make money with a plant sale

Last week when our neighborhood garage sales were going on, I walked past a house that was having a “plant sale”.  I’ve never actually heard of a plant sale before this, but since that one I have noticed two others in the area.  Each of them were quite full of buyers so I had to [...]

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save on college textbooks

If you think tuition is tough and has enough zeros at the end of it, you have obviously not purchased the textbooks required for class the first semester, or you have and you need a way around paying the outrageous amount. Although the Higher Education Opportunity Act which became effective July 1, 2010 has eliminated [...]

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Learn How to Budget by Watching Videos

If you are looking to start a budget spreadsheet, but don’t really know how to get started, then we have a few videos that can help you create your own personal budget. To start, you’ll need to get yourself a spreadsheet program.  We like to use OpenOffice.org as it is free and is almost identical [...]

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Secret to Free Local Attractions

Think about the last time you went to a theme park. You pay one fee for entry and generally all the rides are free after that. Many local attractions use the same method, but rather than getting everything for free in that attraction, you get other attractions for free. For example, when you sign up [...]

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Steps to Help You Eliminate Debt

Whoever said that eliminating debt is a process was wrong. Eliminating debt is work and hard work at that. To eliminate it completely and quickly can be even more difficult if you don’t break it down into steps. From a broad view point, the pace at which you follow the steps listed below determines the [...]

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Money Making Ideas for Teens and Kids

Some might say that it is unfortunate that labor laws have been created that make it unlawful for any child or young teenager to work in adult-like conditions. Especially for those who lived through the great depression, they have ignited a universal “start making money as soon as possible” attitude since you never know what [...]

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Ideas on How to Become Self Employed

There comes a time when every person either gets fed up with their job and the idea of having a boss or there comes a time that every person simply wants to move past it and excel in greater positions. In fact, what position is greater than one in which you are the boss? Regardless [...]

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Ways to Give Money as a Gift

Whether it’s for Christmas, Graduation, a Honeymoon or any other celebration, giving money just seems like the best way to go. Rarely is a gift received and the recipient ecstatic and happy with the gift. Normally friends, family and other folks either ask for something big that you do not want to spend the money [...]

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Don't Let Your Credit Card Take Advantage of You

Like most people, I have several credit cards that I use for different purposes. A Target card that saves 5% on all purchases from Target.  A Costco AMEX card saves at Costco and restaurants.  A Citibank card that I use when they don’t take AMEX.  And, the card I’ve been using for years, the Blue Card from [...]

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Why Saving Money is More Important than Making Money

April 21, 2012
Why Saving is More Important Than Making Money

Saving money is quite a simple process but at the same time, it is difficult to follow through. The most common trap that prevents most people from saving is that they think they can just make more money. Of course this is true, but there are no careers that provide the exact income you need at [...]

How Much Are You Worth, I Mean Financially Of Course?

April 17, 2012
Calculating Your Net Worth

Many people measure their worth based on how much money you have.  Of course, the amount of money you have has no bearing on how much you, as a person, are worth. Even so, sometimes its fun to calculate how much all of your assets are really worth.  And of course, sometimes it’s just painful [...]

Nine Things to Do For Free

April 12, 2012
Devils Lake in Wisconsin

There are lots of ways to save money, but in my opinion, finding free things to do is perhaps the most rewarding.  There are lots of free sources of entertainment available if you look for them.  Check out the free local newspapers in your area for a list of upcoming events.  Or, you can probably find [...]

How To Make Money Recycling

April 6, 2012
You can Make Money From Many Different Recycled Products

5 cents a can or bottle. Not bad if you can get your hands on 2,000 bottles and cans each day. Recycling for your conscious is a great feeling and contribution to the earth. Getting a monetary return on it makes it even greater. It’s certain that there would be a much larger percent of [...]

How To Become A Money Manager

March 29, 2012
Become Your Own Money Manager

If You Do Not Manage Your Money, It Will Manage You If it didn’t, you would likely not be reading this. Out of all the managerial positions available in the world, being a manager of your own money is thought to be the most difficult. By the end of this article you will find that [...]

Saving and Making Money During A Recession Is As Easy As 1-2-3

March 19, 2012
Saving and Making Money During a Recession

Weeping back to year 2008, everyone is still implying that we are in a recession. Four years later and the animosity, paranoia and flat out fear is still consumed by the majority. This “majority” does not only focus on business owners but includes everyone from those who think they have job security and those without [...]

