Associate Money

What Is Left Unsaid During Obama's China Tour

2009-11-21T03:20:27.159-08:00

When you are indebted to others, especially your strategic but at times dangerous competitor, it is rather hard to make a stand on critical issues concerning Americans.

The prudent way is to get the budget in order and strive to reduce the federal debts which have exceeded $12 trillion dollars.

US debts is now close to the statutory limit but Congress will ultimately adjust the ceiling and not send the US government into crisis.

Everything will be fine. However, the kindness of strangers is less predictable.

When it is taken away at an inopportune time, Americans could suffer terribly as the US government either borrow at sky-high interest rates or when nobody wants to lend, then the important civil services have to shut down.

Money Mangement As You Approach Retirement

2009-11-21T03:05:18.285-08:00

A key element to successful money management is to live within our means. That is easier said than done in our culture of instant gratification. Fulfiling our basic needs is taken for granted and we desire luxurious comforts before we have saved enough money to afford them.

For those who are apporoaching retirement, it may seem that you have finally established yourself financially and deserve some indulgence. But retirement needs (like medical cost, insurance, vacation, gifting, etc) may have been underestimated and there could be outstanding debts to pay off.

The best way to ensure a comfortable standard of living during retirement is to master our money management.

Paying off the past

To live within your means, you need to implement responsible money management by paying past debts first. As an example, your children’s college bills may still be outstanding. If you used PLUS loans (federally sponsored education loans for parents), you have standard, graudated, extended or consolidated repayment options to choose from.

You probably want to pay these loans off as soon as possible, so you are not burdened by debts when you are retired, which usually means a loss in employment income.

Investing in the future

Most people should have accumulated a comfortable retirement nest in the few years prior to retirement. There are surplus cash but if you succumb to an extravagant lifestyle, you could jolly well outlive your retirement funds. Prudent money management is extremely important.

That is not to say you should not splurge on yourself (like buying gifts or a vacation) during retirement if basic living expenses are well taken care of. Investing in the future is also necessary (but on a more conservative note) as a inflation hedge and to protect your purchasing power.

Staying smart

For the first time in many years, you may be responsible for just your spouse and yourself. Your kids are out of the house and starting their careers, so they no longer need you financially.

With this money now freed up, it can be easy to fall prey to impulse buying or folly ventures. Of course, if you can afford it, it is not bad money management to spend on your wants every now and then. But, you want to stay smart and continue to place your needs over your wants.

Avoid Credit Card Debts

It is of the utmost importance now, with retirement approaching, to avoid credit card debt. Whatever you purchase, make sure you can afford it and that it does not take away from your retirement savings.

Wrong Lesson From Financial Crisis

2009-11-15T03:58:32.169-08:00

Benie Madoff's loot is going under the hammer in New York and most of it fails to impress.

Maybe that is why some bankers are upset that they have backed the wrong person.

It is a pity they are counting their losses but I think the wrong lesson has been learned from the financial crisis. Who cares where these despised bankers invest their bonus?

Crux of the matter is whether they deserve to be paid astronomical bonus for taking huge risks...

15 Most Stressful And Underpaid Jobs

2009-11-10T16:58:34.597-08:00

1. Social Worker (Median pay: $43,200)

Social workers step in when everyone else steps aside to help people and families in vulnerable situations.

They provide patients with education and counseling, advise care givers and make referrals for other services. And with social workers in short supply and programs underfunded, few must juggle the work of many, while reaping little reward.

2. Special Events Coordinator (Median pay: $35,900)

Planning a major event or party is a ton of work, and can easily turn into a real circus if you don't hire a pro to pull it all together.

3. Probation/Parole Officer (Median pay: $38,400)

Looking for a challenging and stimulating work environment? How about working with convicted felons?

Keeping ex-cons in line is certainly no easy task, but the work can be rewarding. Probation or parole officers help parolees and probationers get back on their feet, with everything from rehabilitation plans to education and employment arrangements.

Read more about the rest of the overworked and underpaid professions here.

