Twenty-three percent of working Americans increased their retirement savings contributions this year compared to last year, the highest reading in six years of polling, according to a new report from Bankrate.com. Another 16% indicate they have reduced their contributions over that time.
Have you changed your social media passwords lately? Have you ever changed them? Considering how much social media hacking there is these days, it’s amazing how careless we are with the most basic aspects of social media security.
Couples have been fighting over money for as long as there has been money. And there’s no end in sight. According to a recent posting from Bankrate blogger TheCashlorette.com, nearly half of Americans (48%) who are married or living with a partner admit to arguing over finances.
Do you believe money is the key to happiness? Somewhere deep inside, we all know that money cannot buy happiness. Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means. This, in turn, adds stress and worry ... causing unhappiness. Believe it or not, living frugally can actually make you happier than living lavishly.
Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a pink slip. It may be a medical emergency that isn't covered by insurance, or some good news that will cost you a bundle, like a wedding or the birth of a baby.
So you shopped at home instead of hitting the malls. You held back on impulse buys and tried to stick to the bare minimum. You didn't splurge on college textbooks because you realized you could grab the same books for deep discounts at used bookstores and from friends…
Meal planning is a simple and effective way to save a lot of money each month, not to mention cut down on pricey (and unhealthy) dining out. Serving home-cooked meals to your family not only reduces your grocery budget, it's a healthy alternative to fast food. Here are a few tips and ideas to get you started:
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