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Should I Pre-Pay My Mortgage? Print E-mail
(11 votes, average 4.45 out of 5)
Personal Finance - Mortgage
Written by Omie Ismail   
Tuesday, 14 September 2010 02:52
A reader question, "My husband and I are thinking about paying off our mortgage early. We have a little more than $150,000 left and we have no debt. Other thoughts are to save the money for college for our two children that will be entering high school soon. My husband will be getting a good pension and I have a reasonable amount of money in my IRA. Does paying off the mortgage early make sense or should we invest it?" - Jennifer H.
Read more: Should I Pre-Pay My Mortgage?
 
Everyday Rip-Offs - The Dirty Dozen Print E-mail
(32 votes, average 3.69 out of 5)
Shopping - Everything Else
Written by the frugal nomad   

There must be a thousand rackets out there to fleece consumers out of their hard-earned dollars. Everybody gets ripped off. It’s nothing to boast about but I’ll admit to being a victim to half of these scams. We’ve tried to whittle it down to the dirty dozen - the ones that should be considered high crimes and misdemeanors - highway robbery by any other name. OK, a few of these might not rise to that level, but they'll still put a dent in your wallet.

Read more: Everyday Rip-Offs - The Dirty Dozen
 
8 Life Landmines That Will Blow Up Your Financial Plans Print E-mail
(14 votes, average 4.50 out of 5)
Personal Finance - Education
Written by livecheap staff   

You’re the picture perfect example of a financially responsible person. You live below your means, max financial_landmineout your retirement accounts, have a nice emergency fund and even some investments. You’ve got life by the reigns and every month your net worth goes up and your debt goes down. Your living the American dream. Before you get too content with your progress, know that these 8 big "landmines” can ruin the best laid financial plans. This article will help you understand, plan for and hopefully avoid each of them.

Read more: 8 Life Landmines That Will Blow Up Your Financial Plans
 
5 Car Buying Tips the Dealer Doesn't Want You to Know Print E-mail
(22 votes, average 4.41 out of 5)
Automotive - Buy
Written by livecheap staff   

Auto dealers are masters at figuring out how to squeeze more profit out of unsuspecting consumers. The whole dealership model is built around one basic principal - maximizing the profit on each customer by taking advantage of their ignorance. There are many things that the dealer knows that he would prefer that you didn't. If you want to buy a car, read read these 5 auto buying tips.

Read more: 5 Car Buying Tips the Dealer Doesn't Want You to Know
 
Do Credit Scores Really Matter? Print E-mail
(11 votes, average 3.64 out of 5)
Personal Finance - Credit Cards
Written by livecheap staff   
Friday, 28 May 2010 04:50

"Is it true that credit scores really don't matter much? I have heard that obsessing over credit-cardyour credit score is a pointless exercise and the importance of scores is overblown. Does 20 points difference matter much today?"

- Question from reader T.R.

Read more: Do Credit Scores Really Matter?
 
You're Not As Rich as You Think You Are Print E-mail
(23 votes, average 4.87 out of 5)
Personal Finance - Investing
Written by The Cheap Entrepreneur   

My wife and I sat down at the finely crafted twelve foot long table. I figured it must take a significant amount of elbow grease to get that kind of polish.

Our hosts were extremely cordial and very happy to see us but I resisted the urge to ask them what kind of polish they use and whether you could buy it wholesale. I mean these guys were our new investment managers, not the cleaning crew. As I took stock of the finely appointed office, I couldn't help but feel a little out of place. The question that ran through my mind was "why would these guys want folks like us for clients, we're not rich".

Read more: You're Not As Rich as You Think You Are
 
You'll Sleep Better in a Smaller Home Print E-mail
(8 votes, average 4.25 out of 5)
House - Buying Real Estate
Written by the frugal nomad   
Monday, 12 July 2010 03:30

Size matters – especially when it comes to homes. The original purpose of housing was to provide a little privacy, give Condosyou shelter from the elements and a place to horde your food. I think we’ve all inherited a few territorial genes, but excess space can be a very expensive proposition. From a financial point of view, there’s no difference between having a room you never use, installing a second "decorative" dishwasher in your kitchen or keeping a few spare cars in your driveway "for emergencies."     