7 Tips To Save Money On A Vacation

2009-11-15T03:37:17.722-08:00

With unemployment at a 26 year high of 10.2%, now is the hardly the time to talk about a vacation. But there is no need to deprive ourselves of an opportunity to recharge our batteries when we have been slogging throughout the year.A vacation is also a nice reward for our discipline in adhering to frugal living. If you have been budgeting for a vacation, the current recession serves only to spark your creativity to get the most out of every penny you spend.Here are 7 tips to stretch our dollar while having the best vacation ever.1. Comparison shop for best dealsCheck out websites such as Expedia, Trip Advisor and Sell Off Vacations for deals on hotels, attractions and cruises. I like Trip Advisor for the in depth reviews for each hotel and you can easily ascertain which hotel offers quality service without bursting your budget.Even though these comparison websites are useful guides, I have a habit of checking out the airlines and hotels websites before I make any payment. This is to see if dealing direct with them will yield a better price.2. Membership discountsIf you are a member of the CAA or AAA, these memberships can get your further discounts on hotels and rental cars. Stop in your local branch before you buy any free maps and travel brochures.3. Don't Bring Unnecessary StuffDon’t bring more clothes than you really need. Try rolling them up so that they fit into lesser bags. Many airlines charge for extra bags, so the lesser stuff you bring, the more money you save.At the same time, make sure your bags are not overloaded as they strain the airline’s weight limits and they’ll charge extra for that as well.4. Hotel StayI like to plan a hotel stay with complimentary breakfast. Breakfast is the most important meal of the day and give us the energy for all the touring and shopping. Having your breakfast free-of-charge is definitely the best way to save money.I love a Continental breakfast option which offers nice buffet with a multitude of delicious breakfast options. If not, I will settle for free orange juice, coffee and doughnuts.If your days are jam-packed with fun sightseeing adventures, you should have a filling breakfast before setting off. Otherwise, sit down and enjoy every free amenity the hotel has.5. Plan your destinationsYou can look for coupons on the websites of attractions or restaurants you plan to visit. Almost every zoo, museum or amusement park has discount coupons on their websites.At the amusement park, you might want to bring some snacks and bottled drinks in a backpack or purse. The prices at the parks are amazingly expensive.If it is a beach destination, have a look at all inclusive resorts. With food, drinks and the many activities included, this will save us from burning cash throughout the vacation.6. Travel in the off-peak seasonThe off-peak season has fewer crowds at most tourist attractions but more importantly, it can save you lots of money on airfare and hotels.7. Avoid using credit You have been shunning credit cards and avoided falling prey to their exorbitant interest. There is no reason why you should break that prudent habit on a vacation.I know the temptations for impulse buying is especially great when we are on a vacation, what with all the local souvenirs, clothes, shoes, gadgets, etc. but just remind yourself of the massive credit card bill at the end of the day. [...]

10 Money Saving HDTV Shopping Tips

2009-11-08T05:50:38.247-08:00

Musing About Thrift

2009-11-08T05:48:00.241-08:00

One of the best way to save money is to be less wasteful. Now, saving a few pennies from not buying snacks or coffee isn’t going to make us rich, but thrift gives us the right values in life.

Being thrifty means we hone our money-saving skills and apply it to different situations. When we use enough of these skills in enough places, the savings can be substantial.

There are many ways to reduce wastage, for example using less electricity by switching off the lights and air-conditioner when we are not around, cooking less food which reduces leftovers and household grocery bill, or to drive less to save on fuel and maintenance.

You can also use lesser toilet paper as well as dishwasher and laundry detergent without becoming more dirty.

Has thriftiness made you a better person in life?

We Survived Black Monday...

2009-10-20T21:48:10.321-07:00

22 years ago, on this day, this was what happened to the stock market... a plunge which rocked the financial world.

We survived the scare for now as the Dow Jones Industrial Average is still above 10,000 and with no sign of slowing down.

But for how long will this bullish momentum stay intact?

Disconnect Between Wall Street And Main Street

2009-10-20T22:04:12.057-07:00

Wall Street have no qualms about enriching themselves and getting fat bonuses. Who cares about the struggling masses on Main Street?

Don't bother telling them your troubles... it is just too bad you have no money to organize lobby groups.

Cash For Clunkers Withdrawal

2009-10-20T22:03:50.329-07:00

Is this what happens to consumers when Cash For Clunkers program is withdrawn?

But don't worry, there could be another round if the economy goes into a double dip recession.

Save $1000 in 30 days, Is It Sustainable?

2009-10-20T21:39:43.013-07:00

I don't know about you guys but this is a tough challenge even if I consider myself a frugal guy.

