In January we often think more seriously about reducing our debt as we recover from holiday buying, make plans for the New Year, and think about paying taxes. For people who owe multiple creditors, it can be challenging to keep up with the payments. Sometimes there is not enough cash to pay all of them […]
Money
Slim You and Keep the Wallet Fat
Food prices are expected to rise this year, and there are few foods that will not be effected. Turns out this past year was a tough growing year in many parts of the globe. Russia experienced a drought. There are floods in Australia. Florida has had some freezing weather. Even the Midwest experienced flooding earlier this year. Staple […]
Changing Behavior: How Do We Make New Year’s Resolutions Stick?
Behavior happens because it is something we have done over and over, i. e. it is a habit, OR it is something that we do because we have a reason for doing it. Changing behavior, therefore, requires different strategies for these different types of behavior. Researchers have studied intentional and habitual behavior and have some […]
Have a Debt Free Holiday!
If you are like a lot of Americans, January is the worst month for you. This is the time that all the credit card bills come in the mail for all the presents you bought in December. The glow of the holidays has worn off, all the presents have been opened and used and the […]
Rebate Checks
Have you noticed that more companies are issuing rebates in the form of gift cards instead of checks? Some states have complained that company ads gave the impression that rebates would come as checks instead of gift cards. Disclosure is now required in a few states. And for good reason. Rebate cards often have fees […]
Vampire Power…it costs you money!
Household appliances and electronic contribute to a significant portion of the expenses seen on monthly electric bills. What consumers many not know is a large part of that expense could be a result of time that appliances or electronics are not even in use. Energy experts say that 5 to 10 percent of home electricity […]