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Cutting Grocery Costs without Cutting Nutrition
Simple, healthy, and affordable ways to weather the rising price of food
by Karen Collins, R.D., American Institute of Cancer Research
Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.
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Gut Decisions May Not Be Smart
by DEIRDRE VAN DYK
If you have ever struggled with a difficult decision — new job vs. new boyfriend, sports car vs. minivan, read the book vs. see the movie — you have likely also been offered a heap of decision-making wisdom. Make a list of pros and cons. Go with your gut. Sleep on it.
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7 Key Comparisons for Credit Card Choice
by Tisha Kulak
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There is almost nothing standard about today’s credit cards. There is so much competition and versatility with credit cards now that choosing them can seem like an incredibly overwhelming task. So much so, that many people make the mistake of applying for the first one that comes in their mailbox without doing the proper research and making an educated decision.
There are at least 7 key factors that should influence your decision to choose a credit card that will work for you and your personal financial situation. Here they are:
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91 Ways to Save on Almost Anything
by Kiplinger's Personal Finance Magazine
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Here's how to stretch your dollars -- and pinch your pennies 'til they scream -- while you feel little or no pain.
Want to save a buck? How about a few hundred or a couple thousand?
We took a look at eight spending categories in your budget and identified dozens of ways you can keep more money. Whether you need
to plug leaks in your spending, learn where to find the best deals or even trick yourself into shaving expenses, we've got
something for everyone.
And here's a bonus tip: Before you even start looking elsewhere in your budget to cut costs, start at the source with your
paycheck. If you get a tax refund, that means you're overpaying Uncle Sam from the beginning. Boost your take-home pay today by
adjusting your tax withholding with your employer.
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Your 5-Minute Guide to Credit Cards
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Up to your ankles, knees or neck in debt? Try these two dozen tips to help get your finances back on track.
At some point in our lives, most of us have borrowed too much. If you're in over your head, don't despair. But make no mistake: You must learn to live on what you earn.
First, stop making excuses about why you're in debt. Don't blame the credit card companies or your parents. Put that energy into reducing your debt.
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5 Ways to Safeguard Your New Baby's Financial Future
by Life-Line.org
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Your beautiful new baby has arrived and you think you've got the safety thing under control. The house is child-proofed, you've got the pediatrician's phone number posted on the fridge, and a brand new car seat sits in the back of your minivan. But physical safety is just part of the challenge. Unless you're Julia Roberts and your baby has a multimillion-dollar trust fund, you need a financial gameplan that will keep your baby financially safe in times both good and bad. Here are five steps from the nonprofit Life and Health Insurance Foundation for Education (LIFE), to help you get started on the right financial foot.
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Tuesdays in the Pocketbook: How to Keep Divorce from Devastating Your Family Finances
by DK Simoneau
Author of "We're Having a Tuesday"
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Let’s face it. Getting divorced is a financial blow to any family. It is quite a touchy subject. Even in the best of circumstances there are double the housing expenses because suddenly there are two homes to support. Ah you know, two phone bills, to cable bills, two water bills and so on. When there are kids involved and split-family living becomes the lifestyle of choice for the foreseeable future, finances can get even stickier. If you are on reasonable terms with your ex-spouse there are some ways to avoid common pitfalls of supporting your kids financially. If you are not, there are still limited actions you can take without having to involve the family lawyer, they just may not be as equitable.
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A single mom's financial dilemma and a viable solution
submitted by R. Osbourne - Lombard
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But Kelly, like most moms, loves her kids dearly and it will be of tremendous benefit to them…but only if the people of America understand it, are inspired (inflamed) by it, and vote accordingly. If they do, the leaders who all seem to be lost in space these days, will suddenly be sounding intelligent and meaningful instead of totally empty and full of BS. To learn more check out Joe’s web site www.joelunchbuckett.com and click on the page labeled “The $3,000 Plan.”
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Ignoring credit changes can cost you
by Bankrate.com
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Despite that rather obvious conclusion, studies show about two-thirds of credit card holders who receive such notices are not even aware that changes have been made to their accounts. Woefully uninformed, they ignore the significance of many important new clauses, such as the expiration of low interest rates, universal default agreements, and inflated late fees.
The nonchalant attitude toward credit card changes is one of the many factors contributing to the explosion of consumer debt over the past 10 years, says Geri Detweiler, author of "The Ultimate Credit Handbook."
