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David Bakke
David started his own personal finance blog, YourFinances101, in June of 2009 and published his first book on ways to save more and spend less called "Don't Be A Mule..." Since then he has been a regular contributor for Money Crashers. He lives just outside Atlanta, GA and most all of his free time is taken up by his amazing three year old son, Nicholas.

Best New Bank Account Promotions, Offers & Free Money

By David Bakke

stack cashWith many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees, free checking, or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and great interest-bearing products.

July is a good month for bank promotions from both big and small banks. Banks are giving away a lot of free cash to attract new customers and get them to open up accounts. The banks listed below have some pretty sweet deals that you should take advantage of if you are in the market for a new bank.

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5 Ideas to Save on Super Bowl Party Food, Recipes & Supplies

By David Bakke

superbowl football party snacksThe big game is upon us and you might be planning a Super Bowl party at your house this year.  If you want to make a great impression on your friends and family, you could blow a wad of cash (or credit) to do it. But unless you’ve saved up all season, you’ll later thank yourself for keeping costs in line. Plus, the best part is you don’t have to break the bank to really impress.

Consider these ways to cut costs without cutting corners. Enjoy the game and may the best team (that would be yours) win!

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How to Donate a Used Car to Charity

By David Bakke

car donationThe process of purchasing a new vehicle can be overwhelming. Nobody looks forward to dealing with overbearing car salesmen or the cumbersome process of trading in or reselling a car. However, you do have another option that may make the experience simpler and more satisfying: Instead of trading in or selling your used car, consider donating it to charity.

Used cars help people in need in a variety of ways. For example, some organizations use donated vehicles to transport people in need to appointments or to run errands. Additionally, many charities sell donated cars at auctions and use the proceeds to help fund operations.

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Mutual of Omaha Bank Review – Banking Accounts & Mortgage Loans

By David Bakke

mutual of omahaMutual of Omaha Bank offers a wide variety of financial products, including a checking and savings account, a money market account, a credit card, and mortgage loan options. Whether you’re looking to streamline your finances by having all of your accounts in one place, or if you simply want to open a checking or savings account, Mutual of Omaha Bank offers a range of perks that make it worth considering.

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Manilla Review – Get All Your Online Accounts & Bills in One Place

By David Bakke

manilla logoLooking to save money and de-clutter your life? It may be time to organize and streamline your financial picture, and the services offered by Manilla can help.

Personal finance can be a dull and tedious subject, but if you get all the information for your various accounts in one place, you can easily manage your finances and keep up with due dates. Manilla offers bill payment reminders and  stores all of your documents and statements.

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Black Friday Shopping Guide 2012 – Best Deals & Sales

By David Bakke

black friday shopperBlack Friday is the best day of the year to get all the holiday gifts on your list at the lowest cost. If you want to make the most of the day, you shouldn’t head into the retail holiday without a shopping strategy and a schedule.

Plenty of people will face the frenzy, so to help you minimize the madness, I have compiled a list of stores that offer the best deals on specific products, as well as the time they’ll open their doors on November 23rd.

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My Best Financial Tip: How to Prevent & Eliminate High-Interest Credit Card Debt

By David Bakke

credit debtThere are so many components to prudent money management that it’s difficult to determine which is the most important. However, there is one thing that virtually everyone deals with, and it can make or break your finances. Whether it’s to buy a new home, afford a college education, or spend a day at the mall, acquiring debt can help you do things when you don’t have the requisite cash on hand.

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CIT Bank Review – High-Yield Savings Accounts & CDs

By David Bakke

cit bankAmericans have begun to express a growing dissatisfaction with traditional banks. In just the last three months of 2011, more than 600,000 people abandoned their bank to go with an alternative option, such as an online bank. If you’re currently dissatisfied with your bank, consider CIT Bank. It offers both high-yield savings accounts and certificates of deposits.

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8 Ways to Save Money on College Textbooks

By David Bakke

girl library textbooksThe average tuition cost for one year at a public university is now $17,000, and the average annual price of private colleges is twice that amount. However, rather than waving your white flag and giving up on the thought of ever attending school, know that there are many ways to save money on the costs of college – including acquiring cheap textbooks.

If money isn’t an object, by all means, purchase brand new textbooks from your college’s campus bookstore. The prudent buyer, however, knows that buying new textbooks is not essential, and will instead look into the numerous other ways of acquiring the needed books at a greatly reduced price.

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WhiteFence Review – Your Assistant for Monthly Bill Savings

By David Bakke

whitefenceOne of the best ways to save money is to reduce your monthly bills. However, researching and investigating the many different discounts and pricing plans for services such as Internet, TV, gas, and electricity can be a time-consuming project.

To save time as well as money, consider utilizing the website WhiteFence. It can help you compare service providers in your area for deals on utility and home services, and it can show you how much you may save by downgrading services or switching providers.

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Borro Review – Are Short-Term Collateral Loans Worth It?

By David Bakke

borro logoIn today’s tough economic times, getting a loan from a bank is much more difficult than it once was. And if you happen to have a less-than-stellar credit score, you may find yourself out of luck.

If you find yourself in such a situation, Borro may be able to help. The website offers short-term collateral loans against a wide array of high-end valuables. There’s no credit check involved, and you can receive money within 24 hours or less.

However, this is an extremely expensive method to get cash. If you have other options, pursue those first. But if you’re out of options, Borro is worth checking out.

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Lemon Squad Review – Pre-Purchase Used Car Inspections

By David Bakke

lemon squad logoAn increasing amount of people are buying cars via the Internet, sight unseen beyond digital photographs. In fact, Craigslist and eBay Motors have both experienced recent rises in auto sales. If you’re considering an out-of-state auto purchase or would like peace of mind on a local sale, consider a pre-purchase inspection. While most sellers are honest, some simply are not – and others may not even know the condition of the car they want to sell you.

If you’re concerned about the condition of a vehicle you wish to purchase, Lemon Squad may be just what you need. The company offers a variety of different inspection packages for both automobiles and RVs.

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CARCHEX Review – Extended Car Warranty & Inspection Service

By David Bakke

carchex logoWhen you consider that the biggest purchase most people make in their lives is a home, it makes perfect sense to invest extra money in a home inspection and home insurance. Despite the somewhat high cost, it is crucial to protect your investment.

Next to a home, an automobile is the second-biggest purchase you are likely to make in your life, and just like a home purchase, it’s important to make sure you get what you pay for and protect your investment. So if you’re looking for an extended warranty or a pre-purchase car inspection, consider CARCHEX.

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American Express Personal Savings Review – Savings Account & CDs

By David Bakke

american express personal savingsIf you have money to invest, but can’t commit to long-term investment vehicles such as a 401k plan or Roth IRA, a high-yield savings account or certificate of deposit could meet your needs. Each is a viable option if you’re seeking a conservative investment that won’t tie up your money for a long period of time.

American Express Personal Savings is one banking services company that offers both accounts, and may make sense particularly if you already have an existing Amex account, or if you’re seeking an account without a minimum deposit requirement.

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DentalPlans.com Review – Find Discount Dental Plans

By David Bakke

Limited Time Offer: Click here and sign up for DentalPlans.com using coupon code MONEYCRASHERS to get 10% off any plan and 3 months extra free.

dentalplans.comFinding quality dental care can be a difficult task, and many people forgo trips to the dentist entirely. In fact, half of all Americans do not receive regular oral health care. However, if you are among those who avoid dental care for reasons pertaining to cost and inconvenience, DentalPlans.com may help you return to the dentist.

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