We may be able to save $1000 for one month but to do it consistently is nearly impossible. Also, you need to have lots of disposable income and hence, expenses to whittle down in the first place. If your total expenditure is less than $1000, you cannot achieve the target

I believe the biggest expense item for most people is mortgage payments or rental but if you skip it consistently, you may soon end up in the streets or depend on free lodging from friends and relatives.

Overall, the idea is good, even if you cannot save the entire $1000, saving $500 is better than nothing. But realistically speaking, we should think of saving money in terms of percentage of our income rather than the absolute amount.

Charity In A Recession Is More Meaningful

2009-10-08T06:52:19.595-07:00

Is the end of recession here? From the recent slew of "bleak" economic data, I remain pessimistic. In fact, I don't want the recession to end too soon, lest we forget important lessons from the financial crisis and go back to our spending binges.I believe many Americans are still staying true to their newfound frugality. They are cutting back on expenses and setting aside money to weather turbulence in the coming months.However, it is one thing to save money but quite another when our frugal living gives rise rise to an uncaring society where there is little room for charitable giving.I can understand during a recession, charity work is among the first expense to be sacrificed. That is hardly a tough decision; after all, you have to make ends meet first before helping others.But charity is even more important during a recession. People who are living at the lowest rungs of poverty are affected more by rising costs or the loss of income. Every dollar counts for them.Forget about the idea that only the wealthy can afford to be charitable. So long as you have a roof over your head, food on the table and enjoy basic amenities, you are already more fortunate and can make a difference in the life of those struggling with poverty.At the moment, many charities are struggling to stay afloat. Recession deals a double blow to charities as sharp drops in donations and investment income have been coupled by soaring demand for their services.Being charitable in a recession means we have to do more with less. It takes creativity but more importantly, the heart to share and give. Here are some tips to get you started on charitable giving:1. Be A Volunteer If you can't write a check, then be a volunteer. It also looks good on your resume as job interviewers look favorably on time spent volunteering than watching TV or wallowing in self pity.2. Put Your Skills To UseIf you have a practical skill or hobby, why not use it to help someone? Charities will always require people to do maintenance, landscaping, property improvement, hair-cutting, administrative work, cooking, etc.Thus, if you are a handyman, carpenter, landscaper, hair stylist or a cook, then your services will be greatly appreciated. It is also beneficial to you as your skills will not be rusty and you may even acquire new skills which come in handy for a career switch or to impress your current employer.3. Donate Household Items To CharityHave a wardrobe full of "new" clothing that no longer fits or isn’t quitefashionable enough? Those items can be especially helpful to a charity. So do your toys and unopened gifts.4. Send Extra Food To The Food Bank If you bought extra food at the grocery store because of special discounts or buying in bulk, you can always send some items to the food bank. It is good to give nutritious items but even biscuits, crackers, canned food are better than nothing.5. Utilize your networkDon’t be shy. Tell your friends, neighbors and relatives that you are doing charity and ask if they want to help out. You will be surprised by the positive response.If you still need a final kick to begin your charity work, think about setting a good example for your children. It is a good chance to impart right life values to them.Rather than engaging in extravagant lifestyles and forever complaining that money is not enough, it is better to let our kids learn to make do with they have and yet, give to the less fortunate at the same time.[...]

Save Money On Your Beauty Routines

2009-10-20T18:36:35.164-07:00

This video teaches you to save money on your beauty routines.

I am not familiar with this topic but I figure some of the tips may be helpful to my female readers.

Better To Sugar Coat Corporate News In A Recession

2009-10-06T05:47:50.513-07:00

We keep blaming politicians and economists for not telling the truth and churning out fictitious statistics.

But when you are in danger of losing your job, you may actually appreciate your boss sugar-coating the bad corporate news...

Mayor Issues No Chase Policy To Save On Insurance

2009-10-06T05:35:00.759-07:00

The mayor of 14 years said she issued the order after a city officer suffered a foot injury while chasing a "guy who had some crack on him" and had to be out of work for several days on workers' compensation pay.

Noting the suspect wasn't stealing or breaking into a home at the time, she said she didn't consider the drug possession a crime, and said the town of 2,100 couldn't afford the increased insurance costs. Though the ban applied only to foot chases, she said officers also totaled two town-issued cars in a month.

Well, what can I say when such an order is issued? The police's job is to go after criminals and bring them to justice.