Read more: You'll Sleep Better in a Smaller Home
 
12 Things We Used to Do Ourselves That We Pay for Today Print E-mail
(13 votes, average 4.38 out of 5)
House - Maintenance
Written by live cheap staff   

In the last 30 years, there has been a tremendous “Wealthening” of America. Perhaps the greatest evidence of that is the huge growth in the service sector. Today, we pay other people to do many things that we used to just do ourselves just 3 decades ago.

If you want to start living cheap, it is time to reverse the trend and start doing these things for yourself!

Read more: 12 Things We Used to Do Ourselves That We Pay for Today
 
15 Ways to Plan for Financial Worst Case Scenarios Print E-mail
(9 votes, average 4.78 out of 5)
Personal Finance - Education
Written by Ahmed Amr   
Monday, 19 July 2010 04:08

With the more accurate gauge of unemployment hovering at about 17% and with some estimates indicating that 30% of households have experienced some form of job loss, there are more reasons now to be cautious with your financial planning. While the majority of Americans have managed to endure the Great Recession and emerge financially intact, millions of families have been less fortunate. For whatever reason, many people didn’t plan for the worst case scenario. It’s all water under the bridge now, but there are things people can do to mitigate the unbearable burden of prolonged unemployment. For one thing - we should plan for it. It might never happen but if it does, make sure you retain the ability to hunker down, weather the storm and take care of your family. Here are 15 key points in 3 areas to help you plan for the worst.

Read more: 15 Ways to Plan for Financial Worst Case Scenarios
 
The 5 Best Coupon Sites on the Internet Print E-mail
(19 votes, average 4.21 out of 5)
Shopping - Online
Written by livecheap staff   

CouponsRule #1 of Living Cheap is Never Pay Retail. If you are shopping on the Internet, there are almost always discounts to be had if you know where to look. These 5 websites are the best places to get coupons for Internet purchases. Before you buy anything online, you should visit them, grab a coupon code and cut down the price by ten or twenty percent.

Read more: The 5 Best Coupon Sites on the Internet
 
We Make a Quarter Million and We're Broke! Print E-mail
(13 votes, average 4.77 out of 5)
Personal Finance - Credit Cards
Written by Omie Ismail   
Wednesday, 04 August 2010 03:11

"I don't get how one can ever save the money you recommend on LiveCheap. My husband and I are professionals and do very well income-wise. We make a little over $250,000 a year, have no kids, but we have very little savings. We want a home but it would take us years to get a 20% down payment for a house in suburban D.C. We both save about 10% of our income in 401ks but we barely have $10,000 in a savings account. Yes, we have newer cars and the payments are high, take good vacations, and we pay over $2,700 a month in rent, but shouldn't we be able to afford all that and still bank a lot of money? What are we doing wrong? Help" - Vanessa

Read more: We Make a Quarter Million and We're Broke!
 
Buy Cheap Groceries: 7 Ways Print E-mail
(20 votes, average 3.80 out of 5)
Food - Groceries
Written by livecheap staff   
Thursday, 08 July 2010 03:13

There’s nothing wrong with picking up a tip here or there on how to buy cheap groceries.  It’s all good and every little bit helps. But it's summer time and we'd like to extend you an invitation to attend our buy chStarkist5ozeap grocery training camp. If you make it through this rigorous training session, you should end up with an extra hundred or two in your pocket a month - every month. Many of you have already completed a good part of this course and you’re buffed up and good to go. But even some of our veteran cheapsters might learn a thing or two to hone up on their grocery saving skills. Here's 7 lessons to get cheap groceries:

Read more: Buy Cheap Groceries: 7 Ways
 
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