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.
Contrary to what many couples believe, opening a joint bank account is a big financial step. This signifies trust in each other, as well as confidence that the other person is going to act responsibly. Most couples who are interested in opening a joint account are newlyweds. Of course, this is not always the case. If you are in the process of doing this, here are some things to think about:
Buying a home is one of the biggest decisions that you will ever make. This affects your personal life, as well as your money in a number of different ways. A couple months ago I purchased my second home. While I am generally happy with the deal I received, there are some things that I could have done better. In other words, I made a few financial mistakes along the way. But, instead of hiding them, I’d like to share them with you so you don’t make the same mistakes that I did. Here are a few mistakes I made that you can avoid with careful planning on your part.
If you just test drove a new car and are strongly considering buying it, then you’re probably feeling really good right now. But it’s not going to be long before you are ushered into the finance department to sign the paperwork. It is at this point that you will have to decide whether or not to purchase an extended auto warranty. If you are not expected to be presented with this option, you may find yourself confused. Although it may not seem like it, this is a big decision that will affect you at the time of your purchase as well as for many years to come. Generally speaking, an extended warranty is more or less an insurance policy for your vehicle. If something goes wrong within the warranty period you will not have to pay for the repair. The word “extended” is used because you are buying an additional warranty on top of the basic one that is offered by the manufacturer.
Here are five details to consider when shopping for a computer:
Many people travel for business. Some take off for a day at a time; others spend weeks on the road. If you fit into this group, you probably know how important it is to be able to take your business with you no matter where you are headed. Business is becoming more remote, and it’s conducted around the world. It’s important to have the necessary tools and equipment to do business no matter where you are.
Here are five tips to follow if you are interested in taking your business on the road:
As you walk through any airport, you are going to see more than people, bags, and planes. You are going to be presented with the opportunity to take in and purchase everything from food to magazines to clothes and much more. How are you ever going to make it through the “airport mall” without spending any money? Retailers at malls prey on the fact that their goods and services are convenient, so they jack the price up just like a theme park. But with a little planning, you don’t have to spend any money in the airport. Here are three tips that you should keep in mind if you know you will be visiting an airport in the near future:
With summer rapidly approaching, it is safe to say that many of you are beginning to make vacation plans. But with money tight, getting away in the months to come will be a bit more difficult. Fortunately, there are ways that you can take a great vacation without spending a lot of money. For information on how to do this, check out pieces like: Travel on a Budget at Consumerism Commentary and Teach Your Way Around the World at Wise Bread. There is a wealth of information from personal finance bloggers about how to save money while traveling. The Internet has changed the way we travel, and with so much competition from online travel booking agents, you can always find a great deal to your destination.