Just because of a foot injury and insurance claims, the entire police force is being hampered in their work by this bizarre order.

Binge Years Over, Make Do With Modest Living

2009-10-08T06:49:40.159-07:00

Frugality is entrenched in Americans' mentality right now; for how long... I do not know but I hope it last, as living well within our means is essential in a sound financial plan.Ben Bernanke believes the recession is most likely over. To the many Americans who remain unemployed, that is scant consolation. The Fed can pull the wool over our eyes that economic outlook has improved but I am not convinced that the binge years will return.The financial crisis has ravaged the US Dollar and tarnished the credit worthiness of the US Government. Hence, I have little confidence in government pensions and social safety net. It is best if we devise our own retirement savings plans.Nevertheless, retirement planning is going to be more challenging. Frivolous, uncontrolled spending must be curtailed. Even if you have a steady job now and earn a reasonable income, it is prudent to adjust your financial goals and start living modestly. By that, I mean shunning materialism and taking pleasure from simple things in life.Instead of living in a mansion, what is wrong with staying in a 1000 sq ft apartment? When I was little, I remembered cooping up at a relative's house with my parents and the kids sleep two or more to a room. There were no fancy baby clothes or shoes but only drappy hand-me-downs.That didn't make my childhood any less happy. I am not tempted by material goods because my past makes me appreciative of the fact that earning money is not easy. Sometimes, I wonder why people feel the need to buy many pairs of shoes, ties, or clothes - only to wear it once or twice (sometimes not even opening up the box at all).That is not the way to spend money, especially when you don't have a million dollars in the bank. All the money is actually coming from credit cards, home equity, etc.If you are guilty of reckless spending and are now crushed under the massive weight of debts, it is no use beating yourself silly.Review your expenses, savings, income and the amount of money you need in the future. Figure out what it takes to live modestly for a month. You’ll need to cover your regular bills, such as, mortgage/rent, utilities, transportation, food, clothes, etc.Once you have a figure for your expenses, say $500, try making do with $300 or $400 instead. Take that as a challenge for modest living. Even if you don't succeed on the first try, at least you know where you have failed and can improve on it next month.Living modestly usually involve battling impulse buying and various motivations to spend: advertising, friends, etc. It often means taking a little more time to find what you really need, and not what you desire. And you have to be content that what you already have is good enough.If you do away with Starbucks coffee, downsizing your home and holding off new purchases (clothes, gadgets, shoes, etc.) until your stuff are worn out, that is a lot of money you can save every year. The savings from living modestly can be placed in a Roth IRA, bonds or equities.Keep your sense of balance and sleep tight at night by living modestly today.[...]

Recession Likely To Be Over?

2009-09-24T06:28:08.385-07:00

Ben Bernanke said the economy likely is growing now, but he warned that won’t be sufficient to prevent the unemployment rate, now at a 26-year high of 9.7 percent, from rising.

“From a technical perspective, the recession is very likely over at this point,” Bernanke said in responding to questions at the Brookings Institution. “It’s still going to feel like a very weak economy for some time because many people will still find that their job security and their employment status is not what they wish it was.”

Source: MSNBC

Has Ben Bernanke jumped the gun in declaring the recession is likely over? I think it is callous for Bernanke to make such a statement when 9 million people are still underemployed.

Will the underemployed be able to secure new job soon that will utilize their expensive education and core skill sets? Will the cash registers of retailers start ringing tomorrow now that the outlook is "brighter?"

Don't bet on it...

Is The Economy Out Of The Woods?

2009-09-17T19:38:00.555-07:00

From the multitude of economic reports, it seems the economy is stabilizing and we are finally out of the woods. Well, let's hope we don't go from here and drop into the abysss later on.

4 Tips To Save Money On Gift Giving

2009-09-23T05:46:10.872-07:00

The festive period is a few months away which is a time when our household budgets are strained by all the gift buying and celebration. Since the recession started, my wife and I have started to plan our gift giving early in the year.

The process is similar to planning for a household budget. We indicate the amount to spend on gifts, for whom, as well as where this money is going to come from. There are no hard and fast rules - we adjust our gift giving in the event of upcoming weddings and anniversaries.

Buying gifts can cost a bomb. You need to plan properly in order to save money and not ruin our finances on excessive credit card expenses.

Here are some money saving tips to support your gift giving.