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Take Charge of Your Finance
by Mellody Hobson
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After graduating Princeton, Mellody took a full time position with Ariel Capital Management, LLC, where she had previously interned as a student. In 1994, when the company split from its mutual fund company distributor to create an independent mutual fund business, she was instrumental in this process. "That was very expensive and extremely risky," Mellody recalls of the transition that helped her master the qualities of a leader. "I had to have a lot of resolve to be convincing to my colleagues and others. And I understood that if this didn't work, then I was accountable."
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Your time or your money?
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Let's take it one step further. Last month, we reported on how men and women use their time. The upshot was: working women spend more time doing housework and taking care of their family each day than working men, while men are putting in more hours at work.
Neither gender really wins, it appears. In general, compared to the old days, everyone is just working harder and longer.
In effect, though women are getting the equivalent of an extra 3-5 weeks off from work, we pointed out that it's no vacation. That extra time off is spent managing the family and the household. "It's like a second job," says Bill Coleman, Senior Vice President of Compensation at Salary.com.
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When Nest Eggs Crack
by Linda Hitt Shaver -
Spirituality.com
Ouch! That's how I react when I hear about people losing their retirement funds
in corporate collapses. I've been there, and it was awful.
When I was about 12 years from retirement, I put all the money I'd saved as a
self-employed copywriter into purchasing a home. Real estate in our area had
gone up steadily through the years. In fact, no one could remember a time when
it had gone down. It looked like the best investment.
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Invest Freely in Good Ideas
by Carol Winograd -
Spirituality.com
This was an answer to my prayer at a time when I was really poor. I couldn't
believe it. I was working at a very low-paying job as a political staffer in
Lansing, Michigan. I lived in a small room with so few possessions I could get
them all packed into one small duffle. I felt certain I couldn't go to college.
But…I did live only a few blocks from Michigan State University.
My prayer had been, How can I make progress? I had been feeling very alone. I
couldn't see if the path I was on would lead anywhere. And the answer was, "Go
back to college"? Credits would cost hundreds of dollars each, and I didn't make
even one hundred dollars in a week.
read more...
What Really Counts
by Linda Hitt Shaver -
Spirituality.com
Stocks fall four points, raise was only 2%, someone's two hours late, you're 30
pounds overweight, the lottery's $3 million.
Is life all a matter of numbers? Get the right ones and life turns rosy? Get the
wrong ones and….
Here I was, a real estate agent, getting beat up by the numbers. I picked up the
listing page and my hopes plummeted. Those two guys listed ahead of me never
missed a phone call. I was lowly #3 on the pecking order. They'd sell the house
in a minute, and make the commission. It was the numbers problem again—my phone
extension was third in line. Incoming calls would go to the other two. Bills
would go unpaid. Troubles multiply. Pressure and more pressure.
read more...
Single Moms : The Necessity of Life Insurance
by David F. Woods, CLU, ChFC
President of the Life and Health Insurance
Foundation for Education
As a single mom, your child depends on you for the world. You’re the primary
caregiver, breadwinner and so much more. But what if tragedy struck and you were
no longer around for your child?
The child’s other parent or designated guardian might be able to care for your
child, but would that person have the financial means to provide the kind of
life you always hoped your child would have? For many single moms, the answer to
that question probably depends on how much life insurance they have.
read more...
How Giving Enriches
by Ginger Filippone - Spirituality.com
Because of some unexpected expenses, I didn't have enough money to get me
through the week. Although I knew I would be paid the following week, I found
myself bogged down with worries about how I was going to make it until then. So
I decided to turn to God. The answer I got surprised me: Give. I thought: Is
that Your final answer?
Even when I opened the primary books I use in my spiritual study (the Bible and
Science and Health) to find helpful ideas, the passages that were sticking out
the most were about giving to others.
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Working for the right compesation
by Judith H. Ryan -
Spirituality.com
Compensation questions are often really about self-worth. And self worth is
based on self-knowledge, or lack of it. But according to long-time businessman
Steve DeWindt, "Every person has a gift to contribute, a special talent, that
creates a place for you [in the work force]."
Steve has spent the last twenty years in various management positions, being
both employer and employee. For ten years, he was director of worldwide sales
for Intel, where he had 350 people working for him. He was co-president of
Computer 2000, a large German public company with about 5,000 employees. As CEO
of Ameriquest he had about 500 employees to think about. He was co-president of
Infinigate, another German dot-com, where he directed about 100 employees in six
countries. Of late, Steve is president of Blueroads, a five-month-old software
company with ten employees that he started with a partner.
read more...
Why I love the IRS
- by Laura Matthews
by Laura Matthews -
Spirituality.com
We were out of money — and the tax-man cometh.
