There isn’t much you can do to stop foreclosure on your home once the ball starts rolling. But here are a couple of things to consider. Steps: Review the information received from your lender or trustee and determine whether you will be able to pay the amount of money required Read more…
It is relatively easy to save money for Christmas presents if you begin saving in early January. You have to be determined and stick to a weekly savings plan. Steps: Decide how much money you will need. In addition to Christmas gifts, remember to factor in decorating, entertaining and holiday Read more…
The marriage is coming apart, but how will the 401(k) plan be split? Here’s how to figure out who gets what. Steps: Know that in a divorce, your spouse may have the right to all or part of your 401(k) plan. Talk to the administrator of the 401(k) plan as Read more…
Are you tired of chugging to work on your own each day? Is that carpooling lane too tempting to resist? Take the plunge and start carpooling. You’ll be glad you did – your wallet and the environment will be glad, too. Steps: Try to establish a carpool with someone from Read more…
Vacationing with friends or extended family can be twice the fun. Share costs when possible, but leave room for some privacy as well. Steps: Get a consensus from vacation participants on the time, location, transportation and cost limitations of the vacation. Find a vacation rental home that can accommodate your Read more…
Child care costs can really cut into your paycheck. Consider sharing child care with a good friend or two. You’ll all save money, and the nanny will make a higher hourly wage. Steps: Meet with those interested in sharing child care. Talk about the type of nanny you’d like to Read more…
A major purchase such as a house, car or household appliance can be a distressing hit to your checkbook. Budgeting and saving for the purchase can often ease the pain. Steps: Identify the purchase you want to make. Estimate what it may cost by looking at similar products. Determine when Read more…
Putting pen to paper can give you an idea of whether you should remodel your existing home or move. Steps: Determine what remodeling projects you want done. Get estimates from contractors. Ask a realtor what your current home value is and what it would be after remodeling. Subtract remodeling costs Read more…
Contacting customer service can be a frustrating endeavor. Shift the balance of power into your hands and get what you deserve: efficient and effective problem resolution. Steps: Get organized. Have all of the necessary documents – serial numbers, product IDs, bills and service agreements – readily available before contacting a Read more…
You don’t have to double your debt when you’re raising twins. Knowing a few tricks of the trade can keep your pocketbook, if not your sanity, intact. Steps: Write down what you can afford to pay monthly for clothes, food and other needs. Stick to it. Have twins share items Read more…