5 Creative Ways to Lower Your Monthly Cell Phone Bills

smartphone buttonWhen I first signed up for wireless service, my bill was under $30 a month for plenty of minutes and the short list of features I needed. Nowadays, carriers know that most people require a cell plan for their everyday routine, and they’re able to charge a lot more. Sure, phones are more powerful, but they also come with costs and fees for features I don’t need. My bill is nearly $90 a month, and it’s quickly becoming one of my family’s largest monthly expenses.

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Top 10 Cheap International Travel Destinations in the World

international travel mapI love to travel, but as a college student, jet-setting doesn’t always fit my bank account. Weekend getaways, staycations, and last-minute discounts help me make the most of my travel budget, but what about budget travel to more exotic destinations?

I’ve found that visiting places with favorable exchange rates has worked out well for international destinations – especially when I can also find the best airline ticket deals to get there. Some of the main factors I consider when evaluating a potential destination are: cost of living, visa fees, airfare, activities, culture, and safety. Using this strategy, I’ve been able to travel to five South American countries in the past two years on a relatively tight budget.

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New vs. Used Car – 6 Benefits of Buying a Slightly Used Car for Cheap

used car dealershipOther than your home, your car might be the most expensive purchase that you ever make. I love nice cars, but I also try to manage my finances responsibly. As a result, I have reluctantly come to the conclusion that a new car is an unnecessary expense.

Sure, you can find overpriced used cars and bargain buys on brand-new vehicles, but it’s not just the sticker price that makes a new car a waste. The associated fees, subsequent costs, and losses in value (i.e. depreciation) add up to thousands of dollars over the first few years of new car ownership. This is especially bad news if you end up upside down on your car loan.

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What Is a Fixed Annuity – Definition, Pros and Cons

money lockedHave you been looking for a way to invest your money with relatively low risk, but with a higher return than the interest rates of CDs offered by banks and credit unions?

Look no further than fixed annuities. For decades, fixed annuities have provided a secure form of savings for millions of conservative investors on a tax-deferred basis. They are by far the simplest type of annuity contract and offer all of the benefits provided by any type of annuity except for the opportunity for market participation.

Let’s look at the details of a fixed annuity and how to decide if it’s the right investment for you.

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What Is Inflation Definition – Causes of Inflation Rate and How to Fight the Effects

inflation toilet paperIn 1980 in the United States – just over 30 years ago – a new home in this country cost an average of $76,000, and the median income was $17,710 per year. Compare that to 2011, when even after the recent recession, the median home price stood at $139,000, and median household income was $50,233 per year according to the US Census Bureau.

Why the vast difference in prices? One word: Inflation. Like aging or weight gain, the effects of inflation are both gradual and profound. Inflation creeps up on us over time, and as we continue our normal spending and consumption habits, the almost imperceptible increase of consumer prices doesn’t seem to make a huge difference in our day to day finances – which means it is all too often vastly underestimated.

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10 Ways to Save Money Buying Fresh Produce – Fruits & Vegetables

You know you’re supposed to strive for five servings of fruits and vegetables every day, but healthy choices aren’t always cheap. If you cut corners to save money, you’ll end up with less nutritious foods.

Don’t waste your money on watered-down, sugary alternatives to healthy foods, and don’t get stuck with a kitchen stocked with expired produce either.

Follow these steps to stretch your food budget and keep a nutritious diet without spending too much on fresh food.

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What Is an MBA Program and Why Get an MBA Degree in Business School?

business school groupAn MBA (Masters in Business Administration) is the most sought-after graduate degree in the United States. The degree is versatile and used all over the world, and can offer a major boost to anyone’s career.

Despite its mainstream popularity, many still aren’t sure what is involved in obtaining an MBA. Some common questions include: What is required to gain admission? What kind of curriculum do these programs offer? What are some of the pros and cons of getting this degree? Are there different types of an MBAs available? Who would this degree suit best?

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Travel to Berlin, Germany on a Budget – Tourism Attractions and Things to Do

brandenburg gateBerlin is a great European city with plenty of free and inexpensive activities. While luxury vacationers can certainly find plenty of ways to spend all of their euros, you can discover the culture of Berlin without emptying your pockets. Berlin, Germany is an outstanding destination for single travelers and families alike.

The diversity of Berlin is staggering. Culture, art, and music are all over the city. If you’re a nature lover, you’re sure to love Berlin. The Grunewald offers miles of biking and walking trails. Castles and gardens are also plentiful throughout the area.

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Yodlee MoneyCenter Review – Online Banking & Budgeting Software

yodlee logoMost Americans don’t use the same banking institution for all of their financial accounts.

For that reason, it’s not always easy to keep tabs on all of your loans, credit cards, retirement accounts, pension plans, brokerage accounts, and other financial tools that may be housed in many different places.

If you find that you need help managing your accounts, Yodlee MoneyCenter might have the solution.

What is Yodlee MoneyCenter?

Simply put, Yodlee is an online money management software that can help you keep track of your finances and all of your accounts – no matter where they are.  It’s completely free to use, and offers multiple tools to help you manage your accounts, view transactions, make payments all from a central location, and adjust and optimize your budget.

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