When money is tight, it is a good idea to review your budget for expenses that you are able to cut back on. One category that you must pay close attention to is insurance. With this in mind, it is important to note that some policies are more important than others. While you may be able to cut back in one area, keeping the same coverage in another is essential to the well being of you, your family, and your finances. Knowing what coverages you should have more of and can cut back on is the tricky part. We recommend that you consult with your insurance agent and another professional with an unbiased opinion before canceling, reducing, or adding any coverages to your insurance policies.
More companies than ever are looking for ways to save time and money when interviewing prospective employees. For this reason, online video interviews are more common than ever before. With this type of interview, the company and interviewee are able to save a lot of time. Along the same lines, both parties can save a bit of money as well. Preparing for an online video interview can be stressful. After all, most people have never been involved with one of these. While you may not know what to expect, there are several things you can do to ensure that you are 100% prepared:
How much money do you generally spend on electricity during the fall and spring months? Does this number seem to grow every summer when the weather turns warm? That’s because you’re not making a conscious effort to reduce the amount of energy you’re using, and the air conditioner is the main culprit of the spike in energy costs. This is a problem that many people face, especially those who are on a tight budget. Although your electric bill may tend to increase during the summer, there are some things you can do to keep the costs to a minimum:
Do you know how to read your bank statement? Some people never take the time to learn how. Instead, they throw out their statement or delete it from their inbox before taking a closer look. If you are in this habit, there is no better time than now to make a change. Learning how to read your bank statement is not as difficult as you may think. Once you know what you are looking for, you will feel much better about your finances.
Here are five tips for reading your bank statement with success:
Many studies over the years have shown that a large number of credit reports include at least one error. Some believe this number to be as high as 80 percent. So, with that in mind, the million dollar question is: when was the last time you reviewed your credit report for inaccuracies? If you do come across an error, it is very important that you take the proper steps in getting it fixed. Not only can you do this yourself, but it should not cost you any money other than postage.
Here are the steps to follow if you need to fix an error on your credit report:
For many people, watching television is a way of life. Even when money was tight, many keep their cable service because it is one of their only sources of entertainment. While cable television is more expensive than ever, you may be spending on more than just service. I don’t know about you, but every time I get my cable bill, I feel like the price has gone up. Over the past month, I have been hit with several “hidden fees” by my cable company. Along with this, I have learned of additional fees by calling around and speaking with other providers.
Are you one of those people who believe that a bathroom remodel has to cost tens of thousands of dollars? While the sky truly is the limit, you may be on a budget and there is nothing wrong with that. Contrary to popular belief, there are many ways to update any bathroom in your home without overspending. Kitchens and bathrooms are the rooms where you’ll get the biggest return on your investment. People can live with a living room looking a little outdated, because usually a little paint and flooring can freshen up any room, but kitchens and bathrooms are different. Remodeling your bathrooms will add a ton of value to your home and help you sell it for more money and faster when that time comes.
Most people spend a lot of time in their kitchen. Of course, if you do not like the design and overall appearance, you probably cringe every time you begin to prepare a meal. While a total kitchen remodel can cost tens of thousands of dollars, there are many changes you can make on the cheap, and you don’t always have to sacrifice quality for price. Here are several ways to update your kitchen without breaking the bank:
Debt can cause a lot of stress no matter what kind it is. But when it comes to tax debt, things can get bad in a hurry. The last thing you want is for the IRS to be on your tail. Unlike other creditors, they have the power to do things such as take money from your paycheck and bank account and seize your property. Although dealing with tax debt can be stressful, with many options for paying, you should not be stuck in an impossible situation. Remember, if you owe money to the IRS, it should be the payment that trumps all other debt payments, other than your mortgage. Always pay the IRS first, because they can do things to collect the money unlike any other collector, such as garnishing your wages without a judgment. No matter how you feel about the IRS, don’t mess with them!
With more than 10% of Americans unemployed, it goes without saying that millions are in need of financial advice. Managing your money while unemployed is a unique experience. If nothing else, it is much different than the way that you manage your situation when you have a job. Before we go any further, keep this in mind: everybody who is unemployed is in a different position. One person may have no money coming in and no savings and another may be married and have the luxury of relying on another income and an emergency fund until they find a position.