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Suzanne Kearns
Suzanne lives in Texas and has been a full-time freelance writer for 20 years. She’s written for numerous business and financial publications, both online and in traditional print media. She also owns her own small business and has a passion to help others achieve their dreams of financial independence. Her goal is to eventually work from a remote island that is equipped with Wi-Fi.

Modern Home Office Furniture Design Ideas on a Budget – Desks, Chairs, Storage & Shelving

By Suzanne Kearns

home office kitchenWith an estimated 4.34 million people working from home full time in the U.S., and an additional 11.33 million doing so part time, it’s not surprising that retailers are zeroing in on the home office crowd.

Everyone from office supply stores to home furnishing manufacturers are gearing up to take advantage of this growing homepreneur market. Unfortunately, as demand increases, so do price tags. I was appalled at what I found during a recent Internet search for home office options. When all is said and done, the products these companies are encouraging you to purchase can add up to the cost of a small fuel-efficient car!

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10 Things You Should Always Buy Used Secondhand

By Suzanne Kearns

buy antiques secondhandWhen you tighten your budget, you may realize that you’ve been ignoring secondhand stores and the value of buying certain items used.

Thrift shops, garage sales, pawn shops and dollar stores are great sources of savings, because there are some things that you just never need to buy new, not even in good times.

Consider these ten items, which are much cheaper secondhand, and you don’t even have to sacrifice quality – or pride.

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4 Best Kids Educational Software Programs to Teach Your Kids About Money

By Suzanne Kearns

kids computerSure, your home computer provides plenty of entertainment and gives your kids a chance to play games or interact with their friends. But have you considered how useful computers are when it comes to teaching kids about finance and how to handle their money?

While it was important for us to learn about money basics when we were growing up, our kids will face financial challenges that we never dreamed of. Luckily, some excellent software programs can help you teach your kids the basics of money management in fun, interactive ways.

Check out these four tools for preparing your kids for the future.

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How to Get Food Stamps – SNAP Eligibility & Online Application

By Suzanne Kearns

groceries shopping cartMany people who never imagined that they’d receive food stamps now need to use them to get by. According to the Department of Agriculture, 43.6 million people are receiving food stamp benefits this year. That’s up 14.2% from last year, and it was the 33rd consecutive month with an increase in the number of program participants.

If you’re one of over 14 million people who are still unable to find a job, you’ve likely already tightened your buckle and curbed spending. Even if you’re working, you may have taken a second part-time job just to get by while taking care of kids, disabled family members, or older parents. You’re using your cash reserves and income for basic life necessities. But sometimes that’s simply not enough.

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Top 5 Kids Educational Websites for Learning About Money Management

By Suzanne Kearns

kid piggy bankWith all the talk of our nation’s financial future, it only makes sense for parents to start teaching their kids about money management as early as possible. Unfortunately, times have changed from the days when all that took was a small weekly allowance and a piggy bank.

Your child will need to understand electronic banking, compound interest, and the importance of being debt-free if they’re going to make it financially in tomorrow’s world. So, how do you go about explaining these things in a way they’ll understand? Thanks to the Internet, the perfect teaching tools for your kids are only a mouse click away.

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The Psychology of Money – How Saving and Spending Habits are Programmed in Your Brain

By Suzanne Kearns

psychology of moneyHave you ever wondered why you handle money the way you do? Perhaps you’re a saver and you feel satisfaction every time you look at your growing account balances and displeasure when you need to buy something. Or maybe you’re a compulsive shopaholic, looking at life as something to enjoy, so you buy on impulse and pay little attention to how you’ll survive in the future.

While many people believe that money-handling habits come from parents or caregivers, current research is proving that our habits aren’t just based on conditioning and money management lessons we learned as kids. There are spenders and savers in the same families, kids who grew up in poverty and still develop great wealth, and heirs who blow the family fortune.

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Top 5 Student Financial Aid Scams & Fraud to Watch Out for

By Suzanne Kearns

college student aid scamsIt’s one of the most exciting times in a young adult’s life – the chance to go off to college on their own. Students put a lot of thought into choosing the right school, then begin to look for ways to pay for and afford college. After all, the latest statistics show that it costs on average of $173, 282  for a four-year degree at a private university.

Unfortunately, this exciting time can turn into a nightmare for students, and their parents, if they’re caught up in one of the many college scholarship or student financial aid scams that are happening now. In fact, according to FinAid, consumers lose about $100 million each year to financial aid fraudsters.

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5 Dangers of Overly Fast Small Business Growth Strategies

By Suzanne Kearns

business growth team plantWhen you start your own small businesses, you immediately start thinking about growth. Maybe you just dream of eventually opening a second store, or you might envision becoming a huge conglomerate or one day franchising the business.

Growth isn’t just admirable – it’s expected. But often, small business owners don’t consider that growing a business too quickly can eventually cause the company’s demise. You can easily find yourself lacking working capital, which is one of the biggest contributing factors to the failure of one in six new small businesses.

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5 Home Improvement & Repair Scams to Watch Out For – How to Find the Best Contractors

By Suzanne Kearns

contractors hard hatsIf you’ve ever hired a contractor for a home improvement project, then you know how confusing it can be. Project estimates can vary wildly, and each of the contractors seem so sincere when they tell you that their price and service is the best.

While most are honest, good-intentioned businesspeople, you do need to be wary of home improvement scams. Scams have always existed, but they’re becoming so commonplace as the economy worsens that even primetime television networks, such as Dateline are calling attention to them. What’s worse is that oftentimes these scammers target the most vulnerable – senior citizens – because they generally are more trusting than others.

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The Truth About Applying For New Small Business Credit Cards and What You Can Do About It

By Suzanne Kearns

credit card man handAccording to the Tower Group’s recent report, more than two-thirds of small businesses use their credit cards for various business expenses, but of those only about 40% are putting the charges on business credit cards. The other 60% are putting themselves at risk for personal liability and placing their personal assets in danger.

Business credit cards can be a great asset for your small business, but only when used correctly. When used incorrectly, business credit cards can cause many problems including a lack of business credit, tax and legal consequences, and a failure to achieve the best financial rewards for your business.

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Work From Home Scams List – 5 Fake Illegitimate Jobs & Opportunities to Avoid

By Suzanne Kearns

computer hacker scam

Telecommuting and virtual offices are becoming more popular, but unfortunately, unemployment and underemployment are still very common as well. With the two worlds colliding, people looking for work or extra cash are becoming increasingly vulnerable to work from home scams and get rich quick schemes.

When trends like these emerge, new scams surface to take advantage of people — trying to rob you while you’re just trying to make a living. You might think you’re smart enough to detect obvious scams and ignore them, but schemers have mastered manipulation techniques. They know exactly what to say to victims to get in your pockets. By staying on top of the latest specific scams and signals, you can stay out of trouble.

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The content on Money Crashers 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.
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