1. Redeem Rewards - If you have been swiping your credit cards throughout the year, it is a good idea to redeem your credit card rewards as a complement to your gift giving during the festive period. We have two credit cards that earn us cash back or rewards that can be used to redeem gifts.

There are also product rewards to redeem gift cards or other products. We have used the My Coke Rewards program to redeem points for special gifts. Look for these types of promotions on items that you frequently purchase.

2. Clearance Sales and Special Promotions - Flip open the newspapers and there are always advertisements of clearance sales. We do not stake out all the clearance sales but when there are attractive marked down prices, we head for the retail stores.

Some of the products we purchase include toys, board games, clothes, books, all of which come in handy during birthday parties for our kids.

3. Accumulate Extra Change - We keep our loose change in a jar and place them into our savings fund every month. It is somewhat like "extra money" which can be used to purchase gifts late in the year too.

4. Re-Gift - This means passing on a gift which you receive but you have little need for. Passing on gift cards is fine but some people don’t believe in re-gifting physical items, because it is disrespectful and unappreciative to the original giver.

There is a possibility that you may get fewer gifts if your friends and relatives know that such presents, which they spend money and time shopping for, are passed on to strangers. But if the gifts are lying around the house, they could end up in the dumps or being sent to the Salvation Army, come spring cleaning time.

I think it is too wasteful. Hence, to preserve the gift-giving spirit, I prefer re-gifting, than throwing stuff away.

Debtors Revolt Watch

2009-09-12T19:41:41.645-07:00

This lady is leading an army of revolters into the line of fire against the banking system.

It is high time consumers take a stand and let the lenders sit up and take notice.

For how long should we endure predatory terms of financial institutions and allow them to take taxpayers' money on one hand while awarding fat bonuses amongst their cronies?

Enough of riding roughshod over consumers. What do you guys think?

Beware Of Debts And Excess Leverage

2009-09-10T06:50:24.178-07:00

Six months of stock market rally... holly shit! The bears (including me) have highlighted an impending drastic stock market correction for weeks but the stock market continues to defy gravity. I know people are more confident when they see their investments doing well, regardless of the well-being of the real economy. However, such over-confidence can lead one to take on more debts than is prudent to finance purchases or investment. To be sure, consumers and investors are not soley at fault. Banks, credit card companies and brokerages are eager to feed this frenzy by expanding our overdrafts, credit limit and margin accounts. But excessive leverage is dangerous and will destroy our financial future. To get our finances to grow in a healthy manner, you must eliminate the weeds (debts and its associated interests cum fees) in our financial garden. I believe many people realize the dire effects of debts, yet they willing become enslaved to financial institutions which offer credit cards and credit lines with low teaser rates and entice us to pursue extravagant lifestyles, way beyond our means. Sometimes, I get really upset that our entitlement mentality, thanks to the media, politicians and unscrupulous lenders, has become so deeply entrenched that we believe we can always get what we desire right away, without paying for it. Now isn't that naive? The banks and credit card companies are in business to make money, not to do charity work. Thus, all their easy money come with a heavy price to pay... eventually. There is no free lunch, period. If we don't pay up, the only way is to kick the can down the road and burden the next generation with our reckless spending. The financial institutions are more than happy to let our debts snowball and to see us slog like hell to contribute to their profits in perpetuity. To avoid the vicious debt ruthole, you must be disciplined in paying off debts as soon as possible. But you should not do it too aggressively such that your emergency fund is neglected. An emergency fund is crucial even as you keep track of current liabilities, so that your ability to make good on payments is not impaired even if you lose your job. You should also get free credit reports and see whether there are any inaccuracies reported. If so, dispute the problem in writing and get it resolved. A drop in your credit score of just 50 points will cause your monthly payments to spike and even restrict your credit limit. Next, examine your credit card and loan statements to see what interest rates you're paying. Do some comparison shopping for more attractive interest rates and then make a few phone calls to negotiate your existing rates. If the phone calls are not fruitful, you can move your outstanding balances from higher interest cards to a lower interest card. Or pay off high interest credit cards with a lower interest loan. These actions can save you hundreds or thousands of dollars per year, and only take a few minutes of your time to initiate. But you still get nowhere near eliminating your debts if you don't change your mindset and lifestyle.Stop piling on more debts if you are serious about eliminating debts. You only dig a bigger hole whenever you charge new expenses to a card and accumulate your outstanding balances which cost you the most money in fees and interest. I believe the the economy will still be in deflation for the short term, even though the Federal Reserve has been printing money furiously. And there is still a strong possibility that the economy will suffer [...]

