About · Press · Contact · Write For Us · Top Personal Finance Blogs
Featured In:
Kira Botkin
Kira is a longtime blogger and serial entrepreneur who enjoys gardening, garage sales, and finding stray animals. She lives in Columbus, Ohio, where football is a distinct season, and by day runs a research study for people with multiple sclerosis. She hopes that the MoneyCrashers team can help you achieve your goals and live a great life.

How To Be A Good Friend While Broke

By Kira Botkin

Woman with empty wallet

If you’ve had a major financial change lately, it can be hard to transition to a more frugal lifestyle, especially if going out with friends frequently includes dropping $50 or more. Believe me, I’ve been there. I used to take six people out at a time and pay the whole dinner bill without batting an eye. But when my income suddenly dropped, I didn’t know how to adjust – and how to tell people that I couldn’t pick up rounds of drinks anymore.

Acknowledge it openly.

Click to continue reading...

Baby Shower Presents New Parents Will Actually Use

By Kira Botkin

Two pairs of baby booties

I love shopping for babies. Everything’s so cute and tiny and adorable. But most of the things that I’m drawn to aren’t going to be very useful to the new parents. I got the skinny from two experts (with babies) who say that the following items are the most appreciated – all quotes are from the mouths of moms!

Onesies
“Onesies are wonderful because they reduce the need for daily laundry. Yep, daily.” For the price of a super-cute sailor outfit or a customized shirt that says “Future Doctor,” you can get several basic onesies at Target or Wal-Mart.

Click to continue reading...

One dime at a time: How I earned money as a kid

By Kira Botkin

Child's lemonade stand sign

As a child I had quite the entrepreneurial spirit. I set up many lemonade stands, a time-honored classic, but when one’s mind is firmly set on a $19 stuffed Troll doll (seriously, it was the rage!), one’s mind can come up with a multitude of other earning possibilities. I didn’t have an allowance as a child and neither did anyone else I knew until I was much older – so if I wanted it, either I had to wait for my birthday to roll around (which was in December, so it always seemed to takeits time) or make the money myself. Usually I chose the latter, and it got me into a habit of looking out for money making opportunities that are still available to me today.

Click to continue reading...

How To Opt Out And Get Less Junk Mail

By Kira Botkin

Pile of junk mail

I personally really like getting things in the mail. What I don’t like is getting random offers for credit cards, mortgage refinancing, and other junk. Not only are these wasteful and annoying, they’re a big source of identity theft problems. Help save your sanity, your identity, your postman’s back, and the planet by opting out of junk mail with these websites:

1. The most important – www.optoutprescreen.com

Click to continue reading...

Groupon Review – The Best Daily Deals In Your City

By Kira Botkin

If you’re a deal hunter, you’ll love Groupon. Each day, Groupon, which is a free service, offers a different deal on something fun to do, good food, a new experience, or something you’ve always wanted to try. It’s basically a gift certificate at a discount. Groupon has coupons available in dozens of metropolitan areas including multiple ares in some larger cities like Los Angeles or Washington, DC. It is also available in several Canadian cities and many countries outside the United States as it continues to expand and gain a huge following.

Click to continue reading...

The Difference Between an ESA and a 529 College Savings Plan

By Kira Botkin

If you’ve just had a child, then it’s never too early to start thinking about their future. Sending a child to college is a huge expense, and many parents are unable to fund their children’s college expenses. By the way, it doesn’t make you a bad parent if you don’t pick up the tab for your child’s college expenses. However, if you plan early, you can help change your family tree by helping your child stay out of debt early in their life. The two most popular college savings accounts are the Coverdell Educational Savings Account (ESA) and the 529 college savings plan. Both of these savings plans act much like an Health Savings Account or retirement account, because they are invested in investments such as mutual funds and withdrawals must be used for a specific purpose or at a specific time in one’s life. I’ll give you the pros and the cons for each savings plan, and you can decide which plan will work best for you.

Click to continue reading...

The content on MoneyCrashers.com is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. Among other things, we may receive free products, services, and/or monetary compensation in exchange for featured placement of sponsored products or services. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors.

Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. MoneyCrashers.com does not include all credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, U.S. Bank, and Barclaycard, among others.