Monopolize These Ways to Save Money and Energy

March 11, 2012
Money saving energy ideas

There is no point in telling you how to save energy unless it saves you money. That is perfectly fine because you fall in the same category as everyone else in the world. Lucky for you (and the world), there really aren’t any ways to save energy without saving money in one way or another. [...]

Five Easy Ways to Make Money Online From Home

March 2, 2012
How to Make Money Online at Home

It is a fact that billions of dollars are transacted each year online.  So why is it so hard to sit down in front of your computer at home and make easy money online?  Personally, I think the real reason is because of the lack of transparency.  For example, if you get a job at [...]

Six Misperceptions That Waste Your Money

February 20, 2012
Misperceptions that waste your money

While everyone likes to save money, there are some things that many of us do that actually cost us more money in the long run than they save.  Moreover, many of these money mistakes and misperceptions are commited thousands of times per day across the globe.  Here are some of these common money misperceptions and [...]

Your Savings Account is Costing You Money

February 16, 2012
Your savings account is costing you money because of inflation

If you’re one of the millions of people that uses a bank account to save money, then you’re actually losing money each month.  That’s because the rate of inflation is actually higher than the yields on savings accounts, CDs and even Treasury bonds.  Here’s what we mean. If you have money invested in a savings [...]

Differences Between Forecasting and Budgeting

February 9, 2012
Forecasting vs Budgeting

I’ve been asked a few times about the differences between forecasting and budgeting, as many people understandably think they are the same thing.  In some cases, they may be close to the same thing, but there are really some nuances between the two that make them distinctly difference.  Here, I’ll try to go over a [...]

Need Help With Taxes? Read These Tips First

January 20, 2012
Tax tips to help with your taxes

About ten years ago I had to get help with my taxes.  At the time, I had to account for all of the following: employee stock options, employee stock purchase plans, stock gains and losses, itemized deductions, real estate gains and losses, business gains and losses, and my regular salary and bonuses.  I was overwhelmed so [...]

Take Advantage of The Economic Slowdown

January 18, 2012
Reasons to Love the Economic Slowdown

The economy is in the dumps.  Unemployment is high, stocks are low, coutries are defaulting on their debt, and people continue to lose faith in governments around the world.  It really seems like nothing can go right in this world, doesn’t it?  Well, if you’ve managed to survive this long, there’s good news.  The good [...]

Do You Run Your Household Budget Like the Government?

January 13, 2012
What if the government ran their budget like a household budget?

I understand how politics work.  Well, at least I understand how politics don’t work.  But seriously, when you look at how you run your own household budget you should expect your government to run the same type of budget, right?   Okay, maybe your personal budget can’t influence the government, but at least you can vote [...]

Is Living in a Frugal Way Worth It?

December 16, 2011
Is living in a frugal way worth it?

People often wonder if living in a frugal way is worth it.  I guess that depends on how you define frugal and to what degree of frugality you live.  Technically, all you need to survive is a canvas sheet and a piece of flint, but would it be worth it?  Probably not.  I think the [...]

Have You Heard of Happiness Economics?

December 10, 2011
Does money make you happier?

Yes, that’s right, economists have actually tried to quantify the relationship between money and happiness!  They refer to this field as happiness economics. According to studies from two professors at Princeton University, they have actually come up with a formula that measures the relationship between happiness and money.  Unfortunately, since it’s an economic formula, the [...]

Remodeling a Bathroom on a Budget

December 9, 2011
budget bathroom remodel

Whether you’re looking to increase resale value, help sell your house, or just are in need of a new bathroom, remodeling a bathroom can add value to your home and is considered one of the more likely ways to get the money back from your remodel.  Depending on where you live and who’s estimate you [...]

Save Money With Low Budget Holidays

December 4, 2011
save money on the holidays

With the Holidays rapidly approaching and the economy still in the dumps, there are millions of households that are looking to save a little money this Holiday season.  The most important thing to remember is that the Holidays are all about feelings, and not about money and material things.  Technically, all Holiday spending is unneccessary.  [...]

The Truth on Who Pays Taxes

November 22, 2011

Have you wondered why there is always a heated debate on who pays the most taxes and if they are paying their fair share? Most people have their mind made up as to the answer they believe.  For some reason, almost everyone believes that they are overpaying for their taxes while everyone who makes more than [...]

Four Reasons to Budget

November 16, 2011

When it comes to managing your money, there are lots of reasons you should create a budget.  Budgeting doesn’t just mean setting aside a specific amount of money for each expense each month, but really means learning, analyzing and improving your finances each month.  The majority of people that think they are budgeting aren’t really [...]