with Consumers
- Food Stamps & SSI: Understanding the Impact on Your Benefits
- U.S. Citizenship Cost: Fees, Requirements & Eligibility
- New Jersey Toll Violation: How to Pay Missed Tolls & Avoid Fees
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Understanding Certificates of Deposit (CDs): A Comprehensive GuideIf you’re looking for a place to invest your hard-earned cash, you may want to consider CDs. A certificate of deposit—or CD—is an account where you deposit a lump sum of money for a...
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Depositing Business Checks: A Guide to Safe and Successful TransactionsDeposit a third-party check according to your banks guidelines. Many banks refuse to accept third-party checks due to an increase in financial scams. However, your chances of cashing a third-...
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Apartment Rental with Bad Credit in New Jersey: A GuideBad credit makes renting an apartment in Jersey a challenge. While landlords look at several factors, your credit history documents whether you have made previously required payments on time. Delinque...
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Protect Yourself: Dealing with Payday Loan Harassment & ScamsOverdue payment notice with pen. Two different scenarios occur that lead to payday loan harassment. You might have taken out a payday loan, not repaid it, and now collectors are harassing you...