Money Saving Scams In College

2009-09-09T06:34:04.240-07:00

I am not sure how helpful these tips will be for you in terms of saving money.

In fact, some of the tips are pretty "slimy", for example, sneaking into events, avoiding parking tickets, hiding stuff in dorms, getting free snacks, fake IDs, getting out of speeding tickets (you shouldnt' speed in the first place) and more.

But still, there is plenty of educational, if not, entertainment value in this video. Check it out.

Make It Fun To Save Money On A Tight Budget

2009-09-05T03:21:12.786-07:00

To save money requires that we made sacrifices and adopt lifestyle changes. As they say, no pain, no gain. But that is not to say saving money means there is no more fun for you.

There’s plenty to do out there that won’t cost you anything at all. You just need some creativity and rediscovering activities which you enjoy when you were little.

Here are some tips to have fun saving money while on a tight budget, say $50 in your wallet.

1. Rent movies.

I love going to cinemas for the occasional blockbuster movies but if $50 is all I have, then I will rather sign up with Netflix. They allow a free 2 weeks trial period and after that, you can choose your own plan.

You can have up to 3 movies out at once with no late fees, and each plan is under $20a month.

In terms of entertainment value, it may lose out to a cinema, but you get to cosy up with your partner in the privacy of your home. There are no jabbering from inconsiderate people who interrupt your enjoyment of the movie.

Or you can even plan a whole party with your friends and have a movie night. Host a potluck dinner for your friends - ask them to bring their favorite dish and you’ll end up with a nice variety (bonus if everyone brings dessert!)

2. Check out libraries and museums.

Museums offer discounted or free admission on certain days, so it is great for a family outing. You get to increase your knowledge and appreciate rare artifacts and exhibits without spending a cent. As for libraries, it is one of my favorite pasttime as I can borrow books and videos for free.

3. Go bargain hunting!

If you are really bored, why not go outdoors on a bargain hunting trip? You’ll be sure to come across some good deals and rare finds. Auctions can offer some good deals, too. Just be prepared to go a little higher on price to compete with other bidders.

Importance of Saving Money

2009-08-29T18:06:00.574-07:00

Saving Money: Review Expenses First

2009-08-29T02:58:16.037-07:00

Ever wonder why your savings target cannot be met every month? I know you are trying hard but maybe you aren't aware of your spending leaks.

You have to record down your expenses conscientiously for a few months, even if it is just a few pennies.

I found out that I have been buying snacks, magazines, newspapers, iced coffee and mineral water at convenience stores and petrol kiosks which amounted to about $200 in my first month of tracking expenses.

Add to that about $200 a month on clothes, $300 on fuel expenses, and then hundreds of dollars on food, electronic gadgets, digital downloads, as well as other miscellaneous items, you can see that my income is spent mindlessly and I don't have much left to pay my bills, not to mention saving money.

You don't feel the pinch until you actually record the expenses down and review it with an objective mind. It was a horrible feeling and I wanted to change my frivolous lifestyle.

Take Action

Once I set my mind on changing, I found that a lot of expenses can be whittled out and channeled into my savings account.

First, I try not to shop online frequently which reduce my spending by about 40-50%. Online shopping and a credit card is a potent combination because everything is so convenient. When you see attractive gadgets, it is difficult to resist impulse buying. Before you know it, you have checked out the products with a few clicks of the mouse.

I also decided to avoid buying unnecessary stuff whenever I stepped into stores. If I do shop, I have a list of what I need and the amounts which I am willing to spend.

There are times when I exceed this self-imposed budget but it is just to give myself or my family occasional treats which brings me to the next point.

Reward Yourself Occasionally

Every household which practices budgeting must allow themselves some incentives to go the distance. You pick up some desirable but unnecessary items like Starbucks coffee, chocolate, toys or a new outfit.

The main thing is to reward your efforts for sticking to the budget every month. Such rewards keep us motivated and happy, so be sure to include them in your budget.

If you want to be serious about saving money, get started on tracking your expenses. It may sound like hard work but the payoff will come in the long run.

Comments (0) - Read and Add your own Comments