Some months prior, I'd been laid off. But instead of getting back to the
corporate scramble, I decided it was a good time to fulfill an old desire. I
wanted to grow spiritually, to help my fellow man, and to serve God. I was sure
this would not only benefit the world, but also myself and my two kids.
I volunteered, I headed up projects that allowed others to serve, I prayed for
people, I began a ministry as a spiritual healer. Some projects allowed me to
earn money, others did not. But every moment felt right—I was growing in my
understanding of the Divine, and my family was happier than ever.
read more...
Unlimited funds for college
by Cynthia Guy from
Spirituality.com
My parents were broke. I didn't have a job outside of volunteering at my dad's
struggling business, but I was finishing high school and wanted to go to
college. How could I hope to pay for it?
Every afternoon at the end of high school, I sat at my bedroom window looking
out at my parents' front yard, praying. I kept asking and asking for what I
thought I needed -- cash. I did this for weeks, but no money materialized.
Eventually, I found myself just sobbing into my hands, desperately asking what I
was doing wrong.
read more...
The redemption of a control freak
by Nancy Haines Challenger from
Spirituality.com
I used to accept the title control freak as a compliment. Until I got into deep
trouble.
I'm a stockbroker in Los Angeles. Control worked fine when the market kept going
up. I was confident, making lots of money, so busy being busy -- controlling my
business, controlling my employees, unwittingly trying to control my husband. My
life was so together that I tried to fix everyone else's, nosing into friends'
and family members' lives, offering unsolicited advice, stepping on toes. I
didn't realize what I was doing.
read more...
Establishing Credit
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Check out this section for tools, tips, and advice on choosing and qualifying for a credit card, building your credit history, and ways in which you're responsible for wise credit use. investment.
Choosing a credit card
Today's consumers are presented with a wide array of credit card choices—cards with low annual percentage rates, cards with no annual fees, rebate cards, gold cards, platinum cards, and so on.
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Depository Accounts (Banking)
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Checking Accounts
A checking account offers quick and convenient accessibility to your funds. Depositing money into a checking account provides you with a record (receipt) of bills that you have paid. Funds in a checking account is safer than carrying large amounts of cash. If your checks are lost or stolen, you can close your account and your liability would be limited.
It is important to store your blank checks in a safe place. Someone may be able to gain information on your account or attempt to gain access to your account.
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The listing of or omission of an institution, organization or corporation on this Web site does not refer to programmatic capability nor does it confer any official status, approval, or endorsement of the institution, organization or corporation itself. This listing does not purport to be a listing of all organizations & corporations that are providing relief in the affected area. Additionally, there may be organizations providing relief in the affected area that are not accepting donations at this time. It is not the purpose of this Web site to make, or enable to be made, any representation to the public concerning the organizations listed. This listing is for informational purposes only. Any contributions or submissions you choose to make from links on this Web site are at your sole discretion.
• Share your tips, resources and information with other moms
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How to deal with economic stress
Stressed about the economy? You certainly aren’t alone. According to a recent survey from the American Psychological Association, 74% of Americans say work or money cause them stress and anxiety.
The thing is, stress has a huge impact on your body. It can cause headaches, impair your immune system, disrupt your digestive system and can even affect heart function.
Here are some stress-busters you can start today to help curb your symptoms.
read more...
The Super, Sexy, Single Mom on a Budget
by Renee Rayles
A quick reference guide designed for the busy,
single mom who has little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and then.
TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.
read more...
Your 5-minute guide to protecting your identity
20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.
read more...
Money makeover: Single mom
Jacqui Sentmanat is trying to give her child the best of everything, but who's looking out for her financial future?
by Joe Light, Money Magazine staff reporter
(Money Magazine) -- When you're the single parent of an only child, you want only the best possible life for your kid. That's how Jacqui Sentmanat feels. But it's an expensive proposition.
It already cost the 42-year-old Houston accountant $20,000 to get pregnant through fertility treatments and to take time off work to be with her daughter early on. This nearly drained her emergency savings. She has since replenished the funds, but now she faces a quandary: how to invest for her retirement while tackling her daughter's long-term needs.
For starters, Sentmanat wants to send Franqui, 3, to private school. She has already paid the $8,200-a-year tuition for preschool. That's on top of the $5,500 a year she'll have to shell out for after-school and summer care. And when Franqui gets to high school, annual tuition costs will likely soar above $10,000. Then there's college to worry about. With public schools costing more than $16,000 a year, it's easy to see how saving for Franqui could eclipse any hope of a regular retirement for Sentmanat.
She knows her retirement is important, but she really wants Franqui to be able to graduate without student loans. "This isn't just about freedom for me in retirement," she says, "but freedom for her from debt."
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