Think You're Cheap?
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248
(1 vote, average 5.00 out of 5)
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Personal Finance -
Mortgage
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Written by Omie Ismail
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Monday, 08 February 2010 05:10 |
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If you rent, you have a golden opportunity that won't last much longer. Unlike your mortgage encumbered friends, you have the opportunity to cut your monthly expenses by negotiating your rent down. Seem like a long shot with your landlord? Think again. In the Great Recession, everything is negotiable including your monthly rent. Here's 5 steps that will give you the best shot of lower rent.
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Read more: 5 Steps to Lowering Your Rent
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247
(6 votes, average 5.00 out of 5)
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Personal Finance -
Education
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Written by frugal nomad
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Friday, 05 February 2010 06:10 |
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For some time now, I've been harping on the bogus government unemployment statistics. At the very minimum, 17%, if not 20% of the workforce is either out of work or seriously underemployed. These figures don't begin to tell half the story because the cast of characters who make up the pool of unemployed workers is constantly changing. What I mean by that, is that Joe Smith might be unemployed today but when he gets a job next week, chances are that another American, maybe his wife or his neighbor, will replace him on the unemployment line. This recession could very well inflict periodic unemployment on as many as one out of every three workers. So, given those odds, it's worthwhile to muse on how best to deal with a pink slip. Not to minimize the trauma of dealing with a major loss of income or having to put your career on hold, but there is a silver lining or those who have mastered the art of cheap living. If you've saved your pennies and have a low cost lifestyle, a few months of unemployment can end up being like a welcome sabatical.
Here's 7 ways to kick back and make the best of it.
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Read more: 7 Great Things About Unemployment and Living Cheap
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245
(3 votes, average 5.00 out of 5)
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Personal Finance -
Education
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Written by Karl Wolf
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Thursday, 04 February 2010 03:00 |
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Every time I hear parents complain about kids being expensive, I inwardly roll my eyes. Trust me, kids aren't that co stly, it's the expensive choices parents make that put a hurt on the wallet. Given that the government gives you tax credits and exemptions just for having kids, those families living cheap can virtually turn their kids into a profit center, especially when you consider that children can work starting in their early teens. Run the math, if you have 3 little ones and have AGI under $110,000, you get nearly $7,000 in money back from the government in the form of reduced taxes and credits. That kind of money can pay for a lot of food and healthcare and make it cheap for kids. Below are the first five of ten things that people always point to as reasons why kids are expensive and my thoughts as to why it just aint so.
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Read more: Debunking the "Kids Are Expensive" Myth - Part 1
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244
(2 votes, average 4.50 out of 5)
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Personal Finance -
Education
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Written by Ahmed Amr
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Wednesday, 03 February 2010 00:06 |
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What I wouldn’t do to be able to print my own money. A mint - a mint - my kingdom for a mint. Fortunately or unfortunately, the mint is in the government’s hands. Now, I’m going to be all over the place writing this article, because I just don’t get it. We have a national debt of $12 trillion and we’re going to pile on another $1.56 trillion this year. That means that forty cents of every dollar in the federal budget will be financed with borrowed money. And in case you’re worried, we’re looking forward to more deficit spending until we reach the Promised Land - in 2013. Because by then, we’ll be on easy street and the deficit will shrink to a miserly $700 billion dollars. And since we’re destined to reach those lofty economic heights soon enough - the President and Congress are promising to keep taxes low.
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Read more: A Trillion Here, a Trillion There and We'll be Square
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243
(4 votes, average 5.00 out of 5)
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Personal Finance -
Education
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Written by Omie Ismail
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Monday, 01 February 2010 03:06 |
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You can almost count on it; when you can least afford it, something unexpected throws you for a loop. Unplanned medical expenses,  a wrecked car, job loss, or a burglary can blow away even the best planned budget. With an adequate rainy day fund, you’ll have the resources to ride out the storm. But, what is the minimum amount of cash that you need to ensure you can bridge the financial gap?
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Read more: Your Emergency Fund: How Much is Enough?
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Personal Finance -
Education
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Written by livecheap staff
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Thursday, 04 February 2010 09:04 |
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Some of the best articles around the web today:
How to Avoid and Prepare for a Tax Audit: GenXFinance.com - Good article on what are the red flags on your return for an audit and how to prep for one. If you are thinking about taking certain deductions, read this first.
The Deficit and Interest Rates: GoodFinancialCents.com - Good in depth article on the deficit and how it may impact interest
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Read more: Today's Best of the Web
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225
(3 votes, average 5.00 out of 5)
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Personal Finance -
Retirement
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Written by Omie Ismail
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Tuesday, 02 February 2010 00:37 |
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One of the reasons that $1 million isn’t what it used to be is the paltry rates offered on fixed income investments.  With a million bucks, anybody looking for a secure retirement while maintaining their current lifestyle will be hard pressed to make that happen. With interest rates for the longer term CDs and treasuries hovering around three percent, retirees are looking at a mere $30,000 in addition to their Social Security. That’s the common wisdom but it ain’t necessarily so.
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Read more: How Much Do You Really Need to Retire
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242
(4 votes, average 5.00 out of 5)
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Shopping -
Online
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Written by Omie Ismail
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Thursday, 28 January 2010 01:27 |
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You would think given the maturity of e-commerce, that shopping cart software would work without fail. Well, never take anything for granted; software is prone to errors. If you're living cheap and on the prowl for exceptional value, you probably use coupon codes to snag bargain basement prices. But as I found out the hard way on a recent purchase with GNC, when you use coupons, shopping carts don't always process discounts correctly.
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Read more: Online Shopping: Watch out for Phantom Discounts
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