Let’s face it, a night out on the town can be expensive. It seems we work diligently all week long, only to blow the hard-earned paycheck in one Friday night. Still, what’s the fun of putting in so many hours at the office if you’re only going to rush home to your TV and leftovers?
Everyone deserves to let loose, spend time with friends, and make the most of the potential fun that awaits. And though your friends mean well – dragging you to a happy hour that turns into an entire evening of eating and drinking cocktails – it can all add up fast.
Eleven years ago, I started a consulting business with one client. In the timespan of just over three years, I expanded into an office with partners and employees, laid everyone off when the economy turned ugly, and ended up working out of my living room before finally calling it quits. During that time, my New Year’s resolutions were always work-related.
If you’ve decided that it’s time to replace your old refrigerator, you’re in for a few surprises. The average life of a fridge is around 12 years, and in the decade or so since you last looked at a new one, performance, design, and prices have all changed.
Nowadays, it’s nearly impossible to leave the house without seeing someone check their email, play a quick game of Angry Birds, or look up reviews for a restaurant on their phone. Thanks to the many innovations in mobile technology over the last five years or so, smartphone usage has become ubiquitous.
Having 
Credit card companies are in the business of making money, and they use all the techniques at their disposal to make sure that whatever you borrow from them, you’ll be paying back ten-fold.
Financial planning is considered by many to be a critical operation that facilitates secure 
What’s the first thing you look for when you get to the cash register and dig into your purse or pull out your wallet? Are you still writing personal checks, do you whip out a plastic card, or is it cold hard cash?
Auto insurance scores are finally starting to share some of the limelight with credit scores. Consumers are learning more about what this other credit scoring model is and how it could potentially raise or lower 
You probably know, or can figure out, what a debt-to-income ratio is and that lenders use it to decide if they want to offer you a loan or mortgage.
Americans aren’t just strapped for money. They’re strapped for time. In this down economy, many people are 
Property management is a surprisingly easy and affordable field to enter, requiring minimal education or experience, and almost no 
Don’t be tempted to use one of the endless “fancy” recipes that flood the magazine racks this holiday season! In the past, I confess that I have succumbed to this temptation after drooling over a vivid photo of “7 Layer Luscious Something” in the grocery store line. After several departures from traditional, tried-and-true holiday recipes, I finally said “No more!” I have spent more money, more time, more stress, and had more unwanted, wasted leftovers that have resulted from trying these fancy recipes! 
Sometimes people let family history, childhood memories, and money get in the way of making 
Shoppers that want to get the most out of this year’s holiday season need to know that Black Friday and Cyber Monday are not going to be the only days to find great deals in 2010. Last year, retailers leaked their Black Friday/Cyber Monday deals a few weeks in advance in hopes of generating some buzz. This year, retailers have taken it a step further and begun to offer Black Friday/Cyber Monday-type deals before their traditional calendar dates. In addition, many of these great deals will even last beyond Black Friday and Cyber Monday. So, really, the holiday should be known as Black November and Black December! 
