What to Do If Your Homeowners Insurance Claim Is Denied

damaged house treeImagine that you spent several hundred dollars or more on homeowners insurance coverage, just so that you could have a little peace of mind if something went wrong. Now imagine that your insurance company denied your claim after your home was damaged or ruined beyond repair.

Denied claims make your life much more complicated, especially when you don’t have the cash to pay for the repairs on your own. But don’t start thinking of ways you can live with those burst pipes or that tree through your roof just yet. Take a deep breath and read on. There may still be hope.

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6 Tips to Save Money Buying Meat – Beef, Pork, Turkey & Deli Cold Cuts

raw meatsWhen you’re trimming your budget, you start looking at your grocery store receipts with a lot more scrutiny. And if your family is big on meat and poultry for lunch and dinner, expensive choices add up quickly.

Don’t assume that your food budget is at the mercy of your butcher’s business decisions. With these six quick tips for the deli counter and your kitchen, you’ll be able to spend less, get more, and make it last longer.

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How to Get Food Stamps – SNAP Eligibility & Online Application

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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How to Naturally Wash Your Car and Clean the Interior & Upholstery

car wash waterNow that winter is (hopefully) almost over, chances are that your car is looking a bit worse for wear. If yours is anything like mine, there are salt stains on the hood and doors, the windows are grimy, the inside is crusty with salt and sand from winter boots, and there might be quite a bit of trash and clutter scattered around.

I haven’t cleaned my car all winter because it’s simply been too cold here in the Midwest. But now? The sun is out, and the air is just warm enough to haul out the vacuum without risking hypothermia.

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Top 5 Kids Educational Websites for Learning About Money Management

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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VantageScore vs FICO Credit Score – Differences and How They Affect You

credit report climbThe term “VantageScore” has been floating around the financial sphere for some time now, but many consumers are still clueless about what it does and what it means for their credit. And with a new system for reviewing consumer credit worthiness, the VantageScore could very well completely change the way creditors look at your credit.

For years, creditors focused on the FICO score, a three-digit grade of your credit report, when deciding whether to give you that new credit card, extend a loan, or lower your rates. But a few years ago, the three credit bureaus – Equifax, TransUnion, and Experian – collaborated on a new type of credit scoring system, known as the VantageScore.

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10 Free Public Library Services & Resources (Besides Just Books) You Should Take Advantage of

public library services resourcesPublic libraries have more than just shelves of free books for loan. In fact, most offer different types of media, free community programs, and other valuable resources.

With my credit cards and debit cards taking up so much space in my wallet, it’s nice to know that my library card actually saves me money. My public library has served as a money-saving substitute for Starbucks, Blockbuster, and Showcase Cinema, just to name a few.

Here are ten library freebies you should take advantage of.

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6 Easy Chicken Dinner Recipe Ideas on a Budget

chicken dinner drumsticks plateFew things say comfort food, and satisfy the whole family, like chicken.

The trouble is, poultry prices fluctuate so much that you’ll quickly be uncomfortable with the effect chicken has on your budget.

With these six tips for the budget-conscious home cook, you and your family can get better value out of chicken meals.

How to Save Money on Chicken

1. Rethink Boneless
Sure, boneless chicken is easier to work with, but you pay a serious premium for that convenience. You’ll always save money with bone-in poultry, even if you lose a little time.

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What is a Tax Credit vs Tax Deduction – Do You Know the Difference?

tax credits pencilIt’s a good thing most of us only have to file taxes once a year. With all of the confusing terms, complex language, and mind-numbing math, it’s as if the people who write the tax code just wanted to bore us and trick us into a mistake or two.

Even the helpful parts – like when you’d get money back – are tough to deal with. You can easily mix up two key terms: tax deductions and tax credits. Both serve the same purpose, which is to reduce your tax burden based on certain categories of income or expenses, but they work in different ways.

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10 Ways to Save Up For and Fund Your Next Summer Vacation

summer vacation beach flip flopsIt’s been a long, cold winter. As we get closer to spring, you might be starting to think about sandy beaches, the warm sun on your face, and wearing flip flops.

If you want to take a trip this summer, but have yet to start planning, you’d better start now. Summer vacations can easily cost thousands of dollars, breaking your budget if you aren’t prepared.

Are you nervous that you might not be able to go on an amazing trip this summer due to the cost? Here are 10 tips on how to save up for your summer vacation by